Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
Starting Monday, XX/XX/year>, contact was made with the seller on XXXX and through phone number as we agreed to establish as our main method of communication. The seller, who's name allegedly was XXXX on XXXX, headed out with the XXXX XXXX Embody office chair to get it shipped from XXXX, Idaho. He sent me the image of the receipt later that same day, hiding the tracking number with a key. On the receipt, it said that the package was to be delivered on Thursday, XX/XX/year>. We conversed after that on how I was to pay for the package. XXXX the seller wanted me to use XXXX, and as my bank account linked to XXXX did not have enough to pay for it on the spot, which was a total of {$580.00}. Since we later agreed to use Venmo, XXXX came up with some excuse that he could not create a Venmo account and asked that I sent the money to his friend who went by the handle @ XXXX XXXX Venmo. So, I sent the {$580.00} to her on Venmo using the Venmo XXXX Credit Card as the method of payment so I could later pay it when my paycheck came through. Since there were extra fees involved of {$17.00} on my side, that brought the total charge on the credit card to {$600.00}. XXXX later contacted me saying that XXXX had seen the payment, clicked accept, and later observed that the money transfer failed. XXXX and I agreed after to splitting the payment into XXXX installments of {$290.00}. It turns out that XXXX 's bank had frozen her account, so at the time, I could not send her the XXXX installments because her name would not show up on the Venmo app any longer. XXXX XXXX XXXX offered a different contact to send the money to, someone with the handle @ XXXX XXXX I also could not find who that was on Venmo for some reason as the person did not show up. Later, after XXXX apparently got her bank to unfreeze her account, I ( forgetting about splitting the payment for some reason ) sent the {$580.00} payment to her again, another charge of {$600.00} on my credit card, bringing the total charge to {$1200.00} on my Venmo XXXX Credit Card. Later, XXXX said that the payment failed again and sent me a screenshot showing that the payment failed indeed. On my end it did not show anything about failed payment though. So, XXXX told me to split the payment into {$380.00} and {$200.00}, which I did, which respectively charged ( including the fees ) {$390.00} and {$200.00}. This brought my total charge on my Venmo XXXX Credit Card to {$1800.00}. XXXX told me that XXXX apparently was able to receive the {$200.00} but the {$380.00} failed. So, he instructed me to pay the {$380.00} into XXXX transactions of {$200.00} and {$180.00} respectively. When I tried again to send the $ XXXX {$180.00} the transaction was being declined on my end. I was not sure why at the time, but later I figured that it was because my Venmo XXXX Credit Card was being maxed out as my credit limit was {$2000.00}. I was expecting that Venmo would undo the failed charges of {$600.00}, {$600.00} and {$390.00} as XXXX told me they failed. Later, I tried sending {$100.00}, and that worked out, charging {$100.00} more to my Venmo XXXX Credit Card, bringing the total balance on the card to {$1900.00}. XXXX instructed that I send the remaining {$280.00} that I apparently still owed into XXXX payments of {$100.00}, {$100.00}, and {$88.00}. XXXX told me to try another contact with a handle of @ Teneshia-Edwards. The payment also failed as I tried to send the {$280.00}, unknowing of the fact that my credit card was maxed out. I found out then that Venmo completed charging the XXXX charges of {$600.00}, which was not supposed to happen because I was told by XXXX that they did not go through. I contacted Venmo and filed dispute on this. At this point, based on XXXX 's point of view, XXXX received {$300.00}, and I still owed XXXX {$280.00}. Come Thursday, XX/XX/year>, when the package was supposed to be delivered, it did not come that day. I agreed to XXXX the rest of the money if the package arrived, and I verified that it was what I purchased. XXXX told me the XXXX it would come to my house would be on Friday, so Friday came and went, and it did not come. On Saturday, I asked XXXX to send me proof that the package was on its way, and he said he would, but since then, I tried to contact him for update on sending the proof and he never ever responded to me ever again. The last I messaged him was Sunday, XX/XX/XXXX. I realized that the package was never truly sent out, and that I had just been scammed about {$2000.00}.

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 monetary relief