Consumer complaint received 2019-05-03
Company: SYNCHRONY FINANCIAL
State: NJ
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:
This case is against Synchrony Bank who declined my dispute of fraudulent charges ( {$1200.00} ) that happened with my Walmart credit card. I was issued Walmart credit card by Synchrony bank. I used my card at Walmart, XXXX XXXX on XX/XX/XXXX for {$45.00} after which many fraudulent charges were made with the card starting on XX/XX/XXXX without my knowledge. I realized this when I received my XX/XX/XXXX statement which was end of XX/XX/XXXX. I did not lose the card. Initially I was given a credit but after few days my dispute was declined reason that I benefited out of the card and the card was in my possession. 
I filed a police report with both XXXX and XXXX XXXX police department. 
Attachment # 1 is the monthly statement. I just shop at Walmart and XXXX gas   station in XXXX out of the 18 stores  listed. I dont shop in XXXX XXXX, XXXX supermarkets or Liquor stores. 
I enquired about the transactions and time when the card was used, after lot of hesitation I was given the time and I have included the time in attachment # 2. Surprisingly I was told there are two more transactions which dont appear on the monthly statement. 
1. {$21.00} on XX/XX/XXXX at XXXX, XXXX, NJ 2. {$1.00} on XX/XX/XXXX at XXXX gas station, XXXX The charges made are mostly in XXXX XXXX. I live in XXXX and commute to XXXX from XXXX train station. I wont park my car in XXXX before XXXX XXXX and travel to XXXX XXXX to have breakfast in XXXX XXXX at XXXX XXXX  ( transaction XX/XX/XXXX ) Attachment # 3 is a letter from my Manager that I was present in the office on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My office hours are XXXX XXXX to XXXX. 
Below are some of the transaction times and proof of me not being at the location at the time when my card was used. 
1. Transactions 2 and 3 on XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXX and XXXX XXXX XXXX At this time, I was shopping at XXXX in XXXX and the transaction time was XXXX ( XXXX XXXX ) which is just 4 minutes after XXXX XXXX transaction ( Attachment # 4 ). 
2. Transaction 5 on XX/XX/XXXX at XXXX XXXX at XXXX ( XXXX XXXX ) I sent an email at XXXX XXXX from my office in XXXX XXXX XXXX. No way I could reach XXXX XXXX from my office in 1 hour ( Attachment # 5 ) 3. Transaction 10 and 11 on XX/XX/XXXX at XXXX XXXX and XXXX at XXXX XXXX At this time, I was shopping at XXXX in XXXX and the transaction time was XXXX XXXX. ( Attachment # 6 ) 4. Transaction 30 on XX/XX/XXXX at XXXX at XXXX in XXXX At this time I was in my office and had sent an email at XXXX ( XXXX XXXX ) ( Attachment # 7 ) 5. Transaction 35 on XX/XX/XXXX at XXXX at XXXX in XXXX At this time I was in my office and had sent an email at XXXX ( XXXX XXXX  ) ( Attachment # 8 ) I have contacted many merchants and some cooperated. Video footage was available at various stores and if Synchrony bank had investigated diligently, they would have found that I was not at the location. Actually, they really dont want to investigate in detail and just pass the charges on me. 

The owner of XXXX XXXX food store in XXXX shared the receipts with me ( Attachment # 9 ) and those are not my signatures. 

With all the above evidences, it proves that I am innocent and didnt make these purchases. If the credit card was not lost and my information was leaked it is the credit card company who should find out how the information was leaked. Just saying that chip can not be duplicated and accusing me of benefiting out of the purchases is not true. 

According to many articles, chip duplicators are available. 

I seek justice from this fraud bank who are threatening me to tarnish my credit if I dont pay for the purchases which I didnt make. 
Walmart has been silent observer and doesnt take any interest in resolving this.

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