Consumer complaint received 2017-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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
State: CA

Complaint narrative:
A transaction made on XXXX/XXXX/XXXX by XXXX XXXX XXXX in the amount of {$3100.00}. After realizing and finding out that this company is fraud, the owner XXXX XXXX is not licensed contractor, I decided to cancel the job. Initially when we started the estimate, we were told by the owner XXXX that they have a contractors license. When I found out he has been lying and changing his words, I made a dispute and asked him to cancel the job. I have enclosed a copy of my statement and circled the disputed charge. I dispute this charge because this company has record of doing the work incorrectly, and when requested to a refund we were denied. He did n't want to give us a refund, nor finish the job, and instead changing his words on his " so-called company policy '' on restocking fee.Which he keeps changing the numbers. The owner XXXX has been lying and not completing the job as agreed. 

When I asked him to cancel the job XXXX stated on XXXX XXXX, XXXX " I have already paid for the granite material for the counter top and other materials for the job ''. When I contacted his guy via telephone XXXX, he said that all materials were returned back to manufacture and no fees were charged and no money was paid to him by XXXXXXXX and nor did he ( XXXX ) charge XXXX for any money. I asked XXXX if all of the materials have been cut, since XXXX stated to my husband and I that all materials have been furnished and cut that is why he can not give us a refund and he will be charging a restocking fee.XXXX  explained no materials were cut or started since XXXX told XXXX the job was cancelled so XXXX returned the materials. 

We have tried to contact XXXX by email and phone calls.Please see attached emails. on XXXX XXXX, I called XXXX and over the phone he stated that he cant not return my deposit of {$3100.00} because of all the materials were bought and cut and ready to install. And because I wanted to cancel the job he wanted to charge a restocking fee of 15 % ( is what he told me over the phone ). XXXX then changes his words and tells my husband that he will continue the job on XXXX XXXX, XXXX as all of the materials are ready to go. XXXX then asks my husband to email him and in the email ( see attachment ) that a portion of the deposit will be returned and they will be charging a 30 % restocking fee. XXXX then provides his credit card company with a written statement that his company has a policy and they will charge 25 % ( when the dispute was made first time ). XXXX is full of lies as nothing is making sense. He has also added word the words " all sales final/no refund '' to a contract that I signed and at the time of signing those words were not there. This a fraudulent company that is taking my money for work that has NOT even been started. His guy has already claimed that materials were all returned and no money was taken. 

It is also illegal for a contractor to charge a huge amount of the total amount from his customer. The contractors state license board has stated that " a contractor cant demand or accept payment for work or materials until the work is actually done or the materials are delivered. The down payment may not exceed {$1000.00} or 10 percent of the contract amount, whichever is less ''. And as a homeowner I have the right to cancel my job.

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 monetary relief