Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid 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: FL

Complaint narrative:
This is in reference of my case # XXXX currently open. Today XXXX. 
response to letters XXXX / XXXX / XXXX ( XXXX ) / XXXX / XXXX / XXXX/ I had been responding to each XXXX of your letters through out the XXXX, explaining and clarify the results of each questioned asked on your letters. 
I had received your letter dated XXXX, XXXX XXXX said said that now Synchrony Bank received my payment of {$3300.00} on XX/XX/2022 and applied to my accountant XXXX. You had also said that my payment was unpaid by my bank, and the payment were reversed. This is impossible ( XXXX XXXX XXXX XXXX has no record of it ). 
I went to my Bank XXXX XXXX XXXX XXXX, here in XXXX at the XXXX XXXX XXXX location. On XXXX The office issue me the attached documents I sent them on my prior attachments ). I was told by XXXX, that this claim its not 100 % correct there's no records of any translocation on this dates ( For this amount ). These payments or any of the records claimed on your letter never appear on my bank records. 
As I had mentioned prior, This his is the store error and mistake ( I strongly believed ). This never existed and never took place the way XXXX claimed to happened. This is exactly the reason for me to request a 100 % investigation on my account, My account has too many errors and now XXXX want me to pay for it. I had also sent a copy of {$800.00} XXXX XXXX payment that was never annotated on my account. Please see the attached documents. 
Payment for {$800.00} XXXX # XXXX dated XXXX.. total amount cash {$800.00}. 


I, as a customer find myself obligated to prove to XXXX XXXX Synchrony Bank some error - made up by the store. Something being claimed as - We received your payment in the amount of {$3300.00} and applied it to your account on XXXX. On XXXX The payment was returned unpaid by your bank : the payment was reversed. How can I prove to your institution something that never existed. 

Synchrony Bank XXXX XXXX could make this again and again, and telling me that I owe Synchrony Bank XXXX XXXX specific amount at any given time. And I will find myself again incapacitated to prove it.. I would like to come to the end of this issue, I'm willing to paid off my current balance immediately. As I had previously mentioned, Please review my account, I will never let me balances get high. 
Im a retiree and I do not make mucho money, This bill will cause me tremendously imbalance on my budget. 
Im asking Synchrony Bank to please please review my records, ready my letters. Look I had mentioned about this payment above, Why this payment its not reflected on my account?. 

Because its impossible to me to prove this issue, reason why : I trusted XXXX accounting holding and management. Look at my records, not only from XXXX but from any other credit card. I usually make payments cash, but I had not receipts of it. 

Synchrony Bank XXXX XXXX keep saying that my payment was returned due to the bank reversed my payment. Is there any records of it? So I can bring it to the bank. I consider this the correct way to support your institution claim .. We received your payment in the amount of {$3300.00} and applied it to your account on XXXX. On XXXX The payment was returned unpaid by your bank : the payment was reversed. if this in fact took place, somewhere some how it must be a record of it. 

Once again I had received another check back from your institution check # XXXX amount {$430.00}. I make payments and my money its sent back. 

Please lets investigate this issue. Let me know my correct and final balance and I will be glad to cover to correct amount due to your institution. Im asking you please lets be fair. 
Not only Investigate my bill, but the store errors. Store errors where the beginning of all this issue. 



Thank you for your help and support on this matter. 
Respectfully XXXX XXXX

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