Consumer complaint received 2025-09-21 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: VA

Complaint narrative:
Dispute # XXXX Item returned was a XXXX XXXX XXXX XXXX phone case in the amount of {$9.00} Synchrony XXXX XXXX XXXX XXXX XXXX PA XXXX Account # XXXX XXXX As The evidence Im submitting, will show that I receive the order around Saturday, XX/XX/XXXX or Sunday XX/XX/XXXX and my UPS return receipt is dated Monday XXXX XX/XX/XXXX at XXXX As you can see this well in range of the return date limits. 

I have emailed XXXX at XXXX and submitted the same evidence I am sending you, it was answered by a representative name XXXX saying he was working on it and I never heard from him again, when I tried emailing him again it came back as this. 

We received your email our team can not make or receive calls related to specific charge disputes. 

Then it tells you to go to an amazon.com/contactus email which takes you to the XXXX website. 

I call synchrony, bank credit card company at XXXX and keep getting the runaround. 

One of the claims I was told that I did not return the item within the allotted time frame In the pass I have had Several billing disputes with this card company and when they recharged my account after a so-called investigation/review I told them to close the account whereas I will no longer be using there card for my transactions. I feel this is one of the reasons why they refuse to correct my dispute. 

After I entered the dispute with the synchrony XXXX card, then XXXX fraudulently charge the {$9.00} to my XXXX XXXX Credit card I had on file with the company without my consent! 

After filing a dispute with XXXX XXXX and explaining what happened and submitting the evidence ( The same evidence Im sending you ) showing the credit being issued, XXXX XXXX immediately rejected the {$9.00} charge then cancel my card on file and issue me a new one with a new credit card number I have called and emailed synchrony bank card and also XXXX on several occasions with the latest being on Monday XX/XX/XXXX when I spoke with A supervisor name. 

They have repeatedly ignored my request to have the {$9.00} remove from my account and has also been adding interest monthly for total of {$22.00} for an item I returned, this has negatively impacted my credit score to drop XXXX points which was at an excellent XXXX rating when I opened this account. 

I am requesting that the negative impact to my credit score be removed, and the merchants be punished in some type of way for blatantly lying and breaking the Consumer moral ethics code. I believe this is a practice and tactic that they both using together on everyone all the time and they need to be stopped!!!! 

Thank you for your time and consideration, and concern in this matter. The supporting documentation is in the following email. 

XXXX XXXX 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