Consumer complaint received 2019-01-23
Company: SYNCHRONY FINANCIAL
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Walmart has overcharged my account with debts that are not incurred by me. There are two items that I recognize XXXX XXXX adult trike picked up on XX/XX/XXXX ( due to accident my van was destroyed ) and a XXXX XXXX. Thereafter, I do not use Walmart card to purchase any clothings neither accessories. Walmart card is only to obtain vehicle related emergencies. I do not change oil at walmart neither. After the adult trike on XX/XX/XXXX and before that date I was only making payments. I have kept my credit low and limiting myself to only necessary items. Seems after XX/XX/XXXX are charges that are not my purchases. thereafter Walmart makes appear in my statements, exaggerated fees and interests over the amounts of charges that I did not incurr. I called Walmart two times. I was told that charges were going to be removed, that it was not my fault. I called to make a payment and the charges are still there the balance has reached the XXXX and walmart makes appear purchases two months after the card was reported lost. How can walmart authorize charges after a card is lost and prior to the card getting lost while not removing the overcharges neither the exaggerated interests in charges not incurred by me. I have spoken three times with Walmart supervisors and they promise to fix the problem verbally over the phone, but the account still shows overly charged. I went to deposit XXXX diollars in a blue bird card to make the payment a cashier at walmart on XX/XX/XXXX took my cash and only XXXX reflect in the bluebird card. I went to walmart, spoke with XXXX a XXXX man that claims to be the assistant manager and refused to seek for the video to place my money back in my card. Likewise, the charges in my walmart card are run by Synchronity bank. I do have the statements and have revised one by one the statements with my surprise that seems a scam the list of charges. This is traumatic for someone that has maintained a balance in my ways of using Walmart card and is obvious to see the statememnts prior to XX/XX/XXXX ( noticing that non authorizes charges are in XX/XX/XXXX as well, but I had not been aware that someone was using or charging my account. who else can use my account if not walmart itself> In regards to the cash taken from my hand, I require that walmart seeks for the video at the  cashier that did not deposit the full amount but only placed XXXX out of XXXX dollars handed. This is not correct, I work so hard and I have been making payments assuming that all was correct, until I see the statements and after reporting my card lost. seems there was usage prior of the card lost. Please publish this. If I can provide the statements and actual items that I have acquired, It can serve for the public to see how I am getting hurt. I explained what items I have purchased and those are the only two last items in the XXXX that I recognize as I do have them in my possession. The rest of fees and charges in my account are not incurred by me and need to clear all. the attachments are statements since XX/XX/XXXX through XX/XX/XXXX and after the card lost walmart appears charges using the same card. How?

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