Consumer complaint received 2025-02-14 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: ID

Complaint narrative:
XX/XX/year>, I purchased a XXXX  queen sized XXXX from a company, XXXX XXXX XXXX, In XXXX XXXX ID, XXXX. It was a charge of {$980.00}. The day of purchase I signed up for a credit card through them with Synchrony Bank for one of their Synchrony Home credit cards. This Credit card has not been activated to this date of XX/XX/year> to my acknowledgement. although it has not been activated the card 's details allow me to log into my Synchrony Home app I have on my mobile device. This app shows me details about charges and payments but nothing else ie. personal information such as passwords or emails, any credit card information such as the number or cvv. I would like to Note on XX/XX/year> I paid {$180.00} to my Synchrony Home account to bring my balance from {$980.00} to {$800.00} even. On the date of XX/XX/year> I discovered a transaction was reported on my Synchrony Home app for a charge of roughly {$4100.00} on the date of XX/XX/year>. This was odd for many reasons. A. ) It was charged from XXXX XXXX XXXX. B. ) I have not activated my credit card or used it ever. C. ) this charge was greater than my credit limit and I was not informed about this charge by Synchrony Home or any affiliate. After I found this excessive charge on my account on the day of XX/XX/year> I immediately called Synchrony bank, at XXXX XX/XX/year>, via XXXX ( XXXX ) XXXX, I was transferred to a Synchrony Home acociate and the transferred to their fraud department. The call was recorded by their company. I was assured the fraudulent claim was being filed and investigated starting today and it could take up too 6 months to finish the investigation, I was also assured the payment would be paid by them and that I was not liable for the payment. I then called XXXX XXXX XXXX XXXX  XXXX, at XXXX XXXX XX/XX/year>, via XXXX ( XXXX ) XXXX and was put in contact with XXXX. He was very helpful and according to him there was no other transactions made on m account other than the mattress purchase made XX/XX/year>. He informed me that he was going to reach out to the companies corporate side to see if there have been any suspicious activity from my account anywhere on their records, and that once they reached back to him he was going to call me back. I received a call back from XXXX, at XXXX XXXX XX/XX/year>, and he relayed that their systems show XXXX other purchases on my account and that they have no records of {$4100.00} dollars being transacted. I have yet to hear anything from any source and since then my synchrony account has been disabled and I am awaiting a new card to create a new account so I may pay off XXXX  XXXX XXXX the {$800.00} they are still owed and not {$4900.00} synchrony has posted. This absurdity is further pronounced by the fact my credit limit with Synchrony Bank/Home is {$2800.00}. I would like to restate I did not receive any notification of this transaction and this transaction was approved even though it exceeded my credit limit of {$2800.00} by {$2100.00} dollars!

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