Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
b'Credit Dispute\nI tried to reason with Synchrony Bank/Venmo numerous times and provided concrete evidence that the charges on my account are not accurate. I provided proof that I dont have a XXXX XXXX subscription, I dont have insurance with XXXX XXXX I provided proof of insurance and that the XXXX XXXX  agreed to issue a refund yet, Synchrony Bank/Venmo continue to place these charges on my credit card which is now closed due to the dissatisfaction of Synchrony Bank/Venmos services. No one speaks english until I request to speak to a supervisor. They let these charges build interest and expect me to pay for cancelled/refunded services. Synchrony Bank/Venmo is a joke. They dont know anything about math and theyre running credit card scams on their customers. Im very disappointed with their service and would not wish their services on anyone. Im very motivated to file a class action lawsuit against them for intentionally trying to scam me.\n\nXXXX XXXX:\n\n\nHi, thank you for checking with your headquarters. Its not a no show, the XXXX government will not let us in without a XXXX Pass.\n\nSent from my XXXX XXXX XXXX XXXX XXXX XXXX engsupervisor   wrote:\n\n \nDearXXXXGreetings from XXXX XXXXn\nAs we checked from our headquarters we could able to proceedwith a refund but we will deduct the no-show for each passengerand the balancewill be creditedto your account.\n\nWe did reach youregarding this matter but we have toraise your concern,unfortunately,the no-show fee will be deducted.\n\nPlease do let us know if any other information is required.\n\nThank you.\n\nSincerely,\n\XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  engsupervisor   wrote:\nDearXXXXGreetings from XXXX XXXXPlease accept our sincere apology regarding this matter as advised this current reservation is non-refundable and we cant proceed with a full refund. The only amount refunded would be the charges of tax and additional charges.\n\nDo let us know if we can proceed to cxl the reservationfor the return flight or should we leave as of now\n\nThank you\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX askander  wrote:\nThis is a government issue there for it is out of our control and we are entitled to a full refund. You also had no alternative tickets so you were unable to assist us with an alternative flight date. We already purchased tickets from another airline that available flights. We will need a full refund thank you.\n\nSent from my XXXX XXXX XXXX XXXX XXXX XXXX engsupervisor   wrote:\n\n \nDeaXXXX XXXX  Askander\n\nGreetings from XXXX XXXXWe are following up on your reservation for a full refund request and as we checked, the current reservationis promo fairand non-refundable. Please acceptour sincere apologyas we only can proceed with a refund for the unused tax and the charges for the additionalcharges.\n\nWe did try to reach with the number and it\'s prompting an engaged tone.\n\nPleasedo let us know if any other assistance is required for the refundprocess.\n\nThank you.\n\nSincerely,XXXX XXXX XXXX XXXX XXXXXXXX XXXXWe have exhausted every effort to correct this error that was made by the XXXX  Consular. Attached is our attempts to change this error including reaching out to their facebook page. The requirements to travel under the AQ program is as follows in the link provided below.\n\n-5 day reservation in a AQ approved hotel\n-Transportation from the airport to the hotel\n-Test kits provided by the hotel\n-Covid Insurance\n-Valid passport\n\nWe called the XXXX embassy many times and they still have not fixed the issue and they are aware of it. We are requesting to move the flight to Monday the XXXX  hopefully we will have a response by then but if the XXXX consulate doesnt respond we will have to postpone the flight even further. This has been a very frustrating experience for us. Thank you for understanding.\n\XXXX  Pass Rejection Email:\n\nYour registration on the XXXX  Pass system has been rejected\n\nDear Mrs. XXXX XXXX XXXX Pass system has rejected your registration due to Please upload the certificate of vaccination in full form\nIf you would like to make adjustments or attach additional documents, please update your submission by clicking the "check status or edit" tab via the following XXXXImportant*Following reports that a number of applicants have received FAKE and SCAM emails, XXXX Pass wishes to inform and advise the following:- DO NOT respond or click on any attached links in the emails- Emails from XXXX  Pass regarding your applications will only be sent out from one official account (XXXX The system will not ask for any personal information nor request applicant to amend the application by email.Please note that all registration processes are done solely on the XXXX  Pass website only.\n* This email is automatically generated. Please do not reply. *\n\nAttempts to XXXX Pass phone number\nXXXX XXXX XXXX XXXX XXXX XXXX  Pass Case #970862\n\nIdle Reservation:\n\n\n\n\n\nCOVID-19 Insurance:\n\n\n\n\n\n\n\nPassports:\n\n\n\n\nSent from my iPhone\n\n\nThis e-mail may contain confidential information and is intended only for the individual(s) named above. If you are not the named addressee, you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received it by mistake and delete it from your system. E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, or incomplete. This e-mail may arrive late or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of e-mail transmission.\n\n      ,      .     , ,   .         ,      .   , , , ,  ,  ,          . ,              .\n\n\n\n\n\n\n\n\n\n\n\nThis e-mail may contain confidential information and is intended only for the individual(s) named above. If you are not the named addressee, you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received it by mistake and delete it from your system. E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, or incomplete. This e-mail may arrive late or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of e-mail transmission.\n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX               .XXXX XXXX: This Subscription was cancelled oXXXX XXXX, a month before it expired.\n\n\nState Farm:\nMy Insurance Policy expired on XXXX and I didnt renew my policy with them and provided proof of insurance with The General that I already have insurance.\n\n\n\n\n\n\n\nSynchrony Bank/Venmo reputation:\n\nSynchrony Bank has faced several lawsuits and legal actions, including class action lawsuits, over various issues. These include allegations of illegal interest rates on CareCredit accounts, penalizing veterans for leaving active duty, and making harassing phone calls.\n\nElaboration: \n* CareCredit Lawsuits:Synchrony Bank, which offers CareCredit, has been sued over allegedly charging illegal interest rates on CareCredit accounts, with some lawsuits claiming violations of usury laws. One case specifically highlights the "vulnerable moments" when consumers, often facing urgent medical or veterinary needs, are presented with CareCredit and potentially charged high interest rates, according to ClassAction.org.\n* Veteran Penalty Lawsuit:A class action lawsuit alleges that Synchrony Bank unfairly penalized service members by increasing interest rates on their credit card balances when they left active duty, violating the Servicemembers Civil Relief Act (SCRA).\n* Harassing Phone Calls:Synchrony Bank settled a civil enforcement action for $3.5 million for making frequent and/or harassing phone calls to California consumers. The bank was ordered to implement procedures to prevent unreasonable and harassing debt collection calls.\n* TCPA Settlement:Synchrony Bank also settled a TCPA (Telephone Consumer Protection Act) class action lawsuit for XXXX XXXX over allegations of making unauthorized pre-recorded calls to consumers about accounts that weren\'t theirs, according to Class Action Lawsuits.\n* Other Allegations:Other lawsuits and investigations involve allegations of deceptive marketing practices, mismanagement of promotional purchases, and violations of federal debt collection laws.'

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 non-monetary relief