Consumer complaint received 2026-03-23 00:00:00
Product: Credit 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: UT

Complaint narrative:
On XX/XX/XXXX, I paid {$1400.00} to XXXX XXXX XXXX for career services advertised as resume creation based on my real experience, career advisory, and technical training. On XX/XX/XXXX, XXXX delivered a completely fabricated resume listing me as employed at XXXX companies I have never worked for ( XXXX XXXX and XXXX XXXX ), with over XXXX technical skills I do not possess, and fabricated project details. They also provided interview coaching scripts designed to help me lie about this fake employment. The only way to use what they delivered is to commit employment fraud. On XX/XX/XXXX, I explicitly told XXXX in writing that I do not know the technologies they listed. I refused to use the fraudulent resume. On XX/XX/XXXX, I requested a refund. XXXX refused, citing a " no refund '' policy. Their representative implicitly acknowledged the fabrication and pressured me to accept it, stating " this is the only way to get a job. '' I sent a formal legal notice on XX/XX/XXXX. No response. I filed XXXX billing disputes with Synchrony Bank : Dispute XXXX ( XX/XX/XXXX, Claim # XXXX ) : I submitted XXXX pages of evidence including the fabricated resume, my real resume, screenshots where I told XXXX I do not know the listed technologies, and screenshots where XXXX acknowledged the falsification. The merchant provided a contract with a " no refund '' clause. Synchrony denied the dispute on XX/XX/XXXX, stating " no evidence of a billing error. '' Dispute XXXX ( XX/XX/XXXX, Claim # XXXX ) : I reframed the dispute as " item not as described '' with additional evidence. Synchrony denied it on XX/XX/XXXX with identical boilerplate : " no evidence of a billing error. '' Dispute XXXX ( XX/XX/XXXX, Dispute # XXXX ) : I called Synchrony and verbally described new evidence including a XXXX XXXX XXXX incident report ( # XXXX ) classifying the offense as Fraudulent Agent with {$1400.00} classified as stolen property, an FBI XXXX complaint ( wire fraud ), a Wyoming Attorney General complaint, and the merchant 's own written refund guarantee from XX/XX/XXXX. No written documents were submitted by me and no new documentation was exchanged between Synchrony and the merchant. Synchrony did not request copies of any of these documents. Synchrony denied this dispute on XX/XX/XXXX, again citing " no evidence of a billing error. '' Across XXXX disputes over XXXX months, Synchrony never addressed the fraud evidence, never referenced the police report or FBI complaint, and never explained why a " no refund '' contract should override documented fraud. Under 15 U.S.C. 1666 ( b ) ( 3 ), goods or services not delivered in accordance with the agreement constitute a billing error. Under 15 U.S.C. 1666i ( a ), the card issuer is subject to all claims and defenses from the transaction, including fraud. A " no refund '' clause does not immunize a merchant from fraud, and therefore can not shield the card issuer either. Under 12 CFR 1026.13 ( f ), Synchrony is required to provide a written explanation stating why it believes the alleged error is incorrect. Synchrony provided only boilerplate. The merchant, XXXX XXXX XXXX, is registered at a Wyoming XXXX address used by thousands of companies. Their employee emails route through servers in XXXX. The XXXX Police Department XXXX noted that " most of these fraudulent businesses are believed to start overseas. '' Synchrony sided with this entity three times based solely on a contract.

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