Consumer complaint received 2024-11-28 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: MD

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX regarding an unresolved charge dispute, the closure of my XXXX account, and the failure to update my credit report after I paid the balance in full. I have been trying to resolve this issue with XXXX since XX/XX/year>, but my efforts have been unsuccessful. I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX but XXXX failed to respond to that complaint as well. 

Summary of the Issue : Disputed Charge : {$XXXX} Date of Charge : XX/XX/year> Dispute Opened : XX/XX/year> Transaction number : XXXX Since XX/XX/year>, I have been attempting to resolve a charge of {$XXXX} that was made to my XXXX account. The charge is linked to a transaction with a merchant, and despite my repeated attempts to work with XXXX, they have failed to assist in resolving the issue. I have provided XXXX with all requested documentation, including receipts, emails, and other evidence, but they have refused to engage with the merchant or facilitate a resolution. 

In addition to the ongoing dispute, XXXX closed my account without proper notification or explanation. I have paid my account with XXXX in full minus the disputed charge. XXXX has not updated my credit report to reflect the payments I made. The balance continues to appear as outstanding on my credit report, which has negatively impacted my XXXX XXXX. 

Additional Action Taken : I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX regarding this issue, but XXXX has failed to respond or take meaningful action to resolve the dispute. 
My XXXX account was closed without explanation, and I was not given a chance to settle the matter or provide additional documentation before the account closure. 
Requested Actions : Assistance in Resolving the Dispute : I am requesting the XXXX assistance in ensuring that XXXX works with the merchant involved to resolve this dispute and either issue a refund or reverse the charge as appropriate. 

Credit Report Update : I request that XXXX be compelled to update my credit report to reflect that the full balance of {$XXXX} has been paid and that the account is closed in good standing. The incorrect information currently being reported is damaging my credit and causing financial hardship. 
Response to XXXX  Complaint : I ask that XXXX be required to respond to the XXXX  complaint that I filed and provide me with a resolution to this matter. 

Background : XXXX Credit Report XXXX : The account is reported as unresolved with an outstanding balance of {$XXXX}, even though the balance has been paid in full. 
Documentation Provided : I have submitted all necessary documentation, including receipts, proof of payment, and correspondence with XXXX, but XXXX has failed to correct my credit report or resolve the dispute. 

This ongoing issue has caused significant financial and emotional stress. I believe PayPals actions XXXX be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting your assistance in ensuring that XXXX takes appropriate action. 

Please find attached copies of all relevant documentation, including my communications with XXXX, the XXXX  complaint, proof of payment, and a copy of my credit report showing the incorrect balance. 

I kindly request that the CFPB investigate this matter and assist in resolving this issue as soon as possible. I would greatly appreciate your prompt attention to this complaint. 

Thank you for your time and assistance.

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 monetary relief