Consumer complaint received 2022-12-30
Company: SYNCHRONY FINANCIAL
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE : Account Number : XXXX XXXX XXXX XXXX Current Credit Card Balance : {$3600.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed XXXX XXXX XXXX XXXX  and XXXX/XXXX {$3600.00} In accordance with 12 CFR 1026.13 ( 6 ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. 

I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to XXXX XXXX ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement. 

According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder. 

Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ).

Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 12 CF

R 226.12 ( b ). According to 12 CFR 226.12 ( b ), T
he term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ).

According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor. 

To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full. 
XXXX. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress. 

I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this alleged debt as being in dispute and under discussion between us. 

If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission XXXX FTC ). I will also seek legal counsel for a remedy to these consumer violations. 

Thank you for your cooperation. 

Sincerely, 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