Consumer complaint received 2025-07-17 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: WV

Complaint narrative:
On XX/XX/XXXX I noticed that my XXXX account had been hackef. There was a charge for over XXXX pending at XXXX that I had not authorized and I scrolled through my transactions and saw on XX/XX/XXXX at {$850.00} had also been charged on my account and the product showed delivered to an address XXXX minutes from my house. I dont know anyone who lives in that town and so it alarmed me. I tried turning in a dispute but XXXX said to contact XXXX. I called them and they said since it was paid for with my XXXX  credit I had to contact XXXX. I turned in a dispute for fraud to which within XXXX hours they closed the case saying they sided with XXXX because the product was delivered. I called XXXX and tried to turn in the dispute as fraud and they said all I could do was say the product was not delivered. I told them I never ordered it and I would not say that. I talked to XXXX people there up to a supervisor arguing that this was a case of fraud, I didnt order it or give my permission for this person in XXXX XXXX use my account. They used my name and added an address same day they ordered and deleted it after the purchase. I told them that should be suspicious to them. I had old addresses dating back XXXX  years on my account, why would I add an address and delete it same day? Why would I order something for myself when I live XXXX minutes from the address this product was sent too? They did not care and said all they would do is dispute with XXXX saying I didnt receive the product. A few days later I lost the dispute again because XXXX had a picture of the product delivered on that persons porch. First of all, u can prove its not my porch by pictures and second of all u had not bought something from XXXX online in so many years I could not remember. I called XXXX to see if they could help me and she told me some bogus accounts were open in my name and it was an XXXX  that was bought and there was another XXXX in my cart. I told her to take it out and to close all of my accounts immediately to which she said she did. I then called the police here in XXXX XXXX on XX/XX/XXXX ( I had called XXXX and they said I had to call my local police ). I told them what happened and filled out a police report to which I sent to XXXX XXXX XXXX by email. XXXX. When I told him it had been delivered to the address on XXXX XXXX in XXXX, he said he was familiar with that area and it was not a good part of down so he was not surprised by the theft. As of right now I have not heard anything, but plan to follow up. I then disputed with XXXX  decision telling them I did not order that product and had filed a police report proving that I am fine with them arraying whomever is at that address. I dont know then and they stole from me! They reopened the case. Just this morning I saw that XXXX is closing it siding again with XXXX stating that it is consistent with my shopping habits. I have never bought something from XXXX  or have not in so many years I cant remember when I last shopped at XXXX. Any other purchases I buy through XXXX have not been in the XXXX range except for paying for XXXX  type places. I have bought plane tickets with them but usually never hit more than {$500.00}. There was a fradulent charge to an electronic store purchased the same day as XXXX for XXXX but thank heavens that showed refunded same day. I am thinking it was because I did not have enough credit left. I pointed this out to XXXX also and the XXXX charge to XXXX that is still showing pending on my account but I have no way of cancelling it. There has to be a way to fight XXXX. It is not fair to trust them to protect us and then when I needed it, they wont do it. Please help me know how to fight XXXX. I am working to pay off my account with them and will be closing it down. I have not made XXXX purchase with them since I started all of this on XX/XX/XXXX. I asked the fraud depart to freeze my account which I believe that they did. Please help me know what I can do to get resolution for this fraud on my account. Thank you so much for your help.

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