Consumer complaint received 2018-02-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was the customer with XXXX I did buy their XXXX  in XX/XX/XXXXand paid by my bank card, all done. But I got trick to their offer to try and use their XXXX XXXX, I did try and cancel AFTER they charge me initial try for {$99.00} USD, and monthly they keep charged into my bank card, I cancel and got all the refund back. 
In XX/XX/XXXX I have no choice have to look back XXXX to buy their other product : XXXX XXXX, I did buy and paid by my credit card ... this time their products are not working, I have to return, they got it back and promise will refund back to me the amount I pay, and payment never received from XXXX.After I bought their products they also offer me to apply for their credit card, I surprise ... and try to apply ... week later, I got the reject letter from XXXX XXXX notify me I don't qualify, that letter was from XXXX XXXX .... later XXXX send me a card call XXXX XXXX, last year I apply XXXX but NO CARD, this year DIDN'T apply XXXX  and got the card .... and ridiculous on the card has a sticker : NO ACTIVATION REQUIRED..! so when you receive, you have it, you are the owner you have to pay what ever thay ask you to pay as the agreement, I never know they have the non sense agreement that I never get it in the mail or by email or asking me to check XXXX   page ... XXXX end up I have the letter asking me to pay lamost {$400.00} usd include the late payment which is {$35.00} each poip .... That's the way XXXX trick all customers to buy their products with free shipping. 
I complain about XXXX XXXX and they promise and send me back a letter, they did but NOT IN DETAILS .... what product I bought? and they also give me all the refund but later they charged back ... that's is the point I have to write this letter. 
Thay start search my credit report, from XX/XX/XXXX until XX/XX/XXXX almost more than 10 times my credit report was searched by XXXX & XXXX XXXX  in Florida .... please give me the answer, about the details, FEAR LAW, and PRIVACY LAW PROTECTION .... my privacy was invaded by XXXX & XXXX XXXX at any time they want, they can steal your information to resell to other company online, after XX/XX/XXXX, I got lots of {$1.00} life insurance invitation, car insurance, home mortgage loan and my credit FICO sore was shrink to XXXX in XX/XX/XXXX from XXXX XXXX .... 
XXXX XXXX  also help XXXX to attack customers at the same time, they never give you WHO COME in to check your credit score, on their FICO score I approved they are excellent rating but after I found they are hired by XXXX then the story is finished with XXXX. 
XXXX XXXX  send me letter or billing statement monthly, XX/XX/XXXX they treat me if I didn't pay the bill they will let the COLLECTION AGENT TAKE CARE for them, just less than {$300.00} unpaid bill because the wrong charge and overcharged bill and they never send me the details of the charges.

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 monetary relief