Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had us apply for credit through XXXX for zero per cent interest for 60 months. XXXX allows the merchant to be paid in full, in advance of a binding contract between the parties for work to be done. I was unaware that upon the approval of our loan on XX/XX/XXXX, that XXXX would be transferring the full {$50000.00} to the merchant ( {$25000.00} for an account for me and {$25000.00} for an account for my husband ) the next day. The merchant received the full amount of the loan of {$50000.00} on XX/XX/XXXX and as of today, XX/XX/XXXX, NO binding contract existed, NO work has been performed and the merchant has not returned one penny of our money. Through many failed attempts with this merchant, we had to file a civil suit in XX/XX/XXXX with the XXXX XXXX Supreme Court and the case is still open. We received a summary judgement on XX/XX/XXXX where the court determined there was no valid contract and keeping our money was unjust enrichment. However, the court did not grant the return of the full amount of {$50000.00} plus 4 years of interest, but sided with the merchant that only {$42000.00} was received based on questionable documentation submitted to the court by XXXX that is in direct conflict with Synchrony account statements and feedback from XXXX managers. I have never missed a loan payment in 4 years and still have {$7000.00} remaining balance due for the XXXX loan accounts for myself and my husband with XXXX. I had hoped for justice and truth to prevail. In the court of law, justice and truth are NOT one in the same. So today, I have placed a dispute on the 2 loan accounts with XXXX and will not continue to pay {$830.00} each month for both accounts. Someone is lying - either XXXX is defrauding the court with false documentation of receiving XXXX funds from our 2 different accounts or XXXX did not transfer the {$50000.00} as advertised during the loan application process and their documentation. CFPB has received this very same complaint for this same merchant for their loan application scheme with XXXX on XX/XX/XXXX. Regardless of the XXXX of complaints and negative reviews across XXXX XXXX XXXX  XXXX, XXXX, etc. I ask for your help to ensure XXXX does not continue to favor XXXX when disputes are filed. I hope with your assistance that XXXX will do the right thing since I have paid {$42000.00} on these loans to date. This same merchant made false claims of labor and materials purchased to try to justify the keeping of our money but I never selected any counters or flooring for the kitchen project that started this whole mess. We subpoenaed the vendors for the real documents and it is now a matter of public record that the evidence submitted to the court by XXXX is fake for XXXX XXXX  XXXX # XXXX and for XXXX flooring Invoice # 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 explanation