Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #13854969
Complaint Overview
Complaint ID: 13854969
Company: Synchrony Financial
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Florida
ZIP Code: 32819
Date Received: 2025-06-02T12:00:00-05:00
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: Web
Consumer Narrative
I am writing to express my deep dissatisfaction with the treatment I have received from Synchrony Bank, particularly regarding my Care Credit card, which is linked to a payment plan I arranged with my dentist. The original agreement was for 36 monthly installments, and the first two payments were made as scheduled. However, on XX/XX/XXXX, an unauthorized automatic debit of {$4100.00} ( the full balance ) was withdrawn from my account, leaving it overdrawn. I immediately contacted customer service via chat and requested a refund for the unauthorized charge, which was confirmed and processed within three days. To my shock and desperation, on XX/XX/XXXX, the full amount was charged again, without any warning or explanation, once again overdrawing my account now by more than {$3000.00}. When I contacted support, I was told that the previous refund was a mistake and that I now have to wait 7 to 15 business days for a resolution.
Frequently Asked Questions
What is Complaint #13854969 about?
Complaint #13854969 was filed against Synchrony Financial regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-06-02T12:00:00-05:00.
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 (Checking or savings account) 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.