Consumer complaint received 2017-05-19
Company: SYNCHRONY FINANCIAL
State: WI
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:
On about  X/XX/17   , I saw that there was a fraudulent charge on m y TJ Maxxx Cr edit Card, so I called the company and they automatically cancelled my card and got me a new card soon after. I was charged for {$800.00} ( card insurance company ), random {$1.00} charges, and {$20.00} for   XXXX   XXXX   in Massachusetts on  XXXX  ( I do n't live there ). I was satisfied at first, because my fraudulent charges were refunded on  X/X/2017   . I got my new  TJ Maxx cre dit card on around  X/XX/2017    ( because that 's when I made my first purchase on it ) and between  XXXX  -  XXXX , I made purchases at local stores only. On  X/XX/2017   , I was charged again for {$33.00} for a fraudulent charge through a company called   XXXX  . I have never used   XXXX   before and was surprised that my card information was taken again. I called the company and they " fixed '' it for me, by running a fraud report and taking away the fraudulent charg e (  by  X/XX/2017   , I had everything taken off of my account ). On  the day I calle d them about the fraudulent charged I asked for my credit card to be canceled completely, because I was unsure how anyone gained access to my new credit card information. Around  X/XX/2017   , I was going to get a check for {$.00} for over charges, and it was sent to me on  XX/XX/2017   . It is now  X/XX/2017   , and I got an email about my balance on m y TJ Maxx c redit card, which confused me, because my card was cancelled. I went and checked it and saw tha t TJ Maxx h ad recharged me for the fraudulent charge on my account of {$33.00} and that I had a credit of {$48.00} for extra interest charge (  X/XX/2017    ). I was angry, becau se TJ Maxx never sent me a check for the {$48.00} ( the {$.00} one the y sent me within 3 days of it being on my account ), yet it is today  X/XX/2017    and I never received it. I was also angry, because again I was being charged for a fraudulent purchase. I calle d TJ Maxx a t around  XXXX  on    XXXX   XXXX   XXXX     . Speaking to customer service, I was told that   XXXX   had sent them information that " proving '' that I made a purchase through their company ( which I never di d ). TJ Maxx charged m e for this fraudulent charge again on   X/X/2017    . When I spoke to the customer service lady, she told me  TJ Maxx sent me information regarding this in the mail, yet I have not yet received any information regarding this purchase that " I made ''. The customer service  lady said she would reissue a fraud claim on my account and sent me to the fraud expert, who sent me back to customer service for no reason! I do n't believe this company is truthful in any way with how they handle their business. I believe it 's very weird that I get fraudulent charges on a brand new credit card with in two weeks of having it. It seems that someone got my credit card information somehow, when the only people that know it are me and the credit card company. I also thing it 's weird that they never sent me my {$48.00} refund check, yet they sent me the   XXXX   XXXX   refu nd check. This credit card company has been nothing but a headache to me that has hurt  my credit score (   because I cancelled my account over the continuous fraudulent charges ) and I wish upon no one else the pain and frustration I 've gone through with them.

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