Consumer complaint received 2023-02-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Synchrony Bank the owner of my Sam credit cards added {$1000.00} to Sam Credit Card illegally without my knowledge or permission. Synchrony Bank and Sam Credit Card forward a letter with false information to the 3 Major Credit Reporting Agencies. Synchrony Bank reported that I exceeded my credit limit by {$1000.00} which totally false therefore violates the Fair Credit Reporting Act. I set up a monthly payment schedule with Sam card for the 7th of the month. I notice prior to my payment due XXXX XXXX, XXXX in late XX/XX/XXXX that my regular XXXX payment was changed to XXXX called Synchrony and spoke to a representative prior to the due I was assured that the amount would change. I have no reason to believe what told however on XXXX I that Synchrony withdraw XXXX for my checking account at XXXX XXXX XXXX XXXX without my permission, the balance at this was XXXX therefore an overdraft was created. I got in touch with XXXX XXXX requested that funds be return to my account immediately. The representative informed me that he would be 30 days before my funds could be returned. I filed a dispute with XXXX XXXX XXXX XXXX Fraud Division XX/XX/XXXX I provided Synchrony Bank a copy of that Dispute as Attachment XXXX of my Dispute filed. I received a check for XXXX from Synchrony Bank on XX/XX/XXXX. I deposited check at XXXX XXXX XXXX XXXX Mon. XX/XX/XXXX. I told the teller at that time this would settle my dispute. I paid my bills and overdrafts fees. A week later I not only noticed that my balance on my XXXX increased my {$1000.00}, my monthly increased from XXXX to XXXX a month without any explanation I filed a Dispute early XXXX concerning this matter. I finally received a letter from XXXX XXXX Corporate Specialist, Consumer Relations, Synchrony Bank dated XX/XX/XXXX. I will in the following paragraphs share some of the quotes from that letter I find very important not explained. " The Customer service representative requested that the payment of XXXX be returned to you in the form of a check. However, the payment in the amount of {$920.00} was reversed and applied back your account. '' My question here is why was it reversed? The money that was given to me was MY FUNDS to replace the funds taken from my account. The answer to that question shed light on this issue however was left unanswered REALLY!!! THE CHECK IS THE ONLY FUNDS I XXXX XXXX RECEIVED FROM SYNCHRONY BANK. HOW CAN YOU REVERSED FUNDS THAT DON'T BELONG TO YOU IN NORTH CAROLINA WE CALLED THAT STEALING. 
There is another quote in this letter I found to offensive " Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account. 
history information to the major credit bureaus. How could this be true if you reversed the money provided from the check my account would be XXXX. If that is not the case you stole the funds why wasn't the funds used to pay my account. I find this not only a violation of my Civil Rights and Racial Basis based on my Age XXXX and my Race Black.

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