Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I am filing another complaint to formally raise a serious concern regarding a FRAUDULENT CHARGE that has been added to my account in connection with a purchase I made at XXXX XXXX store, located at XXXX XXXX XXXX, XXXX, Texas XXXX. 

It has come to my attention that a charge of {$430.00} including tax was placed on my account for an item, which is a MATTRESS PROTECTOR was explicitly provided to me as a FREE GIFT at the time of purchase. Even more concerning, I have since discovered that XXXX XXXX store submitted an invoice to SYNCHRONY BANK-the credit issuer, containing a FORGED VERSION OF MY SIGNATURE, falsely authorizing a charge for the item, despite it being given as a FREE GIFT at the time of purchase. Again, I did not approve or sign any document alllowing for this additional charge, and I consider this action to be both unethical and potentially fraudulent. 

I also would love to file a complain about SYNCHRONY BANK, WHICH IS THE STORE CREDIT ISSUER for their poor and biased investigation regarding my concern despite multiple disputes. I have filed multiple disputes since XXXX, XXXX  up to now with SYNCHRONY BANK and submitted all necessary documentation by uploading, physically mailing and faxing to support my claim, including the sale invoice with had all the items and the total dollar amount, which is {$3300.00} including tax that I agreed to buy at the time of purchase along with all the call and text history between me and Ashley furniture customer service regarding the concern. 

Despite this, each of my disputes has been rejected without adequate consideration of the evidence provided. It appears that the sale invoice from XXXX XXXX furniture-with the FRAUDULENT SIGNATURE-has been given more weight than the evidence I have submitted. 

This situation is extremely distressing, and I am disappointed in how my concerns have been handled thus far. The mishandling of this dispute and the continued reporting of this FRAUDULENT CHARGE on my credit account is not only unjust but could also have legal implications due to the use of a FORGED SIGNATURE. 

I request the following actions be taken immediately : 1. A full and fair re-investigation of my dispute, with proper consideration of the documents I have submitted.

2. Immediate removal of the FRAUDULENT CHARGE from my account.

3. A written confirmation that this issue has been resolved and will no longer affect my credit report. 4. A confirmation that this incident has been investigated thoroughly and steps are being taken to ensure it does not happen again.

5. An explanation as to why my previous disputes were ignored or dismissed without fair review.

If this matter is not resolved promptly, I will have no choice but to keep escalating the issue to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), credit reporting agencies, the XXXX XXXX XXXX XXXX XXXX XXXX, and potentially seek legal counsel for the forgery and fraud and mishandling of my case. 

Please treat this as urgent. I expect a response within 14 business days from the day of this complain, XX/XX/XXXX. 

Please also see attached files for AGAIN the original Sale invoice-hard copy with my real signature and my state ID for comparision. Please pay attention to the timing the invoice was created, as well as the ITEMS and the DOLLAR AMOUNT on my invoice versus the invoice with the FRAUDULENT SIGNATURE.

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