Consumer complaint received 2026-05-27 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: NJ

Complaint narrative:
RE : PayPal / Synchrony Dispute Case Number : XXXX Disputed Amount : {$1100.00} plus all associated interest and finance fees I am filing a formal complaint against Synchrony Bank for gross negligence and a severe failure to conduct a reasonable billing error investigation under the Fair Credit Billing Act ( FCBA ). The dispute department has closed my fraud case by accepting an initial, informal order estimate slip dated XX/XX/XXXX as " proof of delivery. '' Under card network regulations, an initial order slip establishes an authorizationit IS NOT a delivery slip and does not prove fulfillment or physical receipt of custom goods. The bank 's dispute team has been severely negligent by completely ignoring these fatal flaws and contradictions in the merchant 's paperwork : 1. SIGNED AND STAMPED CANCELLATION ACKNOWLEDGMENT ( EXHIBIT H ) : I have provided an official document written on the merchant 's own business stationery and notebook paper bearing the shop 's name and contact information ( Exhibit H ). Because the merchant claimed he did not know how to process a credit card refund or write in XXXX, I wrote out the transaction details and XXXX amounts under his direction. Crucially, the merchant signed his name, wrote his shop name, and applied his official business stamp to this document. This is an explicit, written admission by the merchant that he charged my cards and failed to process the required refunds. The bank has ignored a document stamped by the merchant admitting he holds my funds. 2. THE DEPOSIT REFUND TIMELINE PROVES CANCELLATION : To place the order, I originally gave the merchant a separate {$1100.00} USD cash deposit. Following my formal cancellation on XX/XX/XXXX due to his tax violations, it took over a week of continuous disputes to force the merchant to return the equivalent of that cash deposit in small, fragmented installments of XXXX XXXX to my husband. The merchant 's slow, multi-day cash repayment process completely refutes his claim to the bank that this transaction was a simple, finalized sale delivered on XX/XX/XXXX. It proves the contract was canceled, unfulfilled, and heavily disputed while I was still in-country. XXXX. THE MATHEMATICAL PROOF OF MERCHANDISE ARBITRAGE & CITI PRECEDENT ( EXHIBIT E ) : XXXX successfully processed a merchant credit adjustment for this exact cross-border fraud case under XXXX XXXX Number XXXX. XXXXXXXX XXXX final statement ( Exhibit E ) completely exposes the merchant 's cross-border fraud strategy. The merchant is a master manipulator who issued a deceptive manual partial credit of {$1000.00} directly to my Citi account to shortchange the original {$1100.00} charge. The merchant is now using the receipt from this single, partial Citi credit as a fraudulent piece of " evidence '' sent to Synchrony Financial to claim they settled the entirely separate {$1100.00} transaction. This statement proves, the merchant is running a multi-bank arbitrage scheme, using XXXX partial bank payment to counterfeit resolutions across XXXX distinct financial institutions. 4. ANTICIPATION OF CCTV FRAUD & PATTERN OF ILLEGAL ACCOUNTING ( EXHIBITS F, F-2 ) : The merchant operates a storefront with security cameras. I formally warn the investigator that the merchant may attempt to submit CCTV footage of me holding my own personal engagement ring to fake a delivery. I brought my pre-owned engagement ring into the shop to fix loose diamonds. The merchant ultimately charged me nothing ( {$0.00} ) due to our confrontation. I possess older, historical photo documentation ( Exhibit F ) and the original unlined XXXX wedding estimate slip ( Exhibit F-2 ) featuring the company colors and header from when we originally purchased the ring. Exhibit F-2 itemizes the original XXXX XXXX in XXXX XXXX, establishes the complete physical history of the engagement ring I already owned, and exposes an institutional generational pattern of this merchant utilizing informal, non-tax compliant 'Estimate ' stationery to conduct transactions off the federal books. 5. THE FRAUD FREEZE TIMELINE CONTRADICTION ( EXHIBIT D ) : The duplicate terminal slips the bank accepted as " proof of delivery '' ( Exhibit D ) are dated XX/XX/XXXX. On this exact date, the bank 's own fraud department had completely frozen the funds as a suspected fraudulent transaction. The funds did not clear until several days later. It is a logical and physical impossibility for a merchant to manufacture and deliver finalized, custom-stamped merchandise on the exact same day the funds were frozen and completely unpaid. 6. ILLEGAL CONTRACT FORMAT & NO DESCRIPTION ( EXHIBIT B ) : Under XXXX federal law, a legal jewelry tax invoice must itemize the specific product type ( e.g., custom bangles ), gross/net gold weights, and purity. The slip provided by the merchant ( Exhibit B ) generically says " jewelry '' with no description or breakup. Furthermore, the contract line explicitly marked " Customer Signature '' is completely BLANK. My actual credit card terminal swiping slips ( Exhibit D ) are entirely UNSIGNED. 7. GROSS SECURITY DATA BREACH & EVIDENCE FABRICATION ( EXHIBIT C ) : The merchant has provided fabricated documentation. As definitive proof, they uploaded the private government ID and a blank, unsigned credit card terminal slip belonging to an entirely unrelated individual named " XXXX XXXX '' ( Exhibit C ) into my private file. The bank is actively validating documents tied to a severe international data breach and identity theft. 8. VIOLATION OF GOLD MANDATES ( NO XXXX CODES ) : Since XX/XX/XXXX, the XXXXXXXX XXXX XXXX Standards ( XXXX ) strictly prohibits the sale of gold jewelry without a unique, XXXX alphanumeric XXXX code stamped on the metal and logged in the government database. The merchant 's slip lists NO XXXX codes, proving the custom bangles were never manufactured, legally hallmarked, or authenticated. 9. TAX EVASION UNDER XXXX LAW : Under XXXX Income Tax Rule XXXX, merchants must collect an XXXX XXXX number for jewelry purchases exceeding XXXX XXXX ( ~ {$2400.00} USD ). My total was {$4900.00}. I do not possess an XXXX XXXX number, and none was provided. The bank is honoring an illegal, off-the-books " XXXX '' paper slip used for tax evasion. MY CHRONOLOGICAL TIMELINE DISPROVES DELIVERY ( EXHIBITS A, G ) : - XX/XX/XXXX : Arrived in XXXX, XXXX ( Proven by Passport Entry Stamp - Exhibit A ). - XX/XX/XXXX : Placed initial custom order for XXXX Punjabi-script bangles. - XX/XX/XXXX : Formally canceled the order upon discovering the merchant 's tax non-compliance. The merchant refused to void the terminal transactions and failed to process any credit card refunds. - XX/XX/XXXX : Departed XXXX back to the United States ( Proven by Flight Itinerary - Exhibit A, and XXXX XXXX disruption camera logs - Exhibit G ). Because I canceled the order 8 days before my departure, because the contract lacks my signature, and because the merchant can not produce legally required XXXX tracking codes or a XXXX invoice, physical delivery was an absolute impossibility. I demand an immediate manual override, the removal of all backdated interest and finance fees, and a full reversal of the original funds.

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