Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
In XX/XX/year>, I purchased a mobility scooter from a company named XXXX XXXX XXXX through XXXX, XXXX $ monthly payments over two years being the agreement. It arrived XX/XX/XXXX. 

In XXXX 2025, I was informed that charges for the scooter would be billed through my Synchrony account ; something that I didn't understand as I did NOT have the available credit to make such a large purchase, having less than XXXX in credit on that account with Sync. I also held another Sync account associated with my Paypal, but even it only had about XXXX $ of credit line, a portion of it being utilized, as was a large portion of my Amazon Sync credit, so I didn't attempt to make the purchase with either of those accounts, being that the total amount for the item was XXXX XXXX 

I was given a XXXX month pay-off term, {$1200.00} being my monthly payment, which I never agreed to. Also, during this month, I was given a {$4000.00} credit increase to the Amazon Sync account ; I did not request this, but also am aware that if one is doing well with their account, credit increases can be granted '' ... which is what I was told by Sync through the XXXX  XXXX. 

During this time, I also discovered the Mobility Scooter to be dangerous and in dire need of repair, proof of which I submitted to Sync, and am pursuing at this time with that company as well ( Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 ) & state law Implied Warranty of Merchantability ). I have spent XXXX $ in order to bring the thing to usable and not deathly. ( I have video of these issues ). It was advertised and purchased as new. 

I made a complaint, calling them, and was told they would never do payments in such a way, I disputed with XXXX, and was told it was my mistake, but, as it seemed that the issue was also going to be resolved, I went forward attempting to work it through with Sync, but : A. ) They closed both my Amazon Sync account, and the Paypal one, even though I have paid on time, over the minimums and was in good standing. 
B. ) Have NOT paid XXXX, but are still charging me for the vehicle. 
XXXX ) Raised my payment rates on both accounts, even though they are closed. 
XXXX ) Adversely affected my credit, with not only their company, but other credit lines reduced as a result of my disputing this ; which seems/is retaliatory as the reasoning for closing was the thought that I MIGHT not pay my balance ; " Activity on account ( XXXX ) with Synchrony Bank indicative of high risk of failure to pay ( letter from Sync dated XX/XX/year> ) '', again, unwarranted as my accounts were paid well over the required amounts every month, and on time, never, ever a default, evidenced even on my credit report. 

* I dispute the {$5700.00} and any related interest. 
I never applied for nor agreed to financing with Synchrony Bank. 
* Demand they ( XXXX ) suspend collections/interest, and change both the accounts to " closed at the request of consumer '' with all CRA 's XXXX ( SB ) * Provide notice of assignment proving lawful transfer of my loan ( there isnt one, as I agreed to Affirm financing ). 
* Evidence shows no proceeds from this alleged account were ever disbursed to the merchant. 
Under 15 U.S.C. 1666 ( FCBA ) Sync must either : Provide documentary proof of disbursement, or Remove the charge ( XXXX ), accrued interest, and delete any credit reporting.

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