Consumer complaint received 2025-01-23 00:00:00
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
State: FL

Complaint narrative:
In XXXX of XXXX, I overpaid my XXXXXXXX XXXX XXXXXXXX Synchrony credit card ending in XXXX by {$50.00}. From XXXX to mid XXXX I reside with my daughter in WI. During this time I do not see my statements since they are delivered to my Florida home all year. I have received late fees, in the past, for not paying my membership fee in time because I haven't seen the statement with it. For this reason I overpaid by the amount required, {$50.00} for membership. So from XXXX until XXXX I had a credit of {$50.00}. In XXXX, the card was used again, since I now returned home, and the {$50.00} was applied to the new balance with a statement requesting the difference. 
The problem is they placed a charge for membership on another XXXX XXXX  XXXX Synchrony credit card that they had sent me. The card was never activated or used. Seeing the statement for this new card ending in XXXX, I called. I spoke to XXXX on XX/XX/XXXX at XXXX XXXX CST. I explained to her that this card has never been activated or used. When I enter a XXXX XXXX XXXXXXXX and they ask to see my Membership card, I always show them the original card ending in XXXX. When I checkout, I always use the original card ending in XXXX. I explained to her I do not want the card, have never activated this 2nd card, or used it. I ask that since it wasn't activated they close the account and apply a payment to my ACTUAL XXXXXXXX XXXX XXXX card that I always use. I gave her my bank routing numbers so they would receive an instant payment for the {$50.00} XXXXXXXX XXXX XXXXXXXX membership. 
On XX/XX/XXXX, I found out they did not show the payment and again were asking for the {$50.00}. I called them and again gave my checking account routing numbers AGAIN so they could receive payment for the membership. The person I spoke to seemed competent in her job because I was told the transaction was successful and she gave me a transaction # XXXX. I expected the matter settled and taken care. 
On XX/XX/XXXX, I called again and spoke with XXXX, employee ID # XXXX. I asked why I am still receiving statement and request for money on the CLOSED account ending in XXXX. I was told they were seeking late fees. I asked how they could place charges on an account that was NEVER ACTIVATED or used. She said I would have to dispute the charges. I told XXXX that I am not disputing the {$50.00} membership fee since I tried to pay it 3 times already. I am disputing them putting a transaction on a card that was never activated or used. She said XXXX XXXX XXXXXXXX placed the charge on my card. Again I asked how they could use a card NEVER ACTIVATED to make the payment. This card was never used in association with my XXXXXXXX XXXX XXXXXXXX Membership or payments of any kind. Any membership fees should always be applied to the card associated with my membership for the past 16 years!

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