Consumer complaint received 2023-03-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I am submitting a new complaint against Synchrony Bank with regard to the overbilling by XXXX XXXX XXXX and the difficulties I have experienced again with the dispute process through Synchrony Bank ; in fact, the upload feature on the Synchrony Bank portal does not allow to upload the exact dispute form provided by the same Synchrony Bank and also the fax number provided by Synchrony Bank to fax over the dispute form does not answer despite several attempts during business hours ( see attached documentation ). 

I previously submitted a complaint through CFPB against Synchrony Bank with regard to two previous disputes due to overbilling by XXXX XXXX XXXX for order # XXXX ( sale date XX/XX/XXXX ) and for order # XXXX ( sale date XX/XX/XXXX ). Having submitted a dispute via CFPB to Synchrony Bank for the overpayment of {$440.00} ( order # XXXX ) and for the overpayment of {$810.00} ( order # XXXX ), I eventually received a refund check for these overpayments. 

Although I requested a refund of all overpaid amounts in these two orders, as of today XXXX XXXX XXXX has not fulfilled my request, and only sent a refund check of the disputed amounts through Synchrony Bank. 

You can find below a breakdown listing all the overpaid amounts under both orders : For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$810.00} as a result of my dispute with Synchrony Bank. 
The XXXX XXXX Total on Customer Order Statement was of {$4300.00}. 
My credit card received a credit of {$270.00} ( - {$270.00} ) on XX/XX/XXXX and a credit of {$190.00} ( - {$190.00} ) on XXXX. 
However, my credit card was charged {$3900.00} on XX/XX/XXXX and {$810.00} on XXXX ; the amount of {$810.00} was refunded through the dispute. I also used {$40.00} in Promotion Certificate as part of this payment. 
Here 's the entire calculation : - Paid : {$3900.00} + {$40.00} = {$4000.00} ; - Credits : {$270.00} + {$190.00} = {$460.00} ; - XXXX XXXXXXXX Total : {$4300.00} ; - Overpaid amount : ( {$4000.00} + {$460.00} ) minus {$4300.00} = {$4400.00} minus {$4300.00} = {$120.00}. 

For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$440.00} as a result of my dispute with Synchrony Bank. 
The XXXX XXXX Total on Customer Order Statement was of {$2000.00}. 
My credit card received a credit of {$210.00} ( - {$210.00} ) on XX/XX/XXXX and a credit of {$320.00} ( - {$320.00} ) on XX/XX/XXXX. 
However, my credit card was charged {$1300.00} on XX/XX/XXXX, {$670.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX ; the amount of {$440.00} was refunded through the dispute. I also used {$80.00} in Promotion Certificate as part of this payment. 
Here 's the entire calculation : - Paid : {$1300.00} + {$670.00} + {$80.00} = {$2100.00} ; - Credits : {$210.00} + {$320.00} = {$540.00} ; - XXXX XXXXXXXX Total : {$2000.00} ; - Overpaid amount : ( {$2100.00} + {$540.00} ) minus {$2000.00} = {$2600.00} minus {$2000.00} = {$630.00}.

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 explanation