Credit card -- Problem when making payments -- Complaint #14472028
Complaint Overview
Complaint ID: 14472028
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Florida
ZIP Code: 33712
Date Received: 2025-07-04T12:00:00-05:00
Date Sent to Company: 2025-07-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
Synchrony Bank is very sneaky about applying your payments to the previous month and not allowing the payments to satisfy the minimal amount due so they report a late payment if your payment is paid the previous month in full and all payments before your due date goes to the previous month and not the following months predatory I made XXXX payments in XXXX month for XXXX times the amount of minimal due and when the following month came they said that all of those payments were applied to the prior month and gave me a late date of payment the same day it was due said it was applied to the following day and gave me a late payment for no reason at all whatsoever
Frequently Asked Questions
What is Complaint #14472028 about?
Complaint #14472028 was filed against Synchrony Financial regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2025-07-04T12:00:00-05:00.
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.