Credit card -- Fees or interest -- Complaint #16131697
Complaint Overview
Complaint ID: 16131697
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Pennsylvania
ZIP Code: 190XX
Date Received: 2025-09-22T12:00:00-05:00
Date Sent to Company: 2025-10-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My care credit /synchrony, I only use this card for the 0 % promotions, and recently they started to charge for a paper statement, so I switch and set up a automatic payment, now recently I had a promotion expire but was never notified, it was due, so now they charge me all the interest that was accrued. A fee of XXXX and this month a charge of XXXX due to the remaining balance, no I had called and explained it. I did never ever receive a notification that the promotion was ending. At this time the guy said there was nothing they could do so I asked for a supervisor and I told him the whole situation and he also said there was nothing he could do. This is a little trick they're doing by making everyone go to online and then never notifying you that a promotion is due and then they're charging you all the interest. I find this to be very unfair. I said to the representative I would be willing to pay the balance that it was owed so I wouldn't have to pay the fee and he refused, in the last 2 years I've probably spent {$3000.00} on this card and that's the thanks I get the supervisor was XXXX id XXXX XXXX
Frequently Asked Questions
What is Complaint #16131697 about?
Complaint #16131697 was filed against Synchrony Financial regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-09-22T12:00:00-05:00.
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.