Credit card -- Fees or interest -- Complaint #13833955
Complaint Overview
Complaint ID: 13833955
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Texas
ZIP Code: 78247
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I opened a Synchrony Home Design credit card on XX/XX/year>. I made purchases and then paid the entire balance in full $ XXXX XX/XX/year>. I had a {$0.00} balance at that point. Despite this, Synchrony charged me {$84.00} in interest on XXXX XXXX same day I paid in full. They later claimed my due date was XX/XX/XXXX, just XXXX days after I opened the account, and began adding interest and late fees. I never received a first billing statement before paying in full. Now they claim my account is past due and have increased the amount owed to {$160.00} through added fees. I contacted Synchrony multiple times through chat to dispute this charge and request documentation, including the billing cycle dates, grace period terms, and the exact reason for interest being assessed. They refused to remove the charge and stated that even payments made before a statement is generated can result in fees, which contradicts standard credit card practices. I am now being threatened with collections and negative credit reporting for a charge that I should not owe. I am requesting a full reversal of all interest and late fees, written confirmation that my account is not past due, and assurance that this will not impact my credit.
Frequently Asked Questions
What is Complaint #13833955 about?
Complaint #13833955 was filed against Synchrony Financial regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-06-01T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with monetary relief". 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.