Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Dear Sirs, I am a XXXX XXXX XXXX American citizen. 
A few months ago, I received an email inviting me to do an online survey, and as a reward, I would be given XXXX products for free. The only thing I would pay is the shipment. 
I chose a small food processor, made of XXXX, that never worked, and I had to throw it. 
The other item was a box of low-quality tools, also made of XXXX. I never used it, and it is still sitting on a shelf in my workshop. 
I have been charged about XXXX dollars shipment!!! 
I was obviously frustrated and promised myself to never fall again to the online surveys of scamming companies. 
A few weeks later, I received a bill from Synchrony bank charging me {$58.00}, and {$80.00}, I do not remember the cents! 
I called XXXX to find out where these charges came from! After being transferred here and there, and wasting lot of hours on the phone, re-explaining what happened, to every person I have been transferred to, I finally got someone who told me that I need to call Practitioner Stationary, a warehouse retailer located in California. I called and asked an agent where these charges came from! 
He told me that I have been charged {$80.00} for a {$2000.00} dollars online credit that was sent to my email address which was a lie because I had never received anything like that. 
Regarding the other charge of {$50.00}, he said that it was the cost of an online gym software!! By the way, being a low-income senior citizen, with special needs, my XXXX XXXX XXXX XXXX me to go to XXXX gyms, totally free. 
I told the agent to immediately refund me the money to avoid reporting this Practitioner Stationary to the CFPB, FTC, and FBI. He hurried and refunded me the money. 
I thought that this bad experience was over, but I was wrong. I started receiving bills from XXXX and Synchrony bank nonstop claiming fabricated charges of $ XXXX ; $ XXXX, and lately $ XXXX I called XXXX to report these fraudulent charges, and asked them to cancel my credit cards, and XXXX XXXX, at once. 
But it was to no avail. They kept my XXXX credit card active, and kept receiving these ghosts bills I called again and again, very frustrated, and a XXXX agent told me that I do not owe anything, and at the contrary, XXXX owes me {$33.00}. They sent me a cheque number XXXX, dated XX/XX/2023 and I cashed it. But again, it wasnt over. They kept sending me bills. I tried to ignore them. 
But, after I have applied for a limit increase with my XXXX credit cards : XXXX and XXXX, my request was denied, despite my excellent relationship with these institutions. Thats when I suspected that Synchrony bank had reported me to the credit bureau, ruining my score credit Besides, I have never bought anything from XXXX, and I challenge this company to show me any receipt or purchase agreement for the charges they pretend that I owe them. 
I am exhausted and stressed out by these companies and their foul play and the crooked merchants they work with. I count on your kind assistance to STOP XXXX and Synchrony, and the messed up, incompetent foreigners they hire to DESIST FROM HARRASSING me with nonstop emails claiming this and that By the way, and after I told them that my legal name is XXXX XXXX, they sent me a credit card using my Aka name XXXX XXXX, as XXXX, and this added more hassle and hours of time waste. 
Sincerely, XXXX 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 monetary relief