Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

I reside in NJ, on XX/XX/XXXX I went shopping to TJX in XXXX, NJ. At the check out I was offered to open up TJXRewards credit card and get 10 % off current purchase. I agreed, paid with my XXXX XXXX credit card ( photo of original receipt included, where it shows TJXs 10 % off = {$22.00}, and the amount that I paid after discount of {$210.00} ; That sums up to {$230.00} if I didnt open Rewards account ). I was told that I will receive my TJX credit card in 7-10 business days ( also shown on that photo ). I received a CC in about 2 weeks, I wasnt going to activate it until I go shopping to TJX next, so I put it with initial receipt without activating. In the beginning of XXXX I received XXXX statement from TJXRewards card with a balance due of {$290.00}, and under Purchases and other details it states MARSHALLS XXXX XXXX  CA, Date of purchase : XX/XX/XXXX ( photo of original statement attached ) that is two days after opening account in NJ, and not even physically having card in my possession yet, it probably wasnt even shipped yet. On XX/XX/XXXX I called them for the first time ( screenshot of my date of call attached, that phone number is on their statements ) to report a fraud on my account, I was told they opened a dispute and I will receive something in the mail. I waited and waited till I received XXXX statement with same charges and some late fees on top ( unfortunately can not find that statement, but I have more as we move along ). I called them immediately upon receiving statement. I was told that no dispute was opened. I also was told that it was not fraud, it was charges from my original visit to TJX in XXXX ( In this case, where does the amount of {$290.00} come from? It doesnt even match either amount I was charged, with or without 10 % and why would it state XXXX XXXX XXXX California XXXX??? ). I told that person that I paid with my XXXX XXXXXXXX card, and have proof ( Bank statement also attached ), so she went ahead and opened the dispute, and I received a letter from Synchrony Bank, dated XX/XX/XXXX that they opened a claim ( photo of original letter attached ). Shortly after I received another statement with a balance of {$290.00} and $ XXXX waived late fees ( I suppose it was for the time the dispute was open, photo attached ). And then I received another letter from Synchrony Bank, dated XX/XX/XXXX ( I didnt receive it in the mail till the end of the month ) stating that I have 20 days to provide prove of my payment from another institution ( photo attached ). I called the bank throughout several times with zero help, so I anticipated no positive outcome and took a picture of my dated letter XX/XX/XXXX with prove of my payment ready to be mailed. Here is the only time the Synchrony bank is not at fault they did mail me resolution ( I have USPS informed delivery in my email box with photos of mail coming up, I saw mail from the bank 2 weeks ago, but never got it from post office ). But they should take this cases in consideration when calculate 20 days for dispute, it is especially frustrating that I DID NOTHING, but have to send them proof for their XXXX XXXX  They offer no electronic communications, fax or mail only. Nobody has fax machine anymore, USPS offers terrible services. Anyway, I called the bank today XXXX to find out whats going on, they told me my case was closed on XX/XX/XXXX, they decided that I am responsible for their XXXX  charges I never made. I request this review to be public, I curse the day I signed up for their rewards. STEER CLEAR FROM SYNCHRONY BANK. THEY ARE FRAUD!