Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Customer Service XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Attn : XXXX XXXX Dear sir XXXX I have received two letters, one from Synchrony Bank addressed XXXX XXXX XXXX, XXXX, PA XXXX and one from the address of this letter, XXXX XXXX XXXX, XXXX, PA XXXX XXXX As we can see in the enclosed letter, your customer service stated that the reward certificated ending XXXX has redeemed on XX/XX/2024. However, as I have the mentioned former letters, I could not use the reward certificates ending XXXX and XXXX, and received a usable reward certificated of {$20.00} ending XXXX, which I have not used yet since I do not feel anything charming enough to buy at this moment. I keep these unusable two {$10.00} certificates with me until I will satisfy myself by getting something with this {$20.00} certificate. Therefore, I still have these unusable two certificates. Since this letter from XXXX XXXX XXXX stated ending XXXX has been used already, still I have this unusable certificate with me as the print-out indicates, the sender of this customer service must have some data mistake ; therefore, your company needs to have further investigation. 
My telephone record does not show your number or any other person calling me on XX/XX/2024. Since I have had many unwanted calls due to the illegal and fraud activities on me, I am very cautious with calls and emails ; therefore, I prefer printed communication. 
Your letter indicated the means to get the reward certificates. For the first time, I could see my reward certificates on your website www.tjxrewards.com. It is not clear this is the first time you upload the certificates on website, or I missed previously and somebody who continuously perform illegal activities might have opened my account and used those certificates. Anyway, I already have one printed certificate ending XXXX with the bill already, still I can see the certificate with same number on website. I recommend your company will fix this data system and after issuing the certificates with bill, nobody can print out to use mistakenly or illegally. As I have never seen my reward certificates in your company website, I can not understand the channel which you have mentioned in your letter. It might be a website or any other means. If you mention website, I request your company to have further investigation because I have not been able to see that channel in your website. I just believe it is not right. And if there is another meaning on channel, please explain the meaning clearly relating to the company reward certificate system. And I do not use your company app on my phone, since my phone is extremely old, and somehow, I feel safe due to the experiences of hacking from last year. 
Your letter mentioned I have purchased something in XXXX store XXXX, my website record shows I have bought something remaining {$2.00}. Even if I use the printed certificate sent by email on that day, which was also {$10.00}, I wonder why you indicate I used it as a part of a {$17.00} purchase. Since your company website purchase history does not show the detail of purchase, I just show my confusion on your mention. Maybe, your company needs another system to keep and show the customers each merchandise which he/she has bought to clarify the matter. 
The casher, who looked like an XXXX at XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, commented why I lived in this area, where I currently live. Still, I can not understand why I was asked the reason of living here, even though I have so many issues regarding the finance by illegal and suspicious activities. I just want your company to be sensitive with the victim of fraud. 
Sincerely,

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