Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XX/XX/XXXX, I closed my Verizon XXXX acount and started an account with XXXX. Verzon told me that if I came back to them, they woudl match XXXX rates and gove me unlimited service for $ XXXX. When I got my Bill, it was {$120.00}. Verizon charged me a {$35.00} dollar activation fee. The Verizon XXXX Sales Rep said they would just reactive my previous account since it was less than 2 weeks since I last used it. So the {$35.00} activation or re-activation fee was not warranted an verizon said they would reverse the charges. They also did not apply the {$10.00} promotion for Autopay, even though when I went into my account on the MyVerizon webpage the Verizon Credit Card which is used for AutoPay was already loaded in their by default by Verizon. I signed up for the Synchrony Bank Verizon Credit Card in real time after spending 2 hours on the phone with 2 Verizon sales representatives. They were also supposed to give me a Loyalty Discount. I ended up paying Verizon {$120.00} TWICE - so they received {$250.00} from me for payments in XXXX XXXXXXXX. XXXX ended up waiving my activation fees and applying the discounts that they promised me, and told me that my bills would be XXXX per month ( {$120.00} XXXX Activation Fee XXXX AutoPay Discount XXXX Loyalty Discount = {$77.00} ). 

I told Verizon that the {$77.00} was too much to pay and that I wanted to go back to the $ XXXX. plan, and they switched me back and said they would apply any credit towards the new plan. Since then, Verizon has been sending me emails that say I do not owe any money and that I had a CREDIT balance. 

The problem has always been with the SYNCHRONY BANK VERIZON VISA CARD. They are not in synchronization with Verizon 's billing and were telling me I owed {$140.00} to Verizon, which I never owed. Verizon tells me I am in good standing, and Synchrony Blank tells me I owe them XXXX  of dollars. Synchrony Bank also closed the original Verizon VISA card account because I was disputing the charge and they said someone was using my old card ( which was not true ). Synchrony Bank transferred the bogus charges over to the new account to mask traceability into where the charges originated. 

I have aways made my payments on time and I always pay the correct amount. I went back to an umlimited plan with Verizon for {$53.00} dollars a month. I have been paying on this faithfully for the past 3 months. Somewhere between my opening my Verizon accoutn with a {$250.00} dollar ADVANCED payment, and me paying every single month accounding to Verizon 's bills, SYNCHRONY BANK added an additional {$140.00} which is not a valid charge. I have spoken to them more than 3-4 times on the phone for hours, and they REFUSE TO ADMIT THEY HAVE OVERCHARGED ME AND ARE TRYING TO MAKE ME PAY FOR CHARGES THAT VERIZON SAYS I DO NOT OWE. 

Here is my payment history ; XX/XX/XXXX {$120.00} Synchrony Bank Verison VISA PAYMENT ( This payment was made the first week of XXXX and Synchrony Bank sent ma a bill on XX/XX/XXXX asking me to pay AGAIN!! See attached ) XX/XX/XXXX {$76.00} Synchrony Bank Verison VISA PAYMENT XX/XX/XXXX {$00.00} Synchrony Bank Verison VISA PAYMENT XX/XX/XXXX {$17.00} Synchrony Bank Verison VISA PAYMENT XX/XX/XXXX {$37.00} Synchrony Bank Verison VISA PAYMENT XX/XX/XXXX {$35.00} Synchrony Bank Verison VISA PAYMENT XX/XX/XXXX {$53.00} Synchrony Bank Verison VISA PAYMENT XX/XX/XXXX {$53.00} Synchrony Bank Verison VISA PAYMENT

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