Credit card -- Problem when making payments -- Complaint #13845712
Synchrony Financial Payment Process Issue
Complaint Overview
Complaint ID: 13845712
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: New York
ZIP Code: 10029
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The issue is related to a specific payment process problem, which typically has a low risk of widespread consumer harm if addressed by the company.
Consumer Sentiment: neutral
Topics: Credit card payments, Payment processing, Synchrony Financial
AI Analysis
CFPB complaint 13845712 was filed against SYNCHRONY FINANCIAL regarding Credit card (General-purpose credit card or charge card), specifically about "Problem when making payments". A consumer reported an issue with the payment process for their general-purpose credit card issued by Synchrony Financial in New York. The complaint was received on May 31, 2025 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers experiencing payment processing issues should document all attempts, error messages, and communications with the credit card company.
Legal Context & Consumer Protection Laws
Credit card companies must ensure their payment systems are functional and comply with consumer protection laws regarding billing and payment processing.
Regulatory Insight
This complaint highlights the importance of reliable payment infrastructure and timely resolution of technical glitches to maintain customer trust and avoid regulatory scrutiny.
Resolution Likelihood
likely
State-Specific Consumer Protections
In New York, consumers are protected by state laws that may offer additional recourse for issues with financial services, including credit card payment problems.
Industry Comparison
Payment processing issues can affect any credit card issuer, but the resolution and communication strategies vary significantly across the industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13845712 about?
CFPB complaint 13845712 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem when making payments", specifically "Problem during payment process". This complaint was filed against SYNCHRONY FINANCIAL on May 31, 2025.
Which company is complaint 13845712 filed against?
Complaint 13845712 was filed against SYNCHRONY FINANCIAL. You can view all complaints against this company on their profile page at /company/synchrony-financial.
What was the company's response to complaint 13845712?
SYNCHRONY FINANCIAL responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13845712 filed?
Complaint 13845712 was received by the CFPB on May 31, 2025. It was sent to SYNCHRONY FINANCIAL on June 2, 2025.
What state was complaint 13845712 filed from?
Complaint 13845712 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 13845712?
Dispute information is not available for complaint 13845712.
What product category is complaint 13845712 about?
Complaint 13845712 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 13845712 submitted?
Complaint 13845712 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13845712?
Credit card companies must ensure their payment systems are functional and comply with consumer protection laws regarding billing and payment processing. This relates to a Credit card complaint against SYNCHRONY FINANCIAL involving "Problem when making payments".
How likely is complaint 13845712 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13845712?
This complaint is rated as low risk. The issue is related to a specific payment process problem, which typically has a low risk of widespread consumer harm if addressed by the company.
What regulatory actions apply to complaint 13845712?
This complaint highlights the importance of reliable payment infrastructure and timely resolution of technical glitches to maintain customer trust and avoid regulatory scrutiny. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 13845712?
Consumers experiencing payment processing issues should document all attempts, error messages, and communications with the credit card company.
Are there state-specific protections for complaint 13845712?
In New York, consumers are protected by state laws that may offer additional recourse for issues with financial services, including credit card payment problems. This complaint was filed from New York.
How does complaint 13845712 compare to industry norms?
Payment processing issues can affect any credit card issuer, but the resolution and communication strategies vary significantly across the industry.
What specific technical error or system failure caused the payment problem?
The provided data does not specify the exact technical error. It only states a 'problem during payment process'.
Was the issue resolved for the consumer, and if so, how?
The complaint was 'Closed with explanation,' suggesting the company provided a reason or resolution, but the specifics of the resolution are not detailed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.