Credit card -- Problem with a purchase shown on your statement -- Complaint #9700496
Complaint Overview
Complaint ID: 9700496
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Texas
ZIP Code: 77377
Date Received: 2024-08-03T12:00:00-05:00
Date Sent to Company: 2024-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I notified Sams Club World elite Mastercard, issued by Synchrony bank, regarding a series of unrecognized XXXX XXXX charges on my credit card. The unrecognized charges occurred over multiple months and appeared to increase in debit amounts over time. Synchrony bank stated they would initiate an investigation and then reissued a new card. I was temporarily credited the disputed amount. Later I received a written letter stating that I would not be held responsible for the amount of the fraudulent charges which totaled almost {$1000.00}. After I received this letter, the new credit card statement depicted a generic transfer debit from the old account to the new one, for almost the same amount that was originally disputed. In addition there were multiple generically labeled transfers of duplicate fees that resembled the original fraudulent charges. When I called Synchrony Bank, their dispute department did not provide a satisfactory answer. The debit transfer amount from the old account to the new account appeared excessively high, considering I did not even have a new card to use during the transition period when a new card was being issued. The matter is still unclear and unresolved. The phone rep also said she did not understand fully where the charge on my new account originated.
Frequently Asked Questions
What is Complaint #9700496 about?
Complaint #9700496 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 2024-08-03T12:00:00-05:00.
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.