Consumer complaint received 2017-07-14
Company: SYNCHRONY FINANCIAL
State: MD
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:
I AM THE VICTIM OF THEFT BY PEOPLE THAT I ALLOWED INTO MY HOME TO CLEAN. THE THIEVES STOLE AND USED MY WALMART MASTERCARD ACCOUNT ENDING : XXXX, AND MADE A PURCHASE IN THE AMOUNT {$150.00} FOR WHICH I FILED A FRAUD CLAIM IN XXXX 2017, WHICH WALMART DENIED STATING THAT : " CUSTOMER BENEFITED FROM USE OF CARD/PARTICIPATED IN THE PURCHASES. '' I CONTACTED WALMART FRAUD DEPT. AND ASKED WHAT THIS REASON THEY CITED MEANT, AND WAS INFORMED THAT : " YOU MADE THE PURCHASE BECAUSE YOUR PIN NUMBER WAS USED. '' THAT IS WHEN I LEARNED THAT THE THIEVES HAD ALSO STOLEN MY PERSONAL DIARY WHICH THEY ALSO HAD ACCESS TO BECAUSE IT WAS IN THE SAME LOCATION AS MY WALLET. I ALWAYS KEEP MY WALLET AND MY PERSONAL DIARY IN THE BACK OF MY TOP NIGHTSTAND DRAWER IN MY MASTER BEDROOM, WHICH THE THIEVES RUMMAGED THROUGH, WHEN THEY WERE SUPPOSED TO BE CLEANING MY HOME, TO STEAL, AND USE MY CREDIT CARDS AND GAIN ACCESS TO ALL OF MY PERSONAL INFORMATION. ONCE I REALIZED THAT THE THIEVES HAD MY IMPORTANT, PERSONAL, VALUABLE INFORMATION, I PLACED A " FRAUD ALERT '' TO ALL OF THE CREDIT REPORTING AGENCIES, AS WELL AS, FLAGGING MY BANK ACCOUNTS, AND OTHER CREDIT CARD COMPANIES BECAUSE MY DIARY CONTAINS : MY SOCIAL SECURITY CARD, ALL OF MY BANKING ACCOUNT NUMBERS AND BANK ACCOUNT INFORMATION, MY ATM PIN NUMBERS, ALL OF MY CREDIT CARD PIN NUMBERS, MY HOME ALARM CODE AND PASSWORD, MY CAR LOAN ACCOUNT INFORMATION AND PIN NUMBER, MY GRANDCHILDRENS SOCIAL SECURITY NUMBERS -- ALL OF MY IMPORTANT, VALUABLE INFORMATION ; WHICH I EXPLAINED TO WALMART 'S FRAUD DEPT. I FILED A SECOND FRAUD CLAIM WHICH WALMART ALSO DENIED STATING : " WE DID NOT IDENTIFY ANY UNAUTHORIZED PURCHASES APPLIED TO THE ACCOUNT. '' I EXPLAINED OVER AND OVER TO WALMART THAT I DID NOT MAKE THIS PURCHASE NOR DID I AUTHORIZE ANYONE TO USE MY CREDIT CARD ( S ) BUT WALMART WANTS TO HOLD ME RESPONSIBLE FOR THIS CHARGE.
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I BELIEVE THAT WALMART IS DECEITFUL IN THEIR SO-CALLED INVESTIGATION INTO THIS PURCHASE THAT I DID NOT MAKE OR AUTHORIZE TO BE MADE. I STATED TO WALMART THAT IT CAN EASILY BE PROVEN THAT I DID NOT MAKE THIS PURCHASE. THE PERSON THAT STOLE AND USED MY WALMART MASTERCARD HAD TO SIGN FOR THIS PURCHASE. IT CAN EASILY BE PROVEN THAT I DID NOT MAKE THIS PURCHASE. ALL THAT NEEDS TO BE DONE IS TO RETRIEVE THE SIGNATURE FOR THIS PURCHASE AND MATCH THE SIGNATURE TO MY SIGNATURE, THE SIGNATURES WILL NOT MATCH, AND IT WILL PROVE THAT I DID NOT MAKE THIS PURCHASE BECAUSE THE SIGNATURE FOR THIS PURCHASE WILL NOT MATCH MY SIGNATURE. WALMART 'S INVESTIGATOR INFORMED ME THAT THE PURCHASE DID NOT HAVE TO BE SIGNED FOR. NOT TRUE! NOT TRUE! NOT TRUE! I KNOW FOR A FACT, THAT, WHENEVER YOU MAKE A PURCHASE USING THE CHIP READER, YOUR SIGNATURE IS REQUIRED BEFORE THE CHIP READER WILL RELEASE YOUR CREDIT CARD. THE PURCHASE CAN NOT BE COMPLETED UNTIL AFTER THE REQUIRED SIGNATURE HAS BEEN OBTAINED.
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I BELIEVE THAT WALMART IS USING DECEITFUL AND UNFAIR CREDIT PRACTICES. I DID NOT MAKE THIS PURCHASE, I DID NOT AUTHORIZE THIS PURCHASE, I DID NOT SIGN FOR THIS PURCHASE, AND I AM NOT RESPONSIBLE FOR THIS PURCHASE. I ALWAYS PAY MY BILLS AS AGREED. I ALWAYS PAY FOR MY PURCHASES WITHIN THIRTY ( 30 ) DAYS, THEREFORE, WALMART IS UNABLE TO ACCESS INTEREST. I BELIEVE THAT WALMART IS TRYING TO HOLD ME RESPONSIBLE FOR THIS PURCHASE THAT I DID NOT MAKE OUT OF " GREED '' BECAUSE WALMART IS TRYING TO CHARGE ME INTEREST, BECAUSE IT HAS NEVER BEEN ABLE TO ACCESS INTEREST BECAUSE I ALWAYS PAY AS AGREED AND BEFORE ANY INTEREST CAN ACCRUE.
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I AM AN HONEST PERSON. I PAY MY BILLS ON TIME. I DID NOT MAKE THIS PURCHASE, AND I AM NOT RESPONSIBLE TO PAY FOR A PURCHASE THAT I DID NOT MAKE. I DESPERATELY WANT TO SEE THE SIGNATURE FOR THIS PURCHASE. I KNOW THAT IT IS NOT MY SIGNATURE BECAUSE I DID NOT MAKE THIS PURCHASE. I DEMAND TO SEE THE SIGNATURE FOR THIS PURCHASE. I CAN PROMISE THAT IT IS NOT MY SIGNATURE!
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I REQUEST THAT THE CFPB INVESTIGATE WALMART 'S DECEITFUL AND UNFAIR CREDIT PRACTICES, OBTAIN THE SIGNATURE FROM THE MERCHANT WHERE THE ABOVE-REFERENCED PURCHASE WAS MADE, WHICH WILL PROVE THAT I DID NOT DO THIS, AND THAT I AM NOT RESPONSIBLE FOR THIS PURCHASE. I ALSO WANT THE CFPB TO PUBLISH THIS DESCRIPTION SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. I AM TRUSTWORTHY. CONSUMERS NEED TO BE MADE AWARE THAT WALMART IS NOT TRUSTWORTHY, AND THAT WALMART WILL TRY TO MAKE INNOCENT PEOPLE LIKE ME AND THEM PAY FOR A PURCHASE OR PURCHASES THAT THEY DID NOT MAKE AND ARE NOT RESPONSIBLE FOR BECAUSE WALMART IS SO GREEDY, IT WILL TRY TO ACCESS INTEREST EVEN WHEN A CUSTOMER DOES NOT OWE IT.

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 non-monetary relief