Consumer complaint received 2021-08-01
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
OK, this pattern goes back and I have complained about SYF 's lies as recently as this year. To review, in my prior XXXX  MC or XXXX XXXX or XXXX XXXX or AMAZON store cards, SYF consistently maintains a resentful lapse in supervision that it justifies as a " security measure '' designed to protect against fraud. But in past cases like the current one at AMAZON, it uses this backdrop in attempt to steal and wrongfully withhold balances while at the same time telling lie after lie after lie to the end user of its product. 

In XX/XX/2021, I opened an AMAZON card for store purchases at that website. After opening this card, I asked it to investigate a charge from AMAZON where it had billed me for an item that it lost in delivery. It should be clearly noted here that both AMAZON and SYF appeared in cahoots over this. As soon as this dispute was brought to SYF 's attention online, it began processing said dispute and within a matter of days proceeded to question my use of said card as inauthentic. It accomplished this messaging by turning off my credit card in the name of fraud where no threat of fraud existed. 

So now my credit balance exceeds XXXX XXXX dollars and the card is unusable, meaning SYF has isolated the account as " suspect '' -- causing AMAZON to defer to my other cards for purchases. When I called SYF about this in the past ( meaning we go back to the time before they did the same shenanigans at XXXX MC ), their staff systematically would back pedal by phone ( apologizing while refusing to escalate the matter for management review and lying to me as card end user ). When these shenanigans were brought to CFPB for review, it said nothing truthful there either about the context wherein it openly and deceitfully maintained blockage over my ability to retrieve funds belonging to me in the name of its " security. '' As recently as XXXX, SYF published another one of its hindsighted cover ups by snail mail ( see attached letter from the " XXXX '' ). My problem with this is that they are blatantly demanding on behalf of their " Fraud Team '' that I create video of myself for its satisfaction over the Internet as if to justify its unacceptable behavior in stealing from me without cause. This was reported to it and CFPB again and again. SYF continues to nonchalantly open accounts and retaliate against me in an unethical fashion while thumbing its nose at me during phone calls, XXXX chats, emails, Secure Messaging, etc. My complaint here, again, remains that it can not remain in our marketplace fabricating stories about " fraud '' in its continued efforts to steal from end users. 

It remains committed to its thieving practices under the counter while pretending to have legitimate interest in its unconscionable theft. It should be required to express deliver certified bank check to my mailing address of record immediately by order of an executive team member with a valid call back number. This practice it uses at pretending one narrative and then unaccountably doing otherwise is unacceptable. It should not be allowed to administer credit cards of any kind with this demonstrable pattern of theft over my course of a handful of various credit cards wearing its brand name.

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