Consumer complaint received 2024-08-06 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: VA

Complaint narrative:
I have spent over a year calling what I thought was PayPal. Only to find after getting in touch with you and getting what was said to me in XXXX a courtesy call from a man by the name of XXXX telling me I was not responsible for the computer and it was identity theft and they had turned it over to Synchrony Bank. Then all of a sudden I find the whole time the fraud dept I have been working with is synchrony bank. Which is where I was sent when the computer showed up on my statement. Now if it is imperative to have these documents please notify me. I am not that great with electronics but I will have someone help me and get the stuff you need like police report XXXX account affidavit from XXXX XXXX the fraud investigation form I filled out a year later for I guess synchrony bank. I would have done it sooner except I never received one. I called every. Month sometimes 2 times a month checking on the situation if the investigation only to find out a couple several months ago the computer came to my home supposedly. We were under the impression it went to either a XXXX or XXXX where the other packages were being rerouted to. So I went to XXXX and got the info for all parties involved and did a police report. Including it in my information. Synchrony Bank has all this information if they have 0 o/o liability and can see at the time my identity was compromised I have been running around doing all the leg work faxing mailing spending the money. Doing police reports how else do u prove that u do not have something. I have even signed my name on affidavits through XXXX we have done limited power if atty FTC Identity victims Complaint Copy of letter from financial institution, limited power if atty. I asked PayPal who I thought I was dealing with not synchrony bank they called me on Fri the XXXX she said they had no relationship with PayPal and told me not to do another complaint. So at this time iam very confused. I opened a PayPal account I thought. I guess I am in. Battle with Synchrony Bank. PayPal says they r going back to listen to the call from XXXX in XXXX because he said I wasn't responsible but if they rnt associated with synchrony bank why r they going back to listen to the call. She called Fri the XXXX her name was XXXX I gave her his name the date the phone # and location of where where he called from if they rnt associated with synchrony why would she worry about what he said. She said he was from her location. He told me as far as they were concerned it was identity theft and was turned over to synchrony. I told him thank you. Can you send me that in writing he said he would. I never received anything as usual. And I told her that and it's on her recorded call. And she asked me not to get ahold of you again because she needed to do her report this was synchrony banks problem and I should have reported it to pay pal first which is who I reported it to first. But they sent me to the # I have been calling all these months getting this run around. So it's my fault and the number is synchronys fraud dept ( XXXX ) XXXX. Synchrony doesn't say it's PayPal or pay doesn't say they r sending you to the bank. Now it's my fault because I didn't go to the right place 1st.

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