Consumer complaint received 2025-05-27 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: MO

Complaint narrative:
I am writing this letter to formally dispute fraudulent charges on my credit card account referenced above. Despite my previous attempts to resolve this matter, these unauthorized transactions continue to be deemed valid by your company based solely on the claim that " a card was presented '', " a chip was read '' or based on our investigation these charges appear valid. I am exercising my rights under the Fair Credit Billing Act ( FCBA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation Z ( 12 CFR 1026 ) to have these transactions properly investigated, removed from my account, and my account reinstated.

I want to clearly state the following facts : 1. I did NOT authorize any of the transactions listed below.

2. I did NOT make any of these transactions. 
3. I did NOT participate in these transactions in any way.

4. I did NOT allow anyone else to use my card or authorize these transactions.

5. My card was in my possession at all times.

6. The fact that " a card was presented '' or " a chip was read '' does NOT constitute proof of my authorization, as sophisticated card skimming, cloning technology, and other forms of electronic fraud can simulate these transaction markers without my knowledge or consent. 
XXXX. Ive also been presented with XXXX evidence of the investigation that was performed that prove these transactions were valid and performed by me. 
The disputed transactions are in the subsequent lists attached to this letter. 
Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ), you are required to acknowledge my dispute within 30 days of receiving this letter and to resolve this dispute within two billing cycles ( but not more than 90 days ). During this investigation period, you can not attempt to collect the disputed amount, charge interest on the disputed amount, or report the disputed amount as delinquent to credit bureaus. 
Furthermore, I request that you : 1. Provide me with all documentation used to determine that these transactions were valid, including forensic evidence beyond the mere indication that " a card was presented '' or " a chip was read. '' 2. Explain what specific technical investigation was conducted to rule out card skimming, cloning, or other electronic fraud methods that can simulate legitimate transactions.

3. Permanently remove these fraudulent charges from my account.

4. Issue a corrected statement showing the removal of these charges.

5. Provide written confirmation that these charges will not reappear on future statements.

6. Report to credit bureaus that these charges were fraudulent and not my responsibility.

I have maintained good standing with your company and have promptly reported these fraudulent activities. I expect these matters to be resolved fully and permanently, with no further reappearance of these charges on my account.

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 non-monetary relief