Consumer complaint received 2017-08-11
Company: SYNCHRONY FINANCIAL
State: LA
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:
I will provide only one instance ( XXXX ) of three cases of fraud that have occurred with my XXXX XXXX card issued by XXXX XXXX  since its issuance in XXXX. In two cases, it involved charges by merchants that I had cancelled services ( XXXX and XXXX XXXX XXXX ) ; in the third it involved breach in data security which allowed someone to use my Synchrony Account to make purchase on East Coast. XXXX XXXX has failed to comply with FCRA, 18 U.S.C. 1681s-2 by failing to correct errors in my credit report, failure provide cardholder agreement, and by initiating reprisals for my filing disputes and fraud claims with XXXX XXXX who provided inaccurate and incomplete payment information to the Credit Bureaus. The following provides chronology of dispute with XXXX and my reporting to XXXX XXXX : 1.  OnXX/XX/XXXX, emailed XXXX ( 2 pgs. ), and cancelled subscription service. 2. On XX/XX/XXXX, called XXXX, spoke XXXX XXXX, CSR with XXXX   XXXX, about having cancelled my service with XXXX onXX/XX/XXXX : a. Informed hadnt received service approx. month ; b. Programming was pixilating and dropping out ; c. Didnt have access to full range of programming was paying ( certain networks couldnt be accessed ). 3. Advised XXXX XXXX to annotate my account that I wanted copy of card holder agreement ; and legal documentation of her statement that consumers couldnt cancel a merchant whom they had recurring service. I then asked XXXX XXXX to repeat back what I had said, and she hadnt put any of it in her database. So, I told her again the exact words to put into her system and documentation I expected to be mailed to me ( see Conversation of Record, XXXX XXXX, XXXX XXXX dated XX/XX/XXXX. I never received any card holder agreement and legal information requested. 4. OnXX/XX/XXXX, mailed 2 letters to XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX, Certified Mail # XXXX XXXX XXXX XXXX XXXX, indicating merchant XXXX was continuing process debit transactions against my card after my cancellation. Additionally, XXXX XXXX  had not provided me copy of cardholder agreement and legal citation to support their failure to cancel merchant ability process transactions after notification of problems and cancellation of service. a. Voided any business dealing with XXXX ; b. Demanding credit for {$87.00} dollars for transactions processed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 5. On XX/XX/XXXX, called XXXX, spoke XXXX ; transferred Fraud Department and spoke XXXX about putting Fraud Alert on my account as had been having many problems with transactions on account. She indicated that she would start a fraud file in their database. 6. On XX/XX/XXXX and XX/XX/XXXX, notified XXXX ( XXXX said put 90-day fraud alert on account and would mail me my rights ( never received ) ; and said they must contact other Credit Bureau by law ) to place Fraud Alerts on my files. Also notified XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to place Fraud Alerts on my accounts. 7. Have disputed the record of account with XXXX XXXX to credit Bureaus and they have failed to correct inaccurate and incomplete information provided Credit Bureaus.

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