Credit card -- Problem with a purchase shown on your statement -- Complaint #10965500
Complaint Overview
Complaint ID: 10965500
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Texas
ZIP Code: 77429
Date Received: 2024-11-28T12:00:00-05:00
Date Sent to Company: 2024-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The highest balance on this SYNCHRONY BANK TJX card was {$950.00}. According to my email receipts, on XX/XX/XXXX, I submitted a payment of {$950.00} in an attempt to pay this card off in FULL. Synchrony bank rejected this payment and sent the payment back without notice. Instead of communicating this rejection to me, SYNCHRONY sent notice of a past-due balance on my account. Even when shown proof that I made an attempt to pay the full balance off and had ZERO communication from SYNCHRONY that my payment was sent back, SYNCHRONY made a negative mark on my credit report and refused to rectify this issue. I then made another payment on XX/XX/XXXX for {$800.00}, which left my balance at {$150.00}. This payment was accepted, and when I called SYNCHRONY to confirm the payment was accepted, I was informed that my account was closed because of a late payment, which was FALSE. As of XXXX, Synchrony is claiming that I have a balance of {$780.00} on this account that has been closed since XX/XX/XXXX. SYNCHRONY has a history of predatory practices against consumers like myself, and SYNCHRONY 'S predatory, false and arguably immoral credit reporting has been a major negative stain on the health of my credit. Additionally, because of this fraudulent reporting by SYNCHRONY TJX, my credit account with SYNCHRONY ASHLEY FURNITURE was closed as well, despite having XXXX missed payments. This fraudulent negative mark on my credit report recently caused ALL 3 of my CAPITAL XXXX credit cards to be closed altogether as well, despite all XXXX accounts being in good standing. I have since opened an investigation to try and get XXXX XXXX to reopen my accounts, but the chances of success are low, as XXXX XXXX is citing that their decision was based on this negative reporting from SYNCHRONY TJX. SYNCHRONY Bank 's fraudulent, predatory behavior has truly been the source of much mental and emotional stress in my life. To this day, I wish that I had the due diligence to do my research on SYNCHRONY bank prior to opening store credit cards with them, because this entire experience has been so exhausting to deal with and my credit has not yet been able to fully heal from this. After over a year of research I've learned that my case is NOT unique, and I am not alone in this experience. I urge the CFPB to do something and bring SYNCHRONY to justice. American consumers like myself are suffering greatly.
Frequently Asked Questions
What is Complaint #10965500 about?
Complaint #10965500 was filed against Synchrony Financial regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-11-28T12:00:00-05:00.
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.