Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
While I was working in XXXX XXXX my husband met with a salesman from XXXX XXXX XXXX  on XX/XX/2022. They discussed an outdoor kitchen and he recommended Synchrony as a finance option. My husband suggested that I try to get credit with them and I did and was approved but never spoke to any one with synchrony about my account. After a month ( XX/XX/XXXX ) my husband grew frustrated with not being Given the HOA drawings and docs needed to start the project so we cancelled them. The owner then proceeded to Harass us to continue with the project and I didn't know he had already charged my XXXX XXXX XXXX  {$10000.00}. I contacted the business and the salesman in XXXX and no one responded so I reached out to Synchrony and filed a fraud claim. The Merchant responded to the bank with documents that I had never seen, including an agreement signed by my husband who is not an authorized user on my account. I have been denied by Synchrony because they insist I signed the agreement and authorized payment using a pay slip the the Merchant sent them and not even acknowledging that the Pay slip does not have my email address on it, only my name. I have proof that I was not in XXXX to meet with the salesman and also I didn't provide him any account information. The salesman didn't need me to provide it, Synchrony allowed the merchant access to their referred consumers accounts, they can actually charge w/o permission. Synchrony has sent my rejections stating that I benefited from the purchase and refuse to accept that nothing was done and I have sent proof. Synchrony has stated that I signed the agreement and my name is clearly not on it, they have rejected my claim because the merchant is willing to work with me. They have rejected my claim stating that I used my phone to activate a card I never used and they have used Keystones documents that are fake to justify a charge. I have consistently stated I didn't authorize any payments and that no work was ever done on my property. I have gotten rejection after rejection for a purchase that didn't happen and although its fraud because someone used my account without my permission they keep calling it a billing dispute. I'm not being protected and have filled with the credit bureau 's, filed a police report and contacted Texas attorney general. I have not been protected by Synchrony, this vendor is literally stealing money from me. I am attaching my lease agreement and offer info in XXXX to show my location at the time of the signing, a text on the day in question to my husband stating I'm heading to my apartment not home in XXXX. I'm attaching the agreement that does not have my signature a picture of an empty back yard in XXXX of 2022 that shows no work done for an XXXX Charge. What the HOA required and what was provided by the Vendor and synchrony own doc showing that the Vendor could charge me w/o my permission. Also the email sent from synchrony when I registered the account which is after the " so called '' pay slip was created using a different email address. XXXX is charging me for cancelling because I wouldn't allow them to do the wk after a month of inactivity, they can not hold my husband accountable for that agreement so Synchrony and XXXX is trying to charge me. My documents show I wasn't there to meet anyone therefore could not have signed and I barely registered my account when their fake transact slip shows I authorized a charge with the wrong email address.

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