Credit card -- Closing your account -- Complaint #16225076
Complaint Overview
Complaint ID: 16225076
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Maine
ZIP Code: 040XX
Date Received: 2025-09-27T12:00:00-05:00
Date Sent to Company: 2025-09-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> I pain {$2500.00} on my account that had a balance of {$3400.00} and Ive never had any letters or problems with my account never late and paid early XXXX XXXX of time and always over min. Payment!!!! Im getting scammed by a credit card company because Ive paid down on my bill so interest is so much lower on my balance and they didnt like that! They used I got two payments returned as excuse! Look idk what they pulled but I never got no returned payment and when I paid these two payments they took over 2 weeks after I paid and it was posted to remove from bank account but payment was still never late ever! They also refunded me one of the two supposed returned payments because they knew they were wrong! So officially I only had one returned payment that still wasnt late and took XXXX weeks to withdraw from bank and thats after I paid it and they posted it to my account! They r trying to mess my account and credit score up by doing this BS! Its not right, fair, and completely a scam to mess my perfect payments and on time! They did it just a week after paying it down which is wrong! Once I got that I paid the whole account off days later! Its been now almost a month and dispute after dispute the company says on my credit report I owe {$1100.00} or so as balance and I have payment dates and also have my statement showing XXXX balance and its been XXXX for a month or more but they dont correct it because they r trying to damage my credit score!!!!! This is something they need to held accountable for! They need to fix it to zero balance and correct my closed account as I paid it and closed it not them for unfounded reasons just to make me look bad and my credit. Also someones trying to get credit cards loans etc using my credit report! Ive locked my credit account so no one can run it! And its been safe so far!
Frequently Asked Questions
What is Complaint #16225076 about?
Complaint #16225076 was filed against Synchrony Financial regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-09-27T12:00:00-05:00.
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.