Anonymous
Problem with a purchase shown on your statement: Credit card
I am disputing Synchrony Bank 's continued reporting of an account and transactions that I maintain were fraudulent and unauthorized. I reported the fraud and have repeatedly requested the evidence Synchrony relied upon to conclude that I authorized the transactions. Instead of providing proof, Synchrony has repeatedly issued denial letters stating that payments were made on the account, statements were mailed, and that they believe I participated in or benefited from the transactions. Synchrony has failed to provide critical evidence such as the original signed application, authentication records, IP addresses, device information, merchant delivery records, shipping confirmations, or other documentation proving that I personally authorized the disputed transactions. I have filed fraud reports and provided supporting documentation. Despite my repeated requests, Synchrony continues to report the account and maintain its position without providing competent evidence supporting its conclusions. I am requesting that Synchrony conduct a reasonable reinvestigation, provide all evidence relied upon in reaching its determination, and correct or delete any inaccurate information being reported to the credit reporting agencies if it can not establish that I authorized the disputed transactions. I believe Synchrony 's investigation was inadequate because it relied on assumptions rather than verifiable evidence demonstrating that I authorized or benefited from the disputed transactions.
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