Consumer complaint received 2026-06-06 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: GA

Complaint narrative:
NOTE : I previously submitted a CFPB complaint regarding Synchrony Banks handling of my XXXX dispute and related credit reporting. Since submitting that complaint, I discovered additional account activity showing that the reported {$710.00} past-due balance appears to include unresolved credits, withheld account benefits, late fees, and interest charges. I am filing this new complaint because I could not amend the original submission and because Synchrony needs to provide a full accounting and correction of the reported balance. I am submitting this complaint against Synchrony Bank regarding newly discovered account-balance issues connected to my previously disputed XXXX transaction and Synchronys related credit reporting. I previously submitted a CFPB complaint concerning Synchronys handling of my XXXX dispute and the reporting of the unresolved balance as past due. Since submitting that complaint, I reviewed additional account activity and discovered that the reported {$710.00} past-due balance does not simply reflect the original XXXX charge XXXX Instead, it appears to include a combination of unresolved credits, account benefits owed to me, late fees, and interest charges connected to a balance that remains disputed. The original disputed transaction was a {$800.00} XXXX charge for tickets to the XXXX XXXX concert at XXXX XXXX in XXXX, Georgia on XX/XX/XXXX. The tickets were not delivered as agreed. They were no longer accessible through XXXX on the day of the concert, and XXXX indicated that the tickets had already been transferred to another email address. When I was eventually allowed into the venue after onsite escalation, the seats I purchased were already occupied by other individuals holding valid XXXX tickets for the same seats. Synchrony denied my dispute, and the unresolved account balance is now being reported as past due. However, I have since identified additional account activity that affects the accuracy of the reported balance. Specifically, I request that Synchrony investigate and account for the following : XX/XX/XXXX : Cashback rewards credit due to me in the amount of {$51.00} XXXX XXXX XXXX : Credit due to me in the amount of {$150.00} XX/XX/XXXX : Late fee assessed in the amount of {$30.00} XX/XX/XXXX : Interest charge assessed in the amount of {$9.00} XX/XX/XXXX : Late fee assessed in the amount of {$41.00} XX/XX/XXXX : Interest charge assessed in the amount of {$10.00} Because the underlying XXXX charge XXXX disputed for nondelivery of services, I dispute Synchronys assessment of late fees and interest tied to this balance. I also dispute any failure to properly apply credits owed to me, including the cashback rewards credit and the XXXX insurance credit/refund. The current reported {$710.00} balance appears inaccurate and/or incomplete unless Synchrony can XXXX a full itemized accounting showing how the balance was calculated and whether all credits, refunds, late fees, interest charges, and adjustments were properly applied. I am not filing this complaint because I simply chose not to pay a valid bill. I am filing because the underlying charge involved services not delivered as agreed, and XXXX current balance and credit reporting appear to include unresolved credits and disputed fees/interest assessed on that unresolved charge. I request that Synchrony : Provide a full itemized accounting of how the reported {$710.00} balance was calculated ; Confirm whether the {$51.00} cashback rewards credit was applied ; Confirm whether the {$150.00} XXXX XXXX XXXX was applied ; Reverse late fees assessed on XX/XX/XXXX and XX/XX/XXXX ; Reverse interest charges assessed on XX/XX/XXXX and XX/XX/XXXX ; Correct the reported balance if it is inaccurate or incomplete ; Confirm that the account is being reported as disputed to all credit reporting agencies ; Correct or delete any negative credit reporting based on an inaccurate or unresolved disputed balance ; and Provide a written explanation of the dispute denial and the documents Synchrony relied upon to treat the XXXX charge XXXX valid.

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