Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/year> approximately XXXXXXXX XXXX I received a phone call from XXXX. I have to pick up the phone. The lady stated her name, but I forgot her name and she said she was the night XXXX for XXXX. She asked could she speak to myself? I told her this is she when she first started off she said my last name I am gon na give your money to a guy thats a XXXX that I used to XXXX XXXX XXXX ago and I end up seeing him again and he was doing really bad and he asked for help every night again. I gave him a few dollars every night and again to help him get something to eat. also, the night XXXX said she was gon na give the man my money I say for what she was like. Did he buy some thing from you and I gave him his items. I told her I dont feel anything. Do you see me anywhere on XXXX or anywhere selling merchandise or any type of thing she got to tell me how she was gon na send him the money and I started crying, but like you cant just give my money away how can you do something like that? I dont owe that boy. Nothing then she has to go back on and saw my history that I have sent him money several times the last time I sent him some money I believe it was on XXXX XXXX and I asked him if he could hold {$150.00} in mine until the next morning and Ill come get him when I come for my doctor appointment. The reason why I asked to do this is because I put {$600.00} on XXXX to pay my bill for XXXX XXXX and also my progressive insurance company when I put the {$600.00} on XXXX, this is not the first time that ever happened. XXXX took my money off of my account. How did I sign this out? I said in the parking lot of XXXX after loading the money on my XXXX debit card prepaid card after sitting there and send the money he popped on the card. I proceeded with pay my XXXX I was speaking with the agency with XXXX kept repeating to me that it kept declining. I said that cant be true. I just put this money on her and it says on here she tried XXXX more times she said maam is not working I said OK well, XXXX a call you right back so I proceeded to go ahead and pay XXXXXXXX XXXX. It declined that so next year you know, I went inside of XXXX cause Im still sitting in the parking lot went to the XXXX and try to take my money out of there. It said the financial institution you need to call your financial institution when I call XXXX is there my money was on hold for a debt. I dont owe them anything Ive been paying my bills faithfully every XXXX weeks. I was giving XXXX out money that my bill had went all the way {$100.00} I called XXXX and kept asking whats going on with my money they kept giving me to run around wouldnt talk to me hang up on my face. I got in touch with synchrony. Ask them why did they take my {$600.00} off my card when I just paid them. I didnt owe them anything. It was no time for no payment again. Security told me that they didnt ask for no payment for me that I am in good standards. I contact XXXX again. XXXX kept doing the back back-and-forth with was telling me I needed to call synchrony bank you see Ive been through this before XXXX in there disrespectful XXXX. Next thing you know synchrony asked me did I get the refund back from them because they are no longer accepting XXXX debit card to pay on my synchrony bill because thats how I was paying my bill with the XXXX debit card and I was like what are you talking about? They say on XX/XX/XXXX they sent the money back to me now its XX/XX/XXXX when Im hearing about it so I couldnt talk to XXXX XXXX if I aint got nothing so its like I was going back-and-forth back-and-forth back next thing you know I got that call from the night XXXX who actually gave the money that Synchrony wanted to put it in a different payment form and send it back this is what I believe was their intentions but was totally confused why did synchrony or XXXX did not contact me until XXXX night XXXX XXXX that junky all my the XXXX that was sent to me. After crying to the night XXXX explaining to her that I am a vulnerable adult and I owe that individual anything next thing you know she said okay okay because I thought she knew that she was wrong so then she told me I will need to send you the check and I asked her why she want put it back on my XXXX debit card she stated it was canceled since XX/XX/XXXX which is not true no where in XXXX can you load money on a cancel prepaid card or debit card then she said look do you want your money or not then I stated yes because I need to send that back to XXXX bank then she said you need to authorize the check so I can send it out to you she said oh well its up to you because it can take up to XXXX before you get these funds so I asked what I need to do she said touch my phone on the side to authorize the check I told her I did not feel fine with that due to my identity had been stole she convinced me to touch my phone that I later found out she gave that junky {$940.00} of the money that was sent to me now synchrony his hounding me for payments that I feel that they all planned. I been calling and I dispute the charges and was told by many agents and managers that I authorize it with my figure I told them how that trick me she told me she was sending that money to me now I suppose to be responsible for what they planned to take from me and gave it away to a XXXX that was also my XXXX that is why I left him over XXXX  years ago until he reached out to me. The whole thing to this situation is that I was misled, misuse because the night XXXX gave my funds that was owed to another bank and decided on her own personal vandals to financial abuse me also put me in debt with this bank that can drop my score significantly that I been building. I strongly feel like that synchrony play a huge part in this fraudulent scam to get more money out of me

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