Consumer complaint received 2025-12-29 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: SD

Complaint narrative:
XX/XX/XXXX had a {$53.00} charge show up on my JCPenney Visa Card to XXXX XXXX. I had used their trial service which was a {$5.00} refundable charge after completing the call. You had to fill out their subscription form that you could cancel at any time. I canceled that at the same time the call was completed so I would receive the refund. After checking my account, I found that they had put on a {$53.00} charge already when I had already canceled it and did not authorize the charge. I spoke to a rep named XXXX and explained the issue she said she would transfer me to representative to speak to a live person since I should not have been charged anything which she did, but they did not pick up instead I got a message stating he could not do live calls to fill out the form ( which was the same from before ) I did not fill it out because I did not want to be caught again in the same situation. I then contacted the credit card company who intern transferred me to the fraud department to file a claim and said she is canceling my card and sending a new one and submitting the claim. 
XX/XX/XXXX I checked my statement and interest charges, and late fees were applied to called credit card again and was told no fraud claim has been filed so once again was transferred to fraud department after again being told they are canceling the new card and sending another. Explained the charges to representative and said she will file the complaint and she agreed to remove the {$4.00} interest and {$3.00} late fee and was told would not be responsible for the unauthorized {$53.00}. I asked what the amount is to pay off the account and was told that the amount would be {$140.00} after taking the fraud amount. I paid that to her over the phone XX/XX/XXXX and she assured me that I would owe nothing that I have a {$0.00} balance. 
XX/XX/XXXX I call back in because I checked my account after receiving a payment is due email and talked to XXXX who said she would have to transfer me to someone else. Was transferred to XXXX who I again explained the situation and that interest and late fees have been applied and that I paid the balance of {$140.00} in XXXX and was told that takes care of everything other than the {$53.00} fraud amount. He told me that I did not pay the balance off which I told him I have always paid my balances in full and did not miss any payments. he then tried to say I didn't pay a balance in XXXX which on my records I paid {$210.00} which was full amount due then he tried to tell me that the {$140.00} did not pay the balance in XXXX which I told him I paid what the representative I was talking to told me what I paid takes care of what I owe and not responsible for any more. He said she told me wrong then which I said that if that is the case I am not responsible for her error. He refused to take off fees and said I didn't pay balance due. Advised him I am not paying this balance. 
After having filed the fraud 3 times due to someone dropping the ball and receiving three JCPENNY Visa Credit Cards within the time of this starting of fraud report I am still receiving a notice for {$94.00} ( the {$53.00} fraud charge and fees ). I have not activated the last card sent and do not intend to and will be canceling my account that I have had since XXXX and has always been in good standing with full monthly payments. 
The Credit Card uses Synchrony for payments and when looking into their history with other credit card users this has been an issue with them charging and refusing to correct the issue.

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