Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
b'Company\n\nSynchrony Bank (issuer of TJX Rewards Platinum Mastercard)\n\nProduct\n\nGeneral-purpose credit card\n\nAccount(s)\n\t\tTJX Rewards Mastercard ending XXXX (original)\n\t\tSuccessor account ending XXXXConsumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWhat happened\n\nI was only an authorized user on my mothers TJX Rewards Platinum Mastercard (Synchrony Bank). The original account number was XXXX XXXX XXXX XXXX and Synchrony later issued a successor number ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charges posted to XXXX XXXX XXXX XXXX for emergency legal services related to my eviction matter. Synchrony confirmed the two transactions during a XXXX XXXX XXXX customer-service call and also confirmed I was still an authorized user at the time.  \n\t\tSynchronys records show I was removed as an authorized user on XXXX XXXX XXXX  at my mothers requestXXXX XXXX XXXX XXXX statement reflects the account being reported lost/stolen and a successor account endinXXXX XXXX  with a new balance oXXXX XXXX     \n\t\tAfter my removal XXXX, Synchrony continued furnishing the tradeline in a way that impacts my credit file (utilization/history) as if I were responsible, even though authorized users are not liable under Synchronys TJX account agreement; liability belongs to the accountholder(s).  \n\t\tRelated court records XXXX XXXX XXXX XXXXXXXX  Case No. XXXX later characterized these card charges as part of financial abuse of my mother; Synchrony was listed as a creditor. XXXX restraining order entered XXXX XXXX XXXX  \n\nI am not an accountholder. I was an authorized user who was removed on XXXX The continued reporting after that date is incorrect and is harming my credit.\n\n\n\n\t\tI called Synchrony on XXXX XXXX XXXX, which confirmed the two XXXX  transactions and my authorized-user status at that time, and confirmed mXXXX XXXX XXXXemoval.  \n\nTJX Rewards Platinum Mastercard accounts ending in XXXX  and successor XXXX  were issued by Synchrony Bank to XXXX XXXX XXXX as accountholder(s). RespondenXXXX XXXX XXXX XXXX was an authorized user only. Under the TJX Rewards Credit Card Account Agreement, accountholders promise to pay all amounts owed and are responsible for charges by persons they allow to use the account; authorized users are not obligated on the debt. See 12 C.F.R. 1026.12 and Official Interpretations; CFPB authorized user guidance. Accordingly, XXXX XXXX XXXX  is not liable to Synchrony Bank for any balance on the accounts ending in XXXX or XXXX. (This finding is solely about issuer liability \n\n1.\tI was an authorized user on my mother XXXX XXXX XXXX  TJX Rewards Mastercard (Synchrony Bank) originally ending XXXX, later linked to successor XXXX (Ex. A: Synchrony Authorized Users page showing my name and Active XXXX XXXX XXXX my authorized-user access was removed at my mothers request. The XXXX XXXX  statement notes the account was reported lost or stolen and that a new account number would be issued. (XXXX XXXX XXXX XXXX  statement notices.)  \n\t3XXXX XXXX XXXX statement for account ending XXXX shows a New Balance of XXXX XXXX XXXX XXXXtSynchrony customer service confirmed a XXXX XXXX XXXX  online charge to XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX call transcript.)  \n\t5.\tI was not an accountholder and never agreed with Synchrony to repay this debt. The Synchrony/TJX Agreement states accountholders promise to pay and are responsible for charges by anyone they allow to use the account. (XXXX XXXX Agreement excerpts.)  \n\XXXX XXXX XXXX Two online transactions for legal services were charged to the TJX Rewards Platinum Mastercard account.  A charge of XXXX  posted on XXXX and a charge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was listed as an authorized user, not the accountholder, when these emergency payments were made.\n\t\tXXXX The accountholder (my parent) instructed Synchrony Bank to remove me as an authorized user.  At the time of removal, the account still carried a balance of roughly XXXX  from those XXXX  charges.  Under the card agreement, the bank treats accountholders as responsible for the entire balance and states that if an accountholder allows another person to use the account, the accountholder is responsible for all resulting charges  .\n\t\tAfter removal: Despite the XXXX  removal, the balance continued to appear on my credit report as if I were liable.  Being an authorized user generally does not obligate someone to repay a creditcard debt , yet the tradeline still impacts my credit history and utilization.\n\t\tXXXX: I contacted Synchronys customer service to discuss the two February charges and asked for an investigation and copies of account documents.  The representative acknowledged I was still an authorized user at the time of the transactions and that I had been removed on XXXX  I requested billing statements, add/remove logs, and creditbureau reporting records, but those documents were not provided.\n\t\tTo date: Synchrony has not corrected the reporting or supplied the requested records.  This unresolved balance, stemming from transactions made for emergency purposes, continues to reflect on my credit despite my removal as an authorized user.'

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 non-monetary relief