Consumer complaint received 2018-08-14
Company: SYNCHRONY FINANCIAL
State: MD
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:
Complaint is against XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX who backs the TJX Rewards Platinum Mastercard. 
Charges started on XX/XX/2017. They are showing {$400.00} in charges, plus additional interest. I see even more charges from these scam fraud companies. 
I called the credit card company as soon as I saw the charges on my bill. Told them I didn't purchase anything and told them to shut my card down. They issued me a new card and then they continued to let these companies charge things to me yet again! So I started to investigate myself and obtained one of the phone numbers for the fraud companies from the credit card company from billing. Upon calling the companies, they wanted all my info! They claim the purchase was made at XXXX, which in itself is a red flag. I never received any items from these 7 plus companies ever! Of course now I have given them my address over the phone, so they had my info to claim they shipped things to me with. Nobody will tell me what was purchased on either side. The company in California claims someone called the next day to cancel the purchase. It wasn't me either, since I didn't get their number till the next months billing cycle. I wear no make up products, creams and don't use any devices on my body. I was also in an accident just before these purchases, where I was XXXX XXXX XXXX XXXX XXXX and unable to XXXX XXXX XXXX XXXX without extreme assistance. Still injured to this day. XXXX XXXX can see that my credit history shows only local purchases in the area I live in and I am not a big spender, most is food and some thrift store purchases. I have never given out my credit card info to purchase anything online except a couple of times from their stores they are connected to which is TJMaxx. They can see the whole time I have owned the card that is all I have used it for. I would never order any skin products period. I get XXXX from everything and have a real problem getting XXXX even from the doctor, because I am so sensitive. XXXX XXXX can NOT say I purchased these products or whatever it was, as I didn't and they can't seem to show proof of my signature anywhere for purchase or delivery of such items. Nothing has come to my home by mail, XXXX or XXXX. When I disputed the purchase to the California company they said it won't work out in my favor, but they will refund me 30 %. What? I never made the purchases! It seems this company has a lot of fraud connected to it and that was only one of the many companies that charged to my credit card. I didn't call any others, as I didn't want to give out my info to even more of them. I have opened a fraud case every month with XXXX XXXX, since I found out and they close them with saying Merchandise was shipped to verified address, which is very false. Still no proof of purchase or delivery with my signature. What was even ordered from 10 places? They started out with small charges like {$1.00}, {$2.00}, XXXX, {$16.00}, then moved up to larger charges of {$94.00}, XXXX, etc. Multi charges all within a short period of time of just days. Then the next month it started again and again. I don't understand why XXXX XXXX is taking the side of someone who is committing fraud and companies that are part of it, if they are even real companies or not. I told them right away and they let it continue. I have a freeze on my account and have put fraud alerts on the 3 main credit reporting bureaus. I have received notice from XXXX, my own person bank and XXXX XXXX that my info has been breached and released including credit card numbers, pins, codes, my address, account info, etc. I even filed a police report. I will not pay the charged amount. I have been paying my own charges that are valid by the due date. The card is still frozen and I would have done that the second I found out charges were made if I knew I could. I wasn't told that till many months later. I would not open an account with XXXX XXXX again, as those fraud companies again would be charging to my account. I looked online and there are so many complaints against XXXX XXXX who seem to back local stores for credit. I have no issues with any other creditors and all my cards are paid off except this one. I won't be paying these charges ever, as they are not mine. I guess it will put a ding on my credit, but it will forever be marked as fraud to me. With all the money I have spent using this card you would think they would be able to figure out that they weren't my charges. It is a big waving red flag that they seem to be blind to. Other credit card companies will be getting my business from now on. My credit score is very high. XXXX XXXX should be ashamed for siding with a bunch of scamming fraud companies! I will file with every company or agency I can to report this fraud until it is resolved. I will not stop till they correct it period.

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