Consumer complaint received 2023-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid 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

Complaint:
I am currently in a never ending dispute with Synchrony Financial Bank for a charge on my home design account for the amount of {$10000.00}. The charge was made by XXXX XXXX XXXX 's on XX/XX/XXXX thru a transact portal without my consent. XXXX came to my home and spoke with my husband about building an outdoor kitchen on XX/XX/XXXX of 2022 and my husband signed the agreement on XX/XX/XXXX with out checking the payment terms. I was not at this meeting due to working out of XXXX in GA because of the Pandemic. My name is not on the contract and I signed up for the design account on line with the salesman referral, but didn't authorize a charge or give the salesman my account information. Still seeking finance options other than synchrony and they required us to pay a XXXX deposit to start the project I was surprised to see a charge for {$10000.00} on my account and immediately reached out to the Bank and the XXXX. You see the design of the kitchen had not been done or agreed upon, the HOA document had not been received and we were having a hard time getting someone to respond to request for the documents. After a month of inactivity and no paperwork we decided to Cancel the project not knowing my account had already been charged for the XXXX installment not inline with what was forged on the XXXX the company sent to Synchrony as poof that I authorized the charge ( payment terms ). The document shows Checks on the payment terms in blue ink and the original was signed with black ink by my husband with no payment terms checked. XXXX also gave the bank a scope of work that was never provided to us as proof they gave HOA docs but it was not signed because we didn't receive in order to agree. The HOA docs required to start the project ask for a rendering of the back yard, a drawing of the structure showing easements, a picture of the kitchen with dimensions etc. none of this was given. The charge on my account was not only not authorized, the merchant claims my husband who is not on my account can charge to it. Synchrony has used these documents to deny my claims numerous times even though I didn't sign anything with XXXX to buy anything and they never performed any work. I am being required to pay literally for nothing, I have given proof that no kitchen was built, have even shown pictures of my back yard with no kitchen. The sales agreement was signed on a Saturday while I was at wk with limited reception on the XXXX XXXX site. The merchant is trying to charge me that XXXX as a cancelation fee because the contract my husband signed has the terms of XXXX @ material, XXXX @ XXXX, XXXX @ completion with a {$8600.00} first payment not XXXX. The XXXX slip is not inline with the agreement and was produced fraudulently to justify the merchants charge. The transaction shows XX/XX/XXXX on the slip but I didnt see the XXXX until XXXX after the project was cancelled. Synchrony keeps using Document I did not sign and that do not have my name on them as justification for the Charges, they are using a XXXX transact that I didn't use or authorize and doesn't even have my email address on it, I was told by a customer service rep that the merchant used my SS to get the account information, that is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief