Consumer complaint received 2026-01-28 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: VA

Complaint narrative:
On XX/XX/year>, Synchrony Bank ( PayPal Credit ) committed a severe administrative billing error during a requested adjustment for a promotional financing offer. Instead of applying the appropriate credit/financing terms to a previous purchase, the system applied XXXX  ( XXXX  ) identical debit adjustments of {$1600.00} each to my account. 

These were not authorized transactions or purchases ; they were internal accounting errors. These XXXX duplicate adjustments totaled {$13000.00}, immediately driving my account balance to {$16000.00}. This has left my account {$11000.00} over my credit limit. 

Timeline of Events : XX/XX/XXXX : Errors occurred. 

XX/XX/XXXX : I discovered the error and immediately reported it to PayPal Credit/Synchrony Bank . 

XX/XX/XXXX : Customer service acknowledged the system error and promised a resolution within 14 days ( by XX/XX/XXXX ). 

XX/XX/XXXX ( Current ) : No corrections have been made. The bank has failed to issue a temporary credit despite the magnitude of the error. 

Impact and Harm : The bank is currently reporting a balance to the credit bureaus that is 300 % over my credit limit. This has caused an immediate and significant drop in my credit score, resulting in the denial of other credit facilities and financial harm. The negative impact on my credit profile has been immediate and extreme. Since these unauthorized duplicate adjustments were reported, my XXXX  score has plummeted XXXX points ( from XXXX to XXXX ) and my XXXX  score has dropped XXXX points ( from XXXX to XXXX ). 

This XXXX drop on XXXX  has moved my credit standing from 'Excellent ' to 'Fair/Poor ' overnight, solely due to Synchrony Bank reporting an erroneous {$11000.00} XXXX balance. This is not a minor fluctuation ; it is a catastrophic reporting error that has frozen my ability to access credit and has caused me significant financial distress. I am now being flagged as a high-risk borrower by other institutions because of a system error that Synchrony Bank has failed to correct within the timeframe they promised. 

By failing to correct this obvious " Billing Error '' ( as defined by the Fair Credit Billing Act ) and allowing inaccurate, damaging information to persist on my credit report, the bank is in violation of the FCBA and the Fair Credit Reporting Act ( FCRA ). 


Note on Balance Discrepancy in Attachments : My current account balance is {$14000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). This figure reflects the XXXX ( XXXX ) erroneous adjustments of {$1600.00} each, minus a separate refund for the original purchase that was recently processed by the merchant. While the merchant has corrected the original charge, the XXXX unauthorized adjustments made by Synchrony Bank remain on the account, leaving me {$9300.00} over my credit limit. The core of this dispute is the {$13000.00} in duplicate internal adjustments that Synchrony has failed to reverse.

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