Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
In the first week of XX/XX/XXXX, I made a purchase of childrens items for my granddaughter totaling {$62.00}. I did not have my credit card that day and the store clerk looked it up so that I could make the transaction. The last 6 digits of the original card ended with XXXX. Because this card never arrived in the mail, I reported it stolen so that no further charges could be created, and I was offered to have another card sent, and I CLEARLY DECLINED. 

I decided to go to the Belk Store 2 weeks later at XXXX XXXX XXXX XXXX location in XXXX, Al Belk to pay the balance in full with my XXXX XXXX debit card. The purchase went through, which could visibly be seen from my end, but the clerk said that it did not process on her end, which I thought was very unusual. I then called XXXX XXXXXXXX XXXX and verified the transaction which did go through. THIS IS RED FLAG # 1. I asked to speak to manager, who was unprofessional and I elected to cancel the payment, WHICH WAS NOT LATE BY ANY MEANS, and try again, at another location in which I did not feel exploited. 

One week later, I went to the Belk Store location at XXXX XXXX and paid with corporate check # XXXX as verified by the attached receipt which shows the store XXXX, register XXXX, XXXX on XX/XX/XXXX and the transaction ID : XXXX, XXXX, as well as the check # XXXX at XXXXXXXX XXXX 

Approximately 3 weeks later, I receive an email from Synchrony Bank stating that I owed {$62.00} which did not make sense. I contacted my bank, and the check never cleared, when there was definitely enough in my account to cover the amount.SECOND RED FLAG! Now, I am really suspicious! 

SO, MY THIRD ATTEMPT TO PAY THIS BALANCE ONCE AND FOR ALL WAS WITH CASH, AND THE RECEIPT AGAIN IS ENCLOSED FOR YOUR REVIEW. STORE XXXX, REGISTER XXXX, XX/XX/XXXX, TRANSACTION ID XXXX, CASHIER XXXX, XXXX, TIME : XXXX Believe it or not, I received another email on XX/XX/XXXX stating that I still owed {$62.00}. XXXX which did not make sense. So, I went to the XXXX XXXX location that same evening and spoke with the manager at this location ( I can provide the name if requested ), who was very polite and professional. I called the Belk phone number of XXXX and was assured that my balance was XXXX, but this did not make sense. So, we went to the register in the mens shoe department and had the representative look up my account, using my drivers license as identification, and discovered that SYNCHRONY BANK HAD CREATED ANOTHER ACCOUNT WITH A DIFFERENT NUMBER ENDING IN THE LAST XXXX DIGITS XXXX without my permission. GET THIS, I HAVE NEVER RECEIVED A CARD WITH THESE NUMBERS,, AND THIS IS CLEARLY FRAUD!!!!!!!!!!!! 

The Belk number was called again, and I was given another number to call : XXXX, and spoke with XXXX on the evening of XX/XX/XXXX, while I was in the Belk Store. The manager was also present. XXXX said she could see that the payment I made was in cash which should have cleared my account, but was transferred over as a charge to the new card that I have never received or ever made a charge on. FRAUD!!!!!!!!!!! 

I received recent statement from Belk that I have attached for your review, clearing showing that my balance is XXXX with the card they created against my wishes. However, when I call the XXXX, it states that I still owe {$62.00}, so I recorded this and have it on audio file for your review as well. This makes absolutely no sense. Because of the multitude of data breaches lately, I elected to review my credit report, and saw a {$62.00} charge, not {$62.00} that Synchrony Bank illegally placed on my file, and I have disputed it with XXXX ( confirmation # XXXX ), and filed a complaint with the Federal Trade Commission ( file # XXXX ), filed a complaint with CFPB, written a letter to the United States Attorney Generals Office in XXXX  , DC, and the Department of Justice. 
I posted my experience on Social Media and in 3 days I have over XXXX views with comments and complaints about what Synchrony Bank has done to people from all over the United States. Because Synchrony Bank is white-labeledwith such companies as Amazon, Sams Lowes , and Belk, to name a few, they have gotten away with far too much. However, inconsistencies like this should never happen, and if I have to go all the way to Congress to petition for my voice to be heard as a XXXX a senior, and an XXXX XXXX who has been targeted by a company whose name should indicate synch, it is a far cry from synchronization of anything. 

I contacted Synchrony Bank gain on XX/XX/XXXX, and was told to write a letter and include my receipts, which are attached. I also contacted XXXX, who was kind enough to forward the link for the dispute form that I would need, when Synchrony Banks own representative mentioned nothing about this. 

I WILL ENCOURAGE EVERYONE TO BE VERY CAREFUL OF YOUR COMPANY, BECAUSE THIS UNPROFESSIONAL BUSINESS BEHAVIOR IS A DISGRACE TO EVERY AMERICAN AND FOREIGN CITIZEN, AND POTENTIALLY AFFECTS ELDERS WHO MAY NOT BE AS BUSINESS SAVY. BY THE WAY, YOUR APR IS OVER 25 %, AND THIS WILL ALSO BE BROUGHT TO THE ATTENTION OF THE US GOVERNMENT. 

I WANT A FULL APOLOGETIC LETTER FROM YOUR COMPANY IN REGARDS TO THE INCONVENIENCE IT HAS COST ME AND IN THE POTENTIAL IMPACT IT COULD HAVE HAD ON MY CREDIT HAD I NOT REVIEWED MY CREDIT FILE AND FOLLOWED MY GUT INSTINCT ABOUT SYNCHRONY. 

I HAVE ALREADY FILED A COMPLAINT WITH XXXX!

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