Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I would like to sincerely thank the CFPB for your assistance in my previous complaint. As a result of your intervention, a portion of my disputed charges was successfully resolved and refunded. I truly appreciate your help, as this situation had a negative impact on both my financial situation and my credit. I am submitting this follow-up complaint regarding the remaining unresolved unauthorized charges totaling {$490.00} related to my Synchrony Bank XXXX XXXX account XXXX Previously Submitted Information I am resubmitting this complaint because it appears that part of my previous submission may not have been fully addressed or reviewed, even though I had already provided the relevant statement showing these transactions during the initial dispute process. For clarity, I did provide the billing statement containing these charges previously. However, since this portion remains unresolved, I am respectfully submitting it again for full review. Limited Account Documentation Available At this time, I do not have access to the complete account number or full account history, as we have repeatedly requested complete monthly statements from the issuer. We were only able to obtain a partial statement covering approximately XX/XX/XXXX to XX/XX/XXXX. Due to this limitation, there may be additional unauthorized transactions outside this period that we are currently unable to verify without full access to complete records. Remaining Disputed Charges Within the available statement period, the remaining disputed charges totaling {$490.00} include transactions that I do not recognize or authorize, including : XXXX XXXX XXXXXXXX ( multiple transactions ) XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple transactions ) I want to clearly reiterate that I did not authorize, participate in, or benefit from these transactions in any way. Ongoing Concern While I am grateful for the partial resolution already achieved, the remaining charges continue to negatively affect my financial situation and credit profile. Due to incomplete access to full account records, I remain concerned that additional unauthorized activity may exist beyond the limited statement period we were able to obtain. Requested Assistance I respectfully request that the CFPB : 1. Reopen and fully review the remaining disputed charges totaling {$490.00} 2. Ensure that the previously submitted statement and evidence are properly considered in the review 3. Require Synchrony Bank XXXX XXXX to provide complete account statements and full transaction history 4. Ensure a fair, documented, and evidence-based investigation of the remaining charges Thank you again for your time, attention, and the assistance already provided in resolving part of this matter. I sincerely appreciate your continued support in helping reach a fair and complete resolution.

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