Consumer complaint received 2025-04-11 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: AZ

Complaint narrative:
Please, allow me to give you some history of this case and the XXXX  for better understanding. In XXXX XXXX XXXX I became a victim of a scam on XXXX. A well known XXXX XXXXXXXX in XXXX had been selling XXXX XXXX XXXX XXXX XXXX on different platforms over the last XXXX years, making XXXX XXXX XXXX XXXX  every year. He left XXXX after buyers complained and he moved to XXXX where buyers complains are never reviewed and acted upon. I had submitted a few complaints, but never received any respond from XXXX. And XXXX does not have a phone number to call for customer support. 

His store on XXXX is known as " XXXX ''. The seller introduces himself as XXXX. XXXX XXXX of an XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX XXXX  He misrepresents himself, and tries to mimic the behavior of an XXXX  XXXX, or XXXX XXXX priest, to lure naive and trusting XXXX people, who believe that they are dealing with a true XXXX priest. He provides a good customer service, responds quickly, ships quickly and gets good reviews. But, when I wanted to leave my reviews about his store and the fake relics, I was not able to do that on his page. 

After receiving a few items from him, it became obvious that all those items were fake, counterfeit. All the documents of authenticity were fake. I could not find his address from his XXXX XXXX that came with the packages on the maps. ( XXXX. XXXX XXXX, Order of the Byzantine Cause, XXXX XXXX XXXX, XXXX, XXXX, Tel XXXX, XXXX ) And the address of the shipper on the XXXX label was completely different and stated XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. But, with the information from his shipping documents I was able to find a lot of information about him online, which confirmed my suspicion of his fraud. 

I would like to provide you a few links that have some information about this person and confirm my statements : Article Fake XXXX XXXX XXXX XXXX with the description of the scam and the scammer. 
XXXX XXXX XXXXXXXX? XXXX News of Fake XXXX  being produced and distributed in XXXX with fake Euthenics XXXX 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was eager to return his fake relics, but he never replied to my request for the return and the refund, even though he indicated on his page that he accepted the returns. As soon as he realized that I had learned about his scam, he just ignored all my messages, because obviously no punishment is following his actions on XXXX. And he continues, to this day, selling his fake relics to unsuspected buyers. I tried to reach out to the admin with the complaint about his store, but never received any respond. 

On his XXXX store page, he is using the pictures of our XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had informed the XXXX of the XXXX about that. XXXX had never responded to my complaints about the image theft. So he still continues doing that scam. 

I still have the items that I received from him in the original packages, they are 100 % fake and I was not able to return them to him. He scammed me for around {$6000.00}. Part of that money was paid with my XXXX debit card, and the other part with credit cards, including the XXXX  Credit card. 

I am moving to my complaint about the XXXX  Credit card by Synchrony Bank, which I used for the transactions. Some part of the charges I had paid to them already. But I believed that I had the right under the Consumer Protection Laws and online sales laws to open a billing dispute with my card and request them to do the charge back, based on the fact that I was scammed. I called their customer service number. The call went to their call center in XXXX. A girl that I was speaking to, had a hard time to understand what I was explaining to her, but then assured me that she would open a claim. The claim was never opened. I had called them a second time, and spoke to another representative in XXXX also. The girl asked me if I had given my authorization to charge the card. After I explained to her that I authorized those transactions, but they were scam, she told me that they could not open any claim, and there was nothing that they could do for me. That did not seem to be fair, but it was not much I could do. I tried to return to this case a few times. I needed to obtain the payment request invoices that the scam XXXX sent to my XXXX account, but I was not able to log into my XXXX account, and did not get any technical support from XXXX. I had to open another XXXX account. 

My believe is that the credit card was supposed to open the billing dispute for me, and help me to do the charge back and recoup my money, but they never got this done and did not offer any help to resolve this matter and protect me as their client against the scammers. 
It is my understanding that the Synchrony Bank had sold my debt to XXXX XXXX XXXX. They filed a law XXXX XXXX me at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX, case number XXXX. They are being represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Floor XXXX, XXXX, AZ XXXX, XXXX Their compliance attorney is XXXX XXXX, their file number is XXXX. 

I am asking for your assistance with this matter.

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