Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Identity theft / Fraud / Embezzlement Pennsylvania

We had a Banana Republic - Card run by Synchrony bank. This card was stolen electronically 4 times in 4 months. That is, there were fraudulent charges made on the card while it was still in our physical possession. We were told that the fraud would be investigated but never informed of the outcome of the investigation. We were promised identity protection by - representative and then informed by another that this protection was never purchased for us and could not be awarded by the bank. After the fourth time we were informed that the card yet again had fraudulent charges on it ( - ), we requested to pay the account off in full and close the account. We informed the representative yet again that it was clear that fraud was occurring within the bank and that someone was hacking our account information as we had not lost the physical card. At this time - - -, in order to close the account, we paid in full the amount the representative told us was required to close the account. We were required to do so without being able to see our bill and assess what charges were ours and


were alerted yet again of fraudulent charges on this same credit card, which we had attempted and been told had been paid in full and closed ion -. We requested again that the account be closed and again alerted the bank of the theft history and the numerous times we were promised steps and protections by the representatives ( i.e. identity protection, documentation of the closing of the account ) that were never ultimately provided. In - we received a check for around $ - $250.00, reimbursing us for overpayment from the bank. On - - we received a bill on this closed account telling us we owed close to $700.00. When we spoke to a representative on - about this charge they informed us that the amount reimbursed to us in - was doen so in error and that the account had not be paid off or closed on - as we were informed. On - we informed the representative that we should not be held responsible for any charges made after - when we requested the account be closed and had paid the full amount we were told was required to close it. We also stated that we should not have to pay any interest related to these fraudulent charges. The bank representative informed us that he would speak to his managers about the issue but also stated that we were responsible for this $700.00 bill. We informed the bank we would not pay this charge and were filing a complaint to CFPB.