Consumer complaint received 2020-01-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Complaint Description : XXXX XXXX placed an unauthorized charge of {$660.00} on my cabinets to go credit card.original sales order reflects {$4200.00}, {$4900.00} charged XXXX XXXX placed an unauthorized charge of {$660.00} on my cabinets to go credit card.original sales order reflects {$4200.00}, which i did sign off on on XXXX, after that same date he went in and added an additional {$660.00} to the sales order and now {$4900.00} has been charged. I have the original sales order of {$4200.00} and no revisions or changes were made by me over the phone, in person or in any other format, additionally I didn't have a signed copy of the sales order until just today XXXX. The copy given to me on XXXX was a blank copy without any signatures or initials. Today he emails at my request what i supposedly authorized on XXXX showing an amount of {$4900.00} and a revision to the sales order that I had no idea of. Also, it appears that he has taken the original sales order, went into his computer program and added the {$660.00} without authorizationb and taken what I signed on XXXX and pu them together as if I authorized the revision back on XXXX. On XXXX my husnad and I both were in the XXXX  store and I signed the paperwork that day. Please not : countertops were not installed until XXXX, so the {$4900.00} shows up on my XXXX statement. If Mr XXXX alleges I signed for the additonal added to the card why would I have done that on XXXX when th countertop people had not even came out to measure for a template???? Template was scheduled to be done XXXX, I cancelled appointment on XXXX because all of the cabinets had not came in ... .. I canceled a full 5 days in advanced but yet Mr XXXX charged a {$150.00} cancellation fee to my card!!! Why??? Template was done on XXXX & counters installed on XXXX so please tell me how I authorized such on XXXX for future events???? This is clearly taking advantage of the consumer in all aspects and I find it careless and appalling that Mr XXXX would tell me to call XXXX XXXX to discuss and I would be hurting myself by doing so.I am a consumer and I feel that I have been taken advantage of in this process when all I was trying to do is purchase countertops and cabinets. The passing the buck around by XXXX XXXX XXXX, XXXX and XXXX XXXX is an example of someone not owning up to their part of what I consider fraud. I refuse to pay for anything that I did not receive and I surely will not pay for unauthorized charges of any sort on my credit card. Not sure what type of scam is being played but rest assured I will be warning anyone trying to do business with any of these companies.This issue has now caused so much stress on me that it has affected my XXXX XXXX XXXX and caused me to become sick over it. These charges need to be removed from my statement and I want an official written apology from all parties involved in this foolery game of passing the buck back and forth instead of owning up to their mistakes. XXXX XXXX is denying adding any revisions or additional charges to my card but I am told by XXXX XXXX XXXX they did, XXXX refused to speak with me and was very rude and unprofessional on the phone.They all should be fined! 

Your Desired Resolution : charges need to be removed from my statement and I want an official written apology from all parties involved in this foolery game of passing the buck back and forth instead of owning up to their mistakes.They all need to be fined! XXXX XXXX XXXX needs to put in place a policy that each consumer receives a signed copy of exactly what they signed. Not a blank printout that gives someone the capability of going on their computer adding and taking away figures and taking previously signed pages and placing them with documents they revised without consent and authorization. This is fraud and deceit on consumers T

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