Credit card -- Problem with a purchase shown on your statement -- Complaint #16432602
Complaint Overview
Complaint ID: 16432602
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 91401
Date Received: 2025-10-07T12:00:00-05:00
Date Sent to Company: 2025-10-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a CareCredit account in XX/XX/XXXX and made a purchase of {$1800.00} under an XXXX interest-free promotion. I have made all required payments each month and recently paid off the remaining {$830.00} principal in full. In XX/XX/XXXX, I was unexpectedly charged {$710.00} in retroactive interest, because the system applied only a XXXX promotional period instead of the XXXX months that were promised. CareCredit customer service refused to correct the issue over the phone, saying they could not adjust the promotion. I am requesting that Synchrony Bank review the merchant-submitted promotional code and remove the {$710.00} interest charge, since I already paid off my full balance on XX/XX/XXXX. Please investigate and provide a written response.
Frequently Asked Questions
What is Complaint #16432602 about?
Complaint #16432602 was filed against Synchrony Financial regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-10-07T12:00:00-05:00.
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.