Consumer complaint received 2026-04-29 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: NJ

Complaint narrative:
On XX/XX/year>, I was charged {$1800.00} by XXXX XXXX XXXX XXXX XXXX XXXX ) for a proposed podcast and media distribution package totaling {$5500.00}. The payment was made for future services that had not yet begun. On the same day, XX/XX/year>, after reviewing documentation provided only after payment, I discovered material terms that had not been disclosed during the sales call, including a no-refund provision, ownership and reuse terms, and a recurring maintenance fee. I did not sign the XXXX agreement containing these terms. I immediately requested cancellation and a full refund in writing on XX/XX/year>, before any services were performed. I reiterated this request between XX/XX/XXXX and XX/XX/year>, confirming that I was not proceeding and that no services had been rendered. The merchant acknowledged my request but did not issue a refund and instead attempted to require a phone call as a condition of processing it. The merchants own written communication dated XX/XX/year> shows that the 10-episode series was scheduled for future dates between XX/XX/XXXX and XX/XX/year>. No episodes had been recorded, edited, or distributed at the time of cancellation. I disputed the {$1800.00} charge with my credit card issuer ( Synchrony Bank / CareCredit ). A temporary credit was issued and later reversed after the merchant submitted a response. I then opened a second dispute and provided a detailed rebuttal with supporting documentation, including a timeline, written cancellation, and proof that no agreement was signed and no services were performed. Despite this, the credit card company denied the dispute and held me responsible for the charge. The merchant claims that 10 podcast episodes were completed with my participation. This is not accurate. I canceled the same day as payment, never participated in any recordings after XX/XX/XXXX, and did not complete any required pre-interview materials. The merchant has not provided verifiable proof of recording dates, participation, or production activity. On XX/XX/year>, the merchant sent me another XXXX request for the same agreement that I did not sign in XXXX. This confirms that no signed agreement existed at the time of the charge or the alleged services. I requested from the credit card company an explanation of how they determined that services were rendered despite the documented timeline, lack of a signed agreement, and same-day cancellation. The company denied the dispute without adequately addressing these inconsistencies. I am requesting that the credit card company properly review the evidence and correct the billing error. The charge represents payment for services that were never performed and were not governed by an agreed contract.

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