Consumer complaint received 2020-10-19
Product: Credit card or prepaid 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 (FL)

Complaint:
As far as Store Credit Cards go ... are there specific regulations controlling the immediate payment from Synchrony Bank to an AC company ( XXXX ) for the full amount of {$6600.00} before the installation even occurs? This means that I am expected to start making payments towards this amount immediately - a mere few weeks later when there have been and still are continued, ongoing unresolved problems re installation, technicians arrive angry and defensive during consumer follow up visits when things go wrong and need to be corrected, total lack of communication between companies employees, angry techs that visit again me due to install problems they themselves created, misleading information provided to consumer from company,  companies installed XXXX system did not pass inspection for XXXX and has not once contacted me re this failed inspection, company withholding warranty from consumer in spite of continued requests where is my warranty and why do they not provide me with a warranty?! Why would a financial institution pay a company before the consumer is completely satisfied, the system is working correctly efficiently, passes inspection, employees are helpful and communicative and are there to resolve any problems or issues for as long as the warranty is held, consumer has said warranty, why pay this company {$6600.00} before they even pass inspection.. or before they even install it? Not sure the exact day XXXX got their full payment but it was probably the day I was approved for this loan, before they came to install it. Most other company always leave you with a warranty the day they arrive but not this one. Arent there any regulations about this? Why is a consumer expected to begin payments to bank, the company has already been paid in full and they dont care about the consumer or the way theyre treated that has to begin payments, why should they when theyve already been paid? I brought all this up to Synchrony Bank and they inform me they put $ {$6600.00} in dispute BUT ... I havent heard  anything about it since I initially called- XXXX except an email I received today XX/XX/19 from Synchrony saying the dispute was RESOLVED on XX/XX/XXXX??? This was of course a no reply email so I couldnt reply back about it but it was very disturbing to hear it was resolved already? How could this be?? Im wasnt asked to send anything, I wasnt told what the resolution is, how could it be resolved without including ME, the consumer? I also had to call Synchrony regarding a problem with my credit report few weeks ago they caused after promising me this dispute would not cause marks on my credit, late fees, interest charges, etc but yet I was- Synchrony charged me late payment fees, weird statements saying my balance was now another {$60.00} owed now, they promised I didnt have to make any payments during dispute, Im very concerned how this dispute wont work in favor of consumer, not sure it ever does. Im hoping this dept will assist me in enforcing any laws that fall under Consumer Protection Financial institutions, in PROTECTING THE CONSUMER, has  Synchrony withdrawn their payment to XXXX, why would this company ever wish to resolve a dispute if theyve already been paid? Why would they care? What is dispute rules in favor of this business even tho they havent passed inspection and I have no warranty? Then Im left having to make payments anyway and my credit is destroyed from Synchrony and XXXX company that cant pass inspection, no warranty, sends out angry technicians that blame consumer for their failures. Then what? How can you help me exactly here? I recently filed a complaint against XXXX  of Florida here as well and dont wish to read their reply since Im sure there are no consequences for them. Its just a reply and its their choice to reply or not. Same goes here for Synchrony - if no reply - then what, not sure what the actual advantage is here for a consumer like me.

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