Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Syncrony Bank Dispute acct ending - XXXX To whom this may concern, I have been trying to dispute this charged amount by XXXX XXXX XXXXXXXX XXXX. Since they put the charge through approximately XXXX XXXX XXXX XXXX 
I signed and I will submit the original papers I signed for {$5300.00}, at the time two employees went over all paperwork with me. I gave them {$4700.00} in cash down as they would want not take more cash than that. 
We concluded the transaction and because of the size of the box of the machine my father had to pick this up. Which he did. At the time he picked up the machine the workers made comments to him about why I had so much cash, to which he made a joke then explained I had worked 14-16 hours a day, 7 days a week to build a business and he was proud of me for saving so much. 
That night XXXX mins before they were closing they left me a voicemail message saying they were ripping up my contract and I needed to resign for more Money approximately {$4900.00} More. This was after delivery, after the contract was signed. 
I contacted a lawyer who contacted them and they refused to speak to him. I signed a contract for {$5300.00}, they had XXXX employees go over the whole contract and entire financing of 60 months equal payments, no interest. After business hours they emailed me a second unsigned contract, for their new adjusted amount I have the original contract which I will send you can see my own unique signature, plus it is in a light blue, my contract is signed ( dated and timed at the top left of the paperwork ). XXXX XXXX XXXX XXXX, did not submit the contract I signed. I find it hard to believe they would say there was a mistake given two women went over the entire contract. This was unlawfully changed and sent to Synchrony Bank. Synchrony Bank has refused to do anything and they have sided with the merchant, it is important to also note, that part of the machine a {$990.00} stand for this embroidery machine has never been sent to me but it was part of my purchase. I have made the required payments regardless of this fraudulent and questionable business practices by XXXX XXXX XXXX Co and Synchrony Bank as well. No other store could you walk in make a large purchase like diamond earrings and then after you leave with the earrings they decide to charge you double, or as in this case take away a sale still going on for XXXX XXXX which was on their website until the next day it was removed. They have perpetrated fraud against me and the bank has not stopped the retail stores fraudulent business practices. 
If someone else signed my name in any other paperwork that is more than {$5300.00} that is fraud, which I will pursue as well. I have kept each and every document from the sale and additional correspondence and I have yet to see a satisfactory conclusion to this matter. 
A company can not sign a contract, let the customer take delivery of a product and then decide to raise the price of the contract. 
At this point I am also filing a complaint today with the Missouri Attorney General, in this case with XXXX XXXX XXXX company. 

This company has acted in bad faith, against the rule of law, and they are in violation of contract law, as well as if anyone signed my name to any other document they committed fraud within this contract. 
I respectfully submit all documentation for your review and ask you to correct my original bill to {$5300.00} minus all payments made. 
I have unsuccessfully tried to work with Synchrony Bank, they wont tell me why they believe this is a valid transaction. They just deny the dispute, I need help with someone following the rule of law, I appreciate your help and attention to this matter, as I would like to remain a loyal and good client of Synchrony Bank, however this needs proper investigation. I will await your investigation, I can be reached at XXXX, in addition as a backup person of contact if I am working and do not hear my phone you can contact my mother XXXX XXXX at XXXX, I authorize her to speak to any official authority on this matter on my behalf as well. 

Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

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