Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
Date of incident : XX/XX/XXXX Amount disputed : {$1600.00} Merchant : XXXX Creditor : Synchrony Bank On XX/XX/XXXX, I attempted to purchase XXXX XXXX tickets for travel departing XX/XX/XXXX and returning XX/XX/XXXX. I reasonably believed I was booking directly with XXXX XXXX after clicking a reservation link on XXXX website from my mobile phone. 

I was connected to the phone number XXXX, where a man claiming to represent the airline assisted with the booking. I was told the total cost, including my flight credits, was {$160.00}. I was then informed my card was declined. 

I immediately contacted Synchrony Bank, who told me the attempted charge was actually {$1600.00}, not {$160.00}. I clearly instructed Synchrony not to allow the charge to go through, as this amount was not authorized and did not match what I was told. Synchrony advised me the charge would not be processed. 

Despite this, on XX/XX/XXXX, a charge for {$1600.00} appeared on my statement from XXXX ( XXXX ). No airline tickets were issued, no confirmation was received, and no services were provided. 

I immediately contacted Synchrony Bank to report fraud, cancel my card, and open a dispute. Synchrony incorrectly determined that this was not fraud and failed to cancel my card at that time. My card was only canceled after I followed up again on XX/XX/XXXX. 

I attempted to contact XXXX XXXX XXXX XXXX using phone numbers found online. The company provided conflicting information and stated they had no record of my booking or email, offering no resolution. 

As a result of this incident and the lack of valid airline tickets, I was forced to purchase replacement airline tickets from a XXXXXXXX XXXX in order to complete my planned travel. 

I also contacted XXXX XXXX directly to report the incident and requested confirmation of any reservations in my name ; XXXX confirmed that no reservations existed and that the booking was not made through them. 

There are multiple consumer complaints alleging that XXXX  is a scam or engages in deceptive travel-booking practices, including reports on the XXXX Scam Tracker, where I have also filed a complaint. The business is associated with XXXX, which several scam-checking services rate as high risk due to limited company transparency, recent registration, and lack of verifiable legitimacy. 

Additionally, the listed business address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AZ XXXX ) appears to be a parking lot, and the companys website contains broken About and Legal pages stating This Page Does Not Exist. 

I am disputing this charge due to merchant misrepresentation, unauthorized amount, and failure to provide services. Synchrony Bank improperly denied my dispute and failed to protect me despite timely notification and clear evidence of deception. 

I contacted Synchrony Bank at least five separate times regarding this issue, yet the charge was not resolved and my dispute was improperly denied. 

Requested resolution : Immediate reversal of the {$1600.00} charge Correction of Synchrony Banks dispute determination Confirmation that I am not liable for this fraudulent transaction

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