Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO : AMAZON AND SYNCHRONY BANK, AMAZON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : SYNCHRONY BANK AMAZON CREDIT CARD INACCURATE CREDIT REPORTING, AND NOTICE OF DISPUTE OF FRAUDULENT SYNCHRONY BANK CREDIT CARD BILLING DATES AND PRICES, DISPUTE OF THE ATTACHED UNAUTHORIZED AND UNWARRANTED XXXX XXXX XXXX  {$8.00} PAYMENT, DEMAND FOR REFUND, AND DISPUTE OF EACH CREDIT INACCURATE REPORTING NOTED IN THE EXHIBITS AND DEMAND FOR VALIDATION AND IN WRITING REASONS FOR THE REPEATED SYNCHRONY BANK CREDIT REPORTING INACCURACIES NOTED BELOW. 

DEAR AMAZON AND SYNCHRONY BANK DIRECTORS : I WRITE THIS LETTER WITH RESPECT TO THE BELOW EXHIBITS EXEMPLIFYING REPEATED INACCURATE CREDIT REPORTING THAT IS UNWARRANTED, HARASSING AND HAS CAUSED ME PROBLEMS. 

PLEASE SEE EXHIBIT 1. THIS EXHIBIT IS FROM AMAZONXXXX. THIS EXHIBIT SHOWS 2 ORDERS. 

1. XXXX XXXX XXXX FRAUDULENT BILLING FOR XXXX PREMIUM PLUS FOR {$14.00}. I SERVICE I NEVER ORDERED OR USED. 
2. XX/XX/, BILLING FOR A BOOK TITLEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

HOWEVER, IN EXHIBIT 2, BOTH OF THESE ITEMS ARE INACCURATELY PRICED AND REPORTED ON THE AMAZON SYNCHRONY BANK CREDIT CARD STATEMENT. THE CREDIT CARD DATE AND PRICE INACCURACIES ARE : XXXX. THE XXXX PREMIUM IS BILLED AND CREDITED ON XXXX XXXX XXXX  AS AMAZON XXXX FOR {$17.00}. THE DATE AND PRICE ARE INACCURATE AND INCONSISTENT WITH THE AMAZONXXXX RECORDS. THIS INDICATES FRAUD. COMPARE EXHIBITS 1 AND 2.

2. THE BOOK TITLED, XXXX XXXX XXXX XXXX XXXX IS BILLED AND CREDITED ON XXXX XXXX XXXX FOR {$21.00}. THE DATE AND PRICE ARE INACCURATE AND INCONSISTENT WITH THE AMAZONXXXX RECORDS. THIS INDICATES FRAUD. COMPARE EXHIBITS 1 AND 2. SYNCHRONY CREDIT STATEMENT RECORDS ARE FRAUDULENT AND INCONSISTENT WITH AMAZON RECORDS. THERE IS A PROBLEM. 

ALL OF THE ABOVE IS INDICATIVE OF FRAUD. PLEASE STOP IT AND MAKE SURE SYNCHRONY BANK, REPORTS THE ITEMS I BUY FROM AMAZON ACCURATELY. THIS MEANS THAT SYNCHRONY BANK MUST REPORT THE AMAZON ITEMS CREDITED, IN ACCORDANCE WITH THE DATE AND SAME PRICE FROM MY AMAZON ACCOUNT. 

PLEASE NOTE CLEARLY, IN EXHIBIT 2, IT SHOWS A NEVER ORDERED XXXX FOR {$17.00}. PLEASE RETURN THE {$17.00} CREDIT TO THE BALANCE. I DISPUTE THIS FRAUD. 

PUT IN WRITING THE REASON SYNCHRONY BANK HAS INACCURATE DATES AND PRICES, WITH THE AMAZON CREDITED ITEMS, IN EXHIBITS 1 AND 2. 

PLEASE NOTE CAREFULLY. I DISPUTE THE OUT OF NO WHERE, NO PAYMENT DUE, UNAUTHORIZED PAYMENT FOR {$8.00}. SEE EXHIBIT 3. I DID NOT MAKE SUCH PAYMENT AND SUCH PAYMENT WAS MALICIOUSLY AND CRIMINALLY USED IN MY CHECKING ACCOUNT. IT IS UNAUTHORIZED. REFUND THE UNAUTHORIZED AND UNWARRANTED PAYMENT OF {$8.00} XXXX XXXX XXXX 

PLEASE CORRECT THE ADDITIONAL CREDIT INACCURACIES IN EXHIBITS 4 AND 5. BOTH EXHIBITS SHOW THE CURRENT BALANCE AS THE SAME AMOUNT OF {$1000.00}, YET EXHIBIT 5, SHOWS A XXXX AVAILABLE CREDIT ERUPTION THAT IS NOT DEDUCTED FROM THE CURRENT BALANCE OF {$1000.00}. PUT IN WRITING THE REASON FOR THIS INACCURATE CREDIT REPORTING AGAIN, AND FIX THIS BY DEDUCTING THE {$17.00} FRAUD FROM THE ALLEGED {$1000.00} CURRENT BALANCE. 

PLEASE SEE EXHIBITS 6 AND 7. PLEASE PUT IN WRITING WHY THE AVAILABLE TO SPEND IN BOTH EXHIBITS ARE THE SAME, {$160.00}, YET THE CURRENT BALANCE IN EXHIBIT 6 IS {$940.00} AND IN EXHIBIT 7, IT IS {$850.00}. 

PUT IN WRITING, WHY WAS THE EXHIBIT 7, {$100.00} PAYMENT NOT APPLIED TO THE AVAILABLE CREDIT? WHAT IS THE PURPOSE OF THESE REPEATED CREDIT REPORTING INACCURACIES? 

ACCORDING TO THE EVIDENCE IN EXHIBITS 7 -9, THE CURRENT BALANCE IS {$900.00} AND THE AVAILABLE CREDIT IS {$110.00}. THE CREDIT LIMIT IS XXXX. PUT IN WRITING WHY SYNCHRONY BANK IS USING INACCURATE CREDIT REPORTING AS A METHOD OF OPERATION IN MY ACCOUNT. IS THIS SOME NEW HARASSMENT TO SABOTAGE ANOTHER GOOD-STANDING NEVER LATE OR MISSED ACCOUNT? 

IN CLOSING, I INVOKE MY GOD GIVEN AND FDCPA, FCRA, EQUAL CREDIT OPPORTUNITY ACT AND EQUAL PROTECTION OF THE LAW RIGHTS, TO HAVE THIS ORGANIZED FRAUD, GOOD-STANNDING CREDIT CARD ACOUNT SABOTAGE STOPPED. I DISPUTE ALL THE FRAUD NOTED AND DEMAND VALIDATION. I DEMAND WRITTEN REASONS AND STOPPAGE FOR EACH AND EVERY CREDIT INACCURACY ADVERTISED. PLEASE CORRECT THE ACCOUNT BALANCE AND AVAILABILITY EXPEDITIOUSLY AND STOP THIS MALICIOUS INACCURATE CREDIT REPORTING VERIFIED IN EACH EXHIBIT ATTACHED. THANK YOU. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX REFERENCE POSTED AT : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX : XXXXconsumerfinance.govXXXX XXXX XXXX XXXX FEDERAL TRADE COMMISSION, https : //reportfraud.ftc.gov/ # 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