Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, CT XXXX Dear sir, I would like to write a comment on the review of CFPB prepared by a senior specialist, cooperate consumer relations of your company, Synchrony Bank ( XXXX XXXX ), XXXX XXXX I chose the above written address to send this document, since the review prepared by XXXX XXXX has XXXX addresses. XXXX is XXXX West XXXX XXXX, XXXX XXXX, XXXX, UT XXXX and another is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
From the beginning, I have a question whether your employee has the right to upload entire bill to CFPB without the consent of customer, since the bill has my personal information. I believe your employee breached the right of customer by uploading to the third party, even if she did to the federal organization. The reason is I have paid off what I bought, and I do not think there is any issues to be criticized by her regarding the payment which the bill might have suggested if I did not pay off. I want to know why she needed to upload entire statement and thankfully added the explanation how to read the statement. And she must have known I paid off every month. Therefore, I have a question of her position, a senior specialist of corporate consumer relations. According to XXXX research, a corporate consumer relation refers to the methods a company uses to engage with its customers and improve the customer experience. This includes providing answers to short-term roadblocks as well as proactively creating long-term solutions that are geared towards customer success. She mentions regretting something over the understanding of statement. Since I have paid off each month and asking only about the reward certificates in question, I do not understand what she was regretting. From my viewpoint who paid off every month, usage of regret toward a customer means she is despising somebody, who do not do his/her responsibility. Since I paid off all statement amount, not minimum, I am not sure why she expressed toward me the word regret, which suggests despising. 
Regarding the reward certificates, ending XXXX and XXXX, I still have the original certificates as the copy enclosed indicates, which I copied with todays NJ Transit receipt. As far as I remember on them, I tried to use them at HomeGoods, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, NJ XXXX. On that day, as I previously mailed to you and reported to CFPB, I tried to use both to get a XXXXXXXX XXXX  on XX/XX/24. Then, there was a lady casher and a man, who was jumping around the lamp section of the shop to create and put the clearance price stickers with finger scanner. Since I have the original certificates, I can not understand why they were redeemed as you have indicated with uploaded receipts. They might be the certificates with the same ending numbers used same shops I did shopping. You need to investigate more and clearly show the original certificates. Then, you need to explain why there are XXXX same ending number certificates. 
The employee mentions I have requested the sales receipt ; however, I never did. I never complained anything about packaging and price tag issues usually. More than that, I usually satisfy what I have bought. You have mentioned me to complain these matters to the stores, but I do not have issues like that, so what your employee mentioned were disgusting. And I can say it is regretful. As your employee says, Synchrony Bank is merely the financier of the TJX Rewards Card and the TJX Rewards Platinum Mastercard Credit Card. I do not want to have any more service from this employee. 
Sincerely,