Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I demanded that Synchrony provide me with documentation verifying I opened any account with them, including but not limited to 1. ) Debt Details ; 2. ) Proof of Ownership or Authorization ; 3. ) Documentation of Legal Responsibility ; and 4. ) Creditors Original Information. Synchrony never provided me this information [ since XX/XX/XXXX ]. Therefore, due to Synchronys refusal to provide such required documentation to validate and substantiate any account by me with your company, Synchrony is hereby put on notice that you are in violation of Fair Debt Collection Practices/Procedures as well as Fair Debt Reporting Act violations. 

Today, XX/XX/XXXX, I spoke with your representative XXXX with employee number XXXX in the XXXX that this needed to be corrected immediately as you have continued to harm me, charge me, and harass me since XX/XX/XXXX for an account that is not mine and was settled by XXXX XXXX XXXX ( XXXX ) via a Confidential Settlement Agreement on XX/XX/XXXX, marked Exhibit A. Per Section 1. Cancellation of Invoices and Refund on page 2 of 7 that Ive enclosed and highlighted, The Parties agree that XXXX XXXX will cancel the Invoice and advise the cruise line and credit card company that the Invoice has been cancelled and no charges are due in connection with the Invoice. 

This was read several times to XXXX, however she stated that XXXX confirmed the invoice was valid and instructed you, Synchrony, to uphold the charges and continue to demand money from me. I demanded that XXXX provide me with that written documentation immediately, however XXXX stated that it was a thirty ( 30 ) day turn around for your company. 

Additionally, XXXX stated that XXXX provided confirmation of delivery of the products ordered and mailed via XXXX tracking numbers XXXX and XXXX. Attached are Exhibits B ( XXXX ) and C ( XXXXXXXX ) reflecting that both items were requested to be returned back to sender by the sender on Saturday, XX/XX/XXXX at XXXXXXXX XXXX  and arrived to the sender on XX/XX/XXXX at XXXXXXXX XXXX. signed by a XXXX. 

Further, upon providing XXXX XXXX ( XXXX ) additional information when disputing this account on my credit report, XXXX deemed that Synchrony account ending in XXXX to be a fraudulent application, and deleted the inquiry from my credit report. XXXX  letter dated XX/XX/XXXX stating the above is marked as Exhibit D. 

I am in receipt of your letter dated XX/XX/XXXX, sent to validate Synchronys refusal to close and correct this fraudulent account, selected the option that states you authorized, participated in, or benefited from the purchase. Per Exhibits A, B, C, and D, you can clearly read that is incorrect information and Synchrony has continually committed fraud and falsely reported this account since XX/XX/XXXX when first advised of the account being opened in fraud. Synchrony was never able to provide proof of ownership, document legal responsibility, or provide debt details and has refused to do so to date.

Company response to consumer: Closed with explanation