Consumer complaint received 2017-07-13 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: CA

Complaint narrative:
A brief history I will attach a letter to clarify what I wrote to Synchrony Bank. I filled out an on line survey for XXXX about XX/XX/XXXX. After completing the survey I was notified that I was eligible for a free gift. I was given a choice of gifts to choose from. I selected XXXX XXXX XXXX. I was asked to provide a credit card for the purposes of paying for shipping. I provided my TJX Rewards card. I filled in all the information required including my expiration date on the card and security code.
Within a few hours I began receiving marketing calls for me to purchase more products. I questioned how they got my phone number and then I blocked the calls.
On my XXXX statement I saw charges for XXXX two charges one for {$98.00} & XXXX. I contacted TJX Rewards put in a dispute verbally. First, I received a letter notifying that they had received a dispute. Within the allotted 60 day time frame I received a confusing letter from Synchrony Bank dated XX/XX/XXXX. I did not understand the letter, I called my credit card company. I understood from the conversation I had with the representative that the charge had been removed.
Before seeing the charges on my credit card XXXX XXXX XXXX had sent me a package with two bottles of skincare products. I took them as my free gift. Then I began receiving packages from XXXX XXXX XXXX. I returned all packages to the Fulfillment Company unopened with notification to have them stop sending me the packages. Finally I sent a certified letter to the Fulfillment Company to stop sending me these packages on XX/XX/XXXX. I received an Cancellation Notification email reply dated XX/XX/XXXX from XXXX XXXX. I have received a Refund order Notification from XXXX dated XX/XX/XXXX. The XX/XX/XXXX refund states ordered on XX/XX/XXXX. The XX/XX/XXXX cancellation states ordered on XX/XX/XXXX. I am suspect that this Company is fraudulent in all of its activites.
More importantly, TJX Rewards Synchrony Bank is complicit with this fraud. After my original complaint they continued to allow charges from XXXX. Originally I was told by a consumer credit card representative to file a complaint with the Consumer Protection Agency. I did the reference # XXXX. At the same time I also sent a letter to Synchrony Bank outlining the details of all the charges I was disputing. When I called CPA because I did not get a response to my letter I was told by a representative that CPA does not do investigations unless they receive several complaints. I was then told to contact you regarding Synchrony Bank. I waited to see what the decision was prior to contacting your agency. I was given credit for three charges on my account. According to my calculations I am due credit for {$680.00} charged to my account. I have received miscellaneous adjustment for {$300.00} on my current bill. I believe this adjustment came from me making direct contact with XXXX, in which I received a follow up message that I would be receiving a refunded for three charges. Therefore, I can conclude that Synchrony Bank has actually done nothing to protect my account from being charged. I will withhold the subtracted difference from my payment of {$370.00} from my payment until this matter is resolved. I will inform Synchrony Bank in writing of this fact.
I have all copies of letters and charges associated with this complaint to verify all my attempts. I have been given misinformation by TJX rewards customer service personnel. Additionally, I have made efforts to resolve the charges by contact XXXX and to stop the deliver of their product. Even after I received the XX/XX/XXXX Cancellation Notification email and tried to resolve the charges on the phone on XX/XX/XXXX and after my certified letter was received. I STILL RECEIVED THE PRODUCT IN THE MAIL in XXXX XXXX, which I returned. I cancelled my credit card on XX/XX/XXXX I have a confirmation # XXXX because I am fearful that I will continued to be charged.
XXXX XXXX TJX Account XXXX XXXX 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