Credit card -- Problem when making payments -- Complaint #10750211
Complaint Overview
Complaint ID: 10750211
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
State: Massachusetts
ZIP Code: 022XX
Date Received: 2024-11-10T12:00:00-05:00
Date Sent to Company: 2024-11-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I opened an Amazon-Synchrony store card account. The card automatically got set as my default XXXX card, so while I inadvertently made purchases with the card, the balance on both the Synchrony account I created and on XXXX remained unchanged. Consequently, I missed the payment deadline, which I was unaware of and had no knowledge of the balance ( it was less than {$200.00} ). Without ever notifying me to attempt to resolve the issue, they proceeded to notify a credit bureau, which resulted in my primary XXXX credit card ( a XXXX XXXX XXXX card ) getting permanently suspended. Since then, I manually made a guest payment to cover the entire balance and requested that Synchrony close out the account, delete all my personal information, and correct their report to the credit bureau. During my last call with them, an agent mistakenly conflated my data deletion request with the credit bureau correction request, claiming that both were filed on the same day. When I clarified the distinction, the agent blatantly lied and refused to budge, despite the fact that I had made the requests on separate days. This entire ordeal has caused significant inconvenience and distress. Not only did Synchrony fail to address my concerns, but it also resulted in the suspension of another credit card and damage to my XXXX XXXX. I strongly advise other consumers to exercise caution when using Synchronys products and services. Furthermore, I urge a regulatory investigation into Synchronys practices due to the high likelihood that they recently introduced these products and the concerning number of incidents involving them. I sincerely hope that Synchrony faces appropriate consequences, including financial penalties, as a result of their actions.
Frequently Asked Questions
What is Complaint #10750211 about?
Complaint #10750211 was filed against Synchrony Financial regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2024-11-10T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.