Consumer complaint received 2023-08-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit 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

Complaint:
Synchrony Bank XXXX XXXX Subject : Disputing Synchrony Bank Credit Report Name : XXXX XXXX Phone # : XXXX Account # XXXX Dispute Details : During Covid XXXX of XXXX I made purchases with XXXX XXXX using their online store. We were assured that any changes required to the online purchases made, could be easily returned to any XXXX XXXX XXXX that was near our location. 
I made three purchases in XXXX and one in XXXX of XXXX. Because of the issues with purchase wrong XXXX, size, design etc, all the purchased items had to be returned, and I returned the items to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ XXXX ). Since all items purchased were returned it was expected that I would have a XXXX balance. 
In XX/XX/XXXX I got notification from Synchrony Bank that I had {$480.00} balance on my account which I must pay. 
I talked to the customer support on multiple occasions for resolution and cancellation of the charges, example calls were made on : XX/XX/XXXX from XXXX to XXXX, XXXX from XXXXXXXX XXXX ( I was put on hold for XXXX min ) and call was disconnected agin called from XXXX - XXXX XXXX [ Note all times are in US EST ) XXXX XX/XX/XXXX I called twice to resolve my charges ; XX/XX/XXXX I was explaining my case but my call was disconnected. The customer support staff often was confused regarding these purchases as every time I talked to them I got different response ; at one point of time I was informed that the refunds can only be processed by their billing department and I should contact them or go to XXXXXXXX XXXX for resolution as XXXX XXXX had moved over to XXXXXXXX XXXX ( XX/XX/XXXX ) they have nothing to do with my account. Point to be noted is that I do not have any account with XXXXXXXX XXXX XXXX as the only account I had with XXXX XXXX was maintained and finally closed by Synchrony Bank. It is also important to note that my original pending amount was never disclosed to except when I was forced to make the full and final payment.. 

After spending so much time and effort I finally gave up as it was clear that Synchrony Bank was not going to resolve my issue. The result of all of this is interaction with Synchrony bank is- a> The original pending amount of {$190.00} was inflated to {$650.00} by adding interests and late fee. 
b> The constant harassment thru emails and inflation of my charges thru interests and late fee, which I was forced to pay. 
c> Most of all Synchrony bank was successful in destroying my credit score from near perfect to a lower value. 

In my entire tenure spanning more than 28 years a person who has always paid his credit charges in full, never missed a payment, it feels that the actions taken try Synchrony bank are not only unethical but XXXX and XXXX  in their tendencies. 

As an individual that does not hold any say in this matter - I request that my issue should be looked into sincerely, look at my credit history of past 28 years and then decide actions of Synchrony Bank are justified or not.

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