Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
XX/XX/XXXX : Contract Signed with XXXXXXXX XXXX for XXXX replacement. Simplified application for contractor credit was filled. There were no specific financial agencies indicated on form. No Synchrony Credit Card Application was signed, no Terms of Agreement presented by XXXX XXXX  to me, ever. 

XX/XX/XXXX Received XXXX way call with XXXX XXXX, including rep from Synchrony. The call was to confirm a credit line request increase to {$35000.00}, but declined per rep during call. After the call, I believed that no financing had been extended. I have text message screen shots show multiple attempts on financing clarification from XXXX XXXX on that same day. Again, no Synchrony contract was signed by me for a Line of Credit. I was unaware that actual credit line was extended to me. This same day Synchrony released {$22000.00} to XXXX XXXX. 

XX/XX/XXXX I made {$270.00} payment to Synchrony on Home Design account after noting it on Synchrony website. This was a good faith payment. 
XXXX as I was still unaware that XXXX XXXX  had not paid at least XXXX subcontractor and no permit was open for project. 
XX/XX/XXXX XX/XX/XXXX Escalated to Synchrony a fraud claim. After non-progress on roofing progress, rapid decline in communication with XXXX XXXX, lack of permit through XXXX XXXX XXXXXXXX XXXX Issued, wrong materials and having an exposed roof for over XXXX month. Evidence of fraud was submitted through Synchrony 's Website on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX, along with a least one statement that emails may have been redirected from me from Synchrony. After I XXXX research, I asked Synchrony Fraud department if Synchrony Transact was the platform that was used for this account and that was confirmed by their Rep. Should be a recorded call. This platform relies on email confirmation of generated sales receipt and/or final completion of project to be signed off by card holder prior to releasing of funds. This was never done. 

XX/XX/XXXX, XXXX was given by XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Explained in length to XXXX XXXX XXXX that materials that were provided were incorrect per contract, however having roof installed was of paramount importance. 

XX/XX/XXXX Requested discussion with XXXX XXXX by email and text. 

XX/XX/XXXX XXXX was completed by XXXX XXXX XXXX. Outstanding contractual issue remain : Wrong product installation, trash remained on property, solar panels not re-installed. 

XX/XX/XXXX. City Inspector on property, but no Contractor presence, no ladder up and trash remained on property. Notified XXXX XXXX that Inspector came and left. 

XX/XX/XXXX : Synchrony sent email, denying claim. Reopened second fraud claim. 

XX/XX/XXXX : The roofing project is not completed per contract, permit is still open and solar panels are not re-installed. As much as there are issues with the contractor, the issue remains of improper financing without disclosure or contract.

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