Credit card -- Other features, terms, or problems -- Complaint #11557168
Complaint Overview
Complaint ID: 11557168
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Florida
ZIP Code: 32907
Date Received: 2025-01-15T12:00:00-05:00
Date Sent to Company: 2025-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I paid the full balance of {$2800.00} on my Venmo card on XX/XX/XXXX. The next day I noticed that the same amount was withdrawn from my XXXX XXXX checking account twice more. Totaling {$5200.00}. I called Synchrony and explained that {$2800.00} has been withdrawn from my account a total of 3 times. One of the payments belong to Synchrony and the other XXXX should be in my XXXX XXXX checking account. The representative said thats not possible so I asked to speak to a supervisor and he told me I need to wait XXXX to 14 days. I asked why and he said thats our policy. I said I understand but thats my money. I ask why the card read declined when I have {$5200.00}, but yet online it reads negative {$5200.00}. I called everyday for 4 days in a row.The representatives continued to tell me it would take 10 to 14 days to post .I explained to them that I had paid the full balance of the Venmo credit card and the remainder of the money in the Venmo account is my money. The representative said Synchrony will mail a check and it will take 10 to 12 days before I receive the check I told the representative that I need the money now and ask if Synchrony can just keep the {$5200.00} due to me on the Venmo credit card and I will use the card to pay bills and necessities. The representative said I will get the credit on XXXX, XXXX. I called Synchrony bank on the XXXX and said, I still see a negative {$5200.00}, she said it wont post till after midnight. I said to the representative thats the XXXX then and not the XXXX as you stated. I looked at my Venmo card on XX/XX/XXXX at XXXX XXXX and have yet to receive + {$5200.00}. The payments on all of my credit cards had cleared within 3 days. Synchrony will not release my funds and I dont understand why.
Frequently Asked Questions
What is Complaint #11557168 about?
Complaint #11557168 was filed against Synchrony Financial regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-01-15T12:00:00-05:00.
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.