Consumer complaint received 2026-05-17 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: AK

Complaint narrative:
-- - Subject : Synchrony Bank refusing to stop or investigate a fraudulent pending charge and providing contradictory, incorrect information Company : Synchrony Bank XXXX XXXX Credit Card / OnePay ) What happened : On XX/XX/year>, I accidentally placed an order on a website that I later discovered is a fraudulent bullion scam site. The website is account.libertycoinco.co, which is a newly created domain offering XXXX XXXX Get XXXX XXXX XXXX XXXX XXXX coins at {$13.00} each. This pricing is impossible given that spot silver is over {$70.00} per ounce. This is a known scam pattern in the bullion industry. Immediately after realizing the site was fraudulent, I contacted Synchrony Bank to stop the charge. The charge is currently pending, not posted. Under standard creditcard processing rules, a pending authorization can be reversed or blocked before posting, especially in cases of suspected fraud. I informed Synchrony that the merchant is fraudulent, the pricing is impossible, and the seller is refusing to ship for XXXX days, which is another known scam indicator. I requested an authorization reversal or merchant block. Synchrony Bank refused to take action and initially told me I must wait XXXX week before I can dispute the charge, even though the transaction is already visible on my account and is still pending. This contradicts my rights under the Fair Credit Billing Act ( FCBA ), which allows me to dispute fraudulent or misrepresented charges as soon as they appear on my account. I called again and spoke with a fraud XXXX named XXXX, who changed the required waiting period from XXXX week to XXXX business days and stated that Synchrony can do absolutely nothing until then. This is contradictory, inconsistent, and incorrect. Synchrony is refusing to escalate the issue to the fraud department or backoffice dispute team, and is refusing to take any action to stop a fraudulent pending charge. By refusing to act, Synchrony is preventing me from exercising my FCBA rights and is allowing a fraudulent transaction to post to my account despite my immediate reporting. What I want : I am requesting that Synchrony Bank : XXXX. Immediately reverse or block the pending authorization from the fraudulent merchant. XXXX. Open a fraud investigation into the transaction. XXXX. Acknowledge that I reported the fraud immediately, and that Synchronys refusal to act is preventing me from exercising my FCBA rights. XXXX. Provide written confirmation that the charge will not be allowed to post. XXXX. Address why multiple Synchrony representatives, including a fraud XXXX, provided contradictory and incorrect information about my dispute rights. Why I am filing this complaint : Synchrony Bank is refusing to take action on a clearly fraudulent pending charge and is providing inconsistent and incorrect information about my rights under the Fair Credit Billing Act. Their refusal to escalate the issue to the fraud department or backoffice dispute team is preventing me from stopping a fraudulent transaction before it posts. I am requesting CFPB assistance to ensure Synchrony complies with federal consumerprotection laws and processes this as a fraud case.

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