Credit card -- Problem with a purchase shown on your statement -- Complaint #8196985
Complaint Overview
Complaint ID: 8196985
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: Pennsylvania
ZIP Code: 19143
Date Received: 2024-01-21T12:00:00-05:00
Date Sent to Company: 2024-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I used an XXXX store card through synchrony bank to purchase XXXX things between XXXX of XXXX and XXXX of XXXX totaling XXXX, XXXX and XXXX. The balance was paid off on XX/XX/XXXX after the first XXXX purchases and as of XX/XX/XXXXXXXX XXXX XXXX the balance was paid off again. The account wasn't used by our family again. We started using a budgeting app and immediately found out that the card was still taking monthly payments from my personal bank account. I started an investigation with the Synchrony fraud department XXXX separate times only to have them reopen the account and issue another card each time. the third time I requested all the statements for the life of the account, and I received it XX/XX/XXXX. after going through the statements i realized it was in fact an account that i opened but since XXXX of XXXX someone has been making purchases using my card that I was unaware of. the current balance of the card has exceeded the line of credit, and the Synchrony bank XXXX department will not take action. their excuse is the account is more than XXXX XXXX XXXX, the statements were never returned, and the automatic payments were always on time. I have put an XXXX hold on synchrony bank to stop withdrawing payments and synchrony has not done anything to stop this from happening.
Frequently Asked Questions
What is Complaint #8196985 about?
Complaint #8196985 was filed against Synchrony Financial regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-01-21T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.