Consumer complaint received 2017-08-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a US Veteran and tried to purchase a spa with XXXX XXXX at XXXX XXXX XXXX in XXXX, TX. The company was at the convention center XXXX XXXX XXXX only. The salesman stated I could be approved with a home improvement loan through XXXX XXXX I provided my information for the application. I was informed I was approved. After I signed electronically I requested copies, the salesman stated it would be emailed. In addition someone would call me to schedule delivery. I left the convention center and arrived home approximately XXXX. I started reading the paperwork and realized the information presented was not the same as the presentation. The salesman presented the application as a " Home Improvement Loan ''. In addition stated the manufacture warranty was in effect when actually the manufacture warranty paperwork was not part of the email paperwork. In addition the company is not a part of no manufacturer but rather a moving entity with a Virginia address that sells spas. I called XXXXXXXX XXXX at XXXX and spoke with XXXX to cancel the transaction. XXXX stated he could only see the authorization and could not cancel the transaction. He instructed me to call back 3 days later on Wednesday and speak with customer service. I returned to the convention center on XXXX XXXX XXXX to cancel the transaction. I handed him a copy of the attached letter pg 1 of attachment exhibit ( a ). I stated to him that Texas law allows for termination of contract within 3 days however it had not been 24 hours. He stated he was not listening because he was not from Texas and placed the letter on a table. I left the building, sent a text message to the salesman including my email address in the correspondence pg 1 of attachment exhibit ( b ), because that was the only number and contact I had. I informed both salesman and sales manager no one had called for delivery set up therefore it would not be necessary. I even informed him I called XXXX XXXX to cancel the transaction based on the paper I was given. pg 2 of attachment On XXXX XXXX XXXX I called SXXXX XXXX at XXXX to verify the account was closed. The representative informed me there was no balance on the account and the account was closed. On or about XXXX XXXX XXXX I received a statement from XXXX XXXX with a transaction date of XXXX XXXX XXXX and posting date of XXXX XXXX XXXX. This was after I received confirmation the account was closed. I called XXXX XXXX once again and open a dispute. I received a letter stating they would research my complaint. On XXXX XXXX XXXX I received a letter from XXXX XXXX ( pg 3 of attachment ) along with all the printed out information from XXXX XXXX, stating they were in favor of the vendor and I would have to pay the $ {$7600.00} plus {$29.00} bank charge for total of {$7600.00}, contact the vendor to arrange delivery which confirms I have not received the spa. In addition the letter stated to provide proof of cancellation. Page 1 of attachment which is exhibits ( a ) and ( b ) is the proof I cancelled less than 24 hours later. The sale man number was the only information I had. The letter stated if I did not pay it would be reported to the credit bureau. On XXXX XXXX XXXX I called XXXX XXXX XXXX left a message for someone to call me back. XXXX XXXX XXXX I sent a certified letter # XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX based on the address of the information provided by XXXX XXXX to cancel the transaction. In addition I sent a copy of the letter to XXXX XXXX On XXXX XXXX XXXX I called XXXX XXXX again, as of now XXXX central no one from XXXX XXXX has returned my call. As a veteran of the US, I served my country therefore treatment of this sort should not be allowed. As a consumer I have taken all necessary action to cancel this transaction with good faith. This transaction has caused me nothing but unnecessary anxiety. I have not received the goods or services nor do I planned on receiving. It is obvious the company was aware that I cancelled the transaction because no one ever called me. The entity has left and can only be reached by a number that no one answers or return calls. I request XXXX XXXX cancel this transaction and closed this account with a XXXX balance.

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