Synchrony Financial Credit Card Complaint

Identity theft / Fraud / Embezzlement

Synchrony Financial Credit card department,

Identity theft / Fraud / Embezzlement Colorado

A Florida company named " - '' obtained information about a time share we owned, They cold called my spouse wanting to list the time share property for sale. her response was " no we do not need your services ''. - then proceeded to produce and execute a contract for the property anyway without the knowledge that we terminated our interest in the timeshare through Timeshare exit team / -. 6 months prior. When - executed the contract it had the last 4 digits of a credit card which has never been in my possession, no CC number was ever given to them and they somehow managed to get a valid number on my PayPal account. When I noticed an - dollar charge on my credit card I immediately called PayPal / Synchrony bank and told them the charge was fraudulent.They then investigated the charge and concluded it was valid because there were internet transmittal information and a - signature on the contract. We disputed the proof they had and submitted and sent them our proof of termination of the timeshare 6 months prior the the execution of - contract. The contract Synchrony sent us as evidence had been altered on the last 4 of the credit card number from the one I obtained from -. Again I disputed this discrepancy, they re investigated and still refused to acknowledge that this was a fraudulent charge.After countless harassment calls from Synchrony for collection on the debt they submitted the case to - for collection. I submitted a letter and documentation explaining that the charge was not valid and no further contact has been made by them. Next I filed a Better Business Bureau case # - on Lifetime and # - on Synchrony Bank, Lifetime did not respond at all and Sychrony denied the withdraw of the charges. Now I am writing CFPB in hopes that someone can help me resolve this matter.

Synchrony Financial customer in Colorado
Mar 21, 2017

* Source: CFPB Complaint Database

Synchrony Financial response to complaint:
Closed with explanation

Consumer disputes how Synchrony Financial handled their complaint

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