Consumer complaint received 2021-12-01
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XX/XX/XXXX I tried purchasing a regal gift card online through the XXXX gift card shop. I tried using my XXXX cash back visa credit card ( synchrony bank ), but when I clicked submit payment, the website told me that my credit card info was entered incorrectly and to try again. I tried XXXX times and it would not work, so I tried a different credit card and it accepted it the second time I entered it. I thought I was only purchasing XXXX gift card, but I discovered a few hours later that the XXXX website had charged me each time it told me that my credit card info was wrong and to re-enter my information. I was charged XXXX times for the same purchase and I did NOT consent to buying the same gift card XXXX times. I only wanted to purchase XXXX gift card and ended up with XXXX, XXXX of which I did not consent to. I then cancelled my credit card and called the XXXX XXXX XXXX ( XXXX ) and spent XXXX minutes on the phone with a woman named XXXX. She said she would file a charge dispute for all XXXX charges with the reason being " double charge ''. I asked for a case number and she told me they don't have case numbers. The only info she would give me about my case is that her name was XXXX and the disputes were processed at XXXX ( Texas XXXX. On XX/XX/XXXX, I receive an electronic letter from XXXX saying they are reviewing my claim. XX/XX/XXXX, I receive an email saying my statement is ready and all of the charges are back on my statement and they are saying I owe them {$840.00} even though I disputed all of these charges and they can not legally make me pay this when I have a case opened against them. I tried connecting to the live chat XXXX minutes ago and a live agent claimed they were going to help me, but then they abruptly ended the chat. When I tried connecting with an agent again, the automated chat bot told me no one was available. When I try calling the regular number, it tells me that there are no employees in office due to XXXX and to talk to the automated chat bot online for further assistance. This entire company is a scam and fraudulent. 

All XXXX transactions occurred on XX/XX/2021, but the credit card says the transaction date and post date are XX/XX/2021 Reference number for all XXXX transactions are XXXX & Description of all XXXX transactions are XXXX XXXX XXXX XXXX ME XXXX charges of {$160.00} and XXXX charge of {$160.00}. I had changed it to {$160.00} thinking the website didn't like the XXXX cents on the charge The company has not tried to solve my problem and instead has made this extremely difficult to even talk to someone that can help me. Now they are trying to illegally collect money from a charge that was fraudulent because their website was charging my card without my consent.

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