Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX, I had transmission issues on my XXXX XXXX XXXX XXXX, so I had it towed to XXXX XXXX which my truck got damage between the tow truck driver they provided and XXXX XXXX. XXXX XXXXXXXX confirms that I did have an issue with my transmission the same day. XXXX  XXXX asked me how would I be paying for the work on my truck I explained to them I was unsure because my mother just passed away, and I didn't know how much I would have to spend on her funeral. XXXX XXXXXXXX informed me that I could finance through Synchrony Bank which I have finance through them a couple of times without any issues. XXXX XXXXXXXX asked did I want them to send the link to Synchrony Bank just in case if I need to use them. XXXX XXXXXXXX sent the link, but it wouldn't work on my end. XXXX XXXXXXXX asked me was it ok for them to try it on their end and I said yes. XXXX XXXXXXXX not only tried it on their end they ran my credit card without my permission and almost max it out before they even started on my truck and I didn't find out until I went to pick up my truck. When I went to pick up my truck XXXX XXXX was showing me on paper what they had done, and they wanted me to sign to acknowledge work they had done. After I signed for the work, they had done I was ready to do my payment which I always pay something down anytime I use Synchrony Bank ( Synchrony Bank can check my history ). The reason I always put something down so that my credit score wouldn't drop to low. I explain to Synchrony Bank what XXXX XXXX had done, and they claim they done an investigation. Synchrony Bank did not do a proper investigation because they didn't care. A proper investigation requires you to see did anyone else complained about this company, did this company almost maxed everyone 's credit card out, did this company rig link so it wouldn't work on my end, and is this company scamming the customers. The reason XXXX XXXX is getting away with scamming and maxing Synchrony Bank customers credit card because most of them really didn't have the money to pay but I did. When I contacted Synchrony Bank explained how XXXX XXXX  scammed me, they continued to cover for XXXX XXXX, the reason they covered for them, because they had already paid them and couldn't get their money back, so they rather try to get it from me, and threaten to make my credit bad. I even offered to show Synchrony Bank my bank account to show I have thousands in the bank and make almost XXXX in retirement a month. Synchrony Bank your job is not just about making money with customers but protect them from these scammers. I have been a very loyal customer to Synchrony Bank never missed a payment and never had an issue until now. Please check out their reviews and see how XXXX XXXX is treating customers. Synchrony Bank to a proper investigation these people almost maxed my credit card out before they even started the work and without my test driving my truck. PLEASE DO THE RIGHT THING.

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