Credit card -- Problem with a company's investigation into an existing problem -- Complaint #16763055
Complaint Overview
Complaint ID: 16763055
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 94544
Date Received: 2025-10-22T12:00:00-05:00
Date Sent to Company: 2025-11-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to SYNCB/CARE CREDIT dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since SYNCB/CARE CREDIT did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXX immediate compliance with FCRA requirements. SYNCB/CARE CREDIT XXXX
Frequently Asked Questions
What is Complaint #16763055 about?
Complaint #16763055 was filed against Synchrony Financial regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-10-22T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.