Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Dear Sir/Madam, My very humble opinion and i feel believe the following : I have serious medical issues of XXXX XXXXXXXX XXXX etc that has been worsened by this corrupt synchrony bank and HVAC installer XXXX XXXX XXXX Its very difficult to do these complaints due to my medical conditions. XX/XX/XXXX I open up a Synchrony credit card application through a HVAC air-conditioning installer named XXXX XXXX who was on the phone with me to walk me through the steps to open the application for 0 % interest for 18 months. During the process of the application it stated there would be a {$29.00} application fee, which I was not advised of before. After I was qualified the application fee changed to {$69.00}. I have proof of this. This is a clear case of bait and switch deceptive business practices by synchrony bank and XXXX XXXX. I have tried communicating with them with numerous Email complaints to corporate etc. They have failed to correct the matter. More corrupt deceptive business practices and fraud They said they would credit me the {$69.00} application fee, which shows a credit, but it never was taken off of the outstanding balance, disputing the charges with a charge back, harassing me with notices that they are charging me interest which they are not supposed to charge me any interest for 18 months since I opened up the credit card with that offer 0 % interest for 18 months, etc. I had disputed the charges of the HVAC system installation that was done improperly and after the first dispute about a day later they removed/closed the dispute which shows that they are in collusion with XXXX XXXX because they are showing favoritism to the company that feeds them new credit card applications. This is corrupt deceptive business practices. They should have a Rico act against them. I am filing a formal complaint against synchrony. They have failed to dispute my charges and do a charge back they keep favoring the HVAC installer. They have made it difficult for me to communicate with the dispute because their website which I have screenshots proof of that the hyperlink would not light up so that I could press on it and respond to the dispute they left me at a total disadvantage. They have left me at a disadvantage with the merchant XXXX XXXX because they have taken the money and run in collusion with synchrony bank and because of the fail to do a charge back and that deceptive business practices. This is the most corrupt bank I ever had to deal with. 
Synchrony is in violation of the consumer credit protection act of XXXX which protects consumers from unfair practices by credit card issues. 
I received a letter from synchrony dated XX/XX/XXXX ruling in favor of the merchant and closing my complaint just because they are willing to work with me according to their response. I believe they are ruling in their favor because they bring business to them through issuing credit cards which I believe is illegal conflict of interest when a dispute like this arises that they have favoritism for the business thats bringing business to them by profits.. This is unacceptable, deceptive business practices, unconstitutional, in violation of the consumer protection act, FTC, etc I believe they are biased towards me because XXXX XXXX offers their credit card. This should be stopped immediately. The complaint should be open until the matter is corrected until my HVAC unit is working properly. Is disgraceful deceptive business practices. I spent over {$7000.00} for a unit thats damaged broken, defective and inferior workmanship. Synchrony is not protecting my rights under the consumer protection act. It is obvious of their discrimination towards me and your favoritism towards XXXX XXXX business when they closed my first dispute immediately without hearing my side or doing an investigation, while receiving my complaint. Now, they closed my dispute again without my approval that the company has corrected the situation which they have not. Synchrony collusion with the company is deceiving me on my right and stealing my money for inferior workmanship, materials, and defective HVAC, air conditioning equipment that the company has scammed on me. 
Synchrony left me at a disadvantage by not having a link that probably works to access the secure message area on their credit cards website. 
Synchrony failed to protect my consumer rights using their credit card for this dispute. As it seems, they are in collusion with the merchant who benefits them opening up credit cards and defrauding consumers. Which is obvious by them closing my first dispute immediately without even contacting me. Proof favoritism to the merchant. And then shortly after the second dispute closing that just because the merchant claims they are working with me. When I have plenty of texts and emails to them that they have ignored and not responded to. I have even expressed this in those emails and text that they are ignoring me. So that proves they are not working with me to resolve this matter. 

XXXXUnlawful acts and practices. 
( 1 ) Unfair methods of competition, unconscionable acts or practices, and unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful.

( 2 ) It is the intent of the Legislature that, in construing subsection ( 1 ), due consideration and great weight shall be given to the interpretations of the Federal Trade Commission and
the federal courts relating to s. 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. s. 45 ( a ) ( 1 ) as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

Enclosing I request in addition to the above from synchrony a actual credit of the {$69.00} taken off of balance, a charge back of {$7200.00}, the Porch extended warranty cost {$750.00} unconditionally deducted from all balances and refunded as I was deceitfully told by XXXX XXXX I could pick any contractor and later found it to be a lie deceptive business practices that I have to have the installed service unless death, out of business etc. I want assurance this has not affected my credit. 
I will be filing complaints with the Florida state Attorney Generals office, consumer, financial protection bureau, XXXX XXXX XXXX  FTC, the US Attorney Generals office, the SEC, etc. besides a ton of negative reviews and comments on social media and the Internet. I also feel these two company 's are violating Americans Disability Act, fraud, unlawful acts, deceptive business practices besides previously stated. 

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 explanation