Credit card -- Fees or interest -- Complaint #13927894
Complaint Overview
Complaint ID: 13927894
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 92117
Date Received: 2025-06-05T12:00:00-05:00
Date Sent to Company: 2025-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to express my concerns regarding my account. After logging in today, I realized that I have been charged a late fee of {$43.00} every month for the past two years. I typically make my payment on the third of each month. However, I have incurred a total of {$510.00} in late charges over approximately 12 months due to the company not sending me my monthly statements by mail. I do not understand why I stopped receiving these statements, as they are crucial for tracking my payments and avoiding late fees. I was unaware I was being charged late fees until I accessed my account online today. During my conversation with XXXX, the manager, I found her response to be very rude and dismissive. She threatened to hang up on me and refused to discuss any compensation for the late charges. XXXX insisted that I had opted for online statements, but I did not choose that option. I feel that her behavior misrepresents the company, and this is not the first negative experience I have had with them.
Frequently Asked Questions
What is Complaint #13927894 about?
Complaint #13927894 was filed against Synchrony Financial regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-06-05T12:00:00-05:00.
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.