Product: Credit card

Basis- I have completed XXXX purchases with XXXX XXXXXXXX XXXX of XX/XX/XXXX and XXXX on XX/XX/XXXX. There was an error in the terms and conditions of the purchase on XX/XX/XXXX resulting in payments to the account to be applied to the purchase on XX/XX/XXXX instead of XX/XX/XXXX. The error was resulted in occurred interest being applied to the account, due to the promotion expiring first. and payments not being applied correctly. 

I am concerned of an error on my XXXX XXXXSynchrony account XXXX XX/XX/XXXX, I XXXX XXXX completed a purchase at XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a. The total purchase amount was {$6600.00} regarding invoice XXXX. In the comments section of the invoice, it is noted that ***CUST FINANCING {$4000.00} ONLY AND NEEDS TO PAY {$2400.00} BEFORE DEILIVERY. XXXX XXXX card ending in XXXX was charged {$6600.00}. On XX/XX/XXXX, XXXX XXXX 's XXXX card ending in XXXX was refunded {$6500.00}. On XX/XX/XXXX XXXX XXXX 's Synchrony account XXXX XXXX XXXX XXXX was charged {$6500.00}. On XX/XX/XXXX, I contacted XXXX 's with issues in regards to a billing error of my furniture in regards to the authorization of my synchrony card on XX/XX/XXXX ; I asked why a different amount was refunded compared to what was charged and why it is set up as an equal payment No interest. I was assured that was an error on Synchrony Banks end and that it would be fixed to where it is 0 % deferred interest/no interest if paid in full and that the 20 % that was missing in the refund was applied to a down payment of the XXXX XXXX XXXX XXXX on invoice XXXX. Throughout XXXX and XXXX I contacted XXXXXXXX XXXX XXXX XXXX Synchrony in regard to the error on my statements and was assured it was fixed. XX/XX/XXXX, the promotion would expire for the purchase on XX/XX/XXXX due to an error in the billing for the purchase on XX/XX/XXXX, and interest was charged to XXXX account. There was interest charged because monthly payments to the account were being applied to invoice XXXX instead of the previous XXXX XXXX purchase on XX/XX/XXXX. 
Synchrony would tell me to contact XXXX XXXX XXXX regarding this and they would be able to fix the error for the payments to be applied correctly. Numerous attempts to XXXXXXXX XXXX XXXX throughout XX/XX/XXXX through XX/XX/XXXX would be attempted and in still no resolution by XX/XX/XXXX. I am dissatisfied with the purchases on XX/XX/XXXX and XX/XX/XXXX, due to attempting to solve this matter for over 25 months with XXXX XXXX XXXX and Synchrony bank and no escalation of the matter with the consumer. I have been mislead into understanding that this purchase is deferred interest/no interest if paid in full. 

To resolve the matter, I, the following to be completed so no further escalation of this matter is necessary. Payments applied to Synchrony account XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX to be applied to the transaction on XX/XX/XXXX till the promotional balance is paid in full for the transaction on XX/XX/XXXX ; the remaining balance shall be applied to the transaction posted on XX/XX/XXXX. A full review of purchases on synchrony account XXXX XXXX XXXX and purchase dates. Removal of all interest accumulated from the promotional balance purchase on XX/XX/XXXX be removed and accredited to Synchrony account XXXX XXXX XXXX XXXX. 



Summary Disputing Charge on XX/XX/XXXX for errors in promotional pricing compared to the invoice. Promotional financing of equal payments. No terms of equal payment was agreed upon. Promotional pricing of deferred payment was agreed upon. Documentation of this has been requested from XXXXXXXX XXXX XXXXXXXX. 


The dispute was disregarded and lack of documentation was provided so on XX/XX/XXXX I appealed the dispute with the following letter to Synchrony bank Based on the documentation provided by the merchant I would like this case to be reviewed further, due to multiple reasons. 
The documentation that was provided for the equal payment financing of the invoice is not an authorized signature by me or anyone on my behalf. I originally signed documentation in regard to this purchase on XX/XX/XXXX ; this documentation had major indifferences compared to what the merchant provided in the dispute. The documentation provided by the merchant was dated for XX/XX/XXXX, the purchase agreement occurred on XX/XX/XXXX, and the purchase was delivered on XX/XX/XXXX. Hudsons policy does not allow furniture to be delivered prior to financing or payment of furniture being completed. 
Documentation was changed from original documentation on XX/XX/XXXX on behalf of XXXX XXXX without my approval or consent. 
The documentation provided by XXXXXXXX XXXX XXXXXXXX that is dated for XX/XX/XXXX displays AUTH ONLY Draft : Merchant Copy. Authorization to draft the account ending in XXXX for the purchase of this furniture would have been completed at purchase and prior to delivery. This authorization to draft is dated to XXXX days later. 
The transaction on my Synchrony Account is recorded on XX/XX/XXXX. This is XXXX days after the purchase of the mattress and XXXX days after delivery. 
In regards to this dispute ; I am requesting that all paid interest that has occurred be credited to the account and that the account remain interest-free until the promotion balance is paid in full. I am also requesting a further explanation of the numerous changes of dates and signatures without my approval which is against XXXX policy. I am requesting that original documentation from the purchase on XXXX XXXX, d XXXX be provided.