Credit card -- Getting a credit card -- Complaint #17923780
Complaint Overview
Complaint ID: 17923780
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Delay in processing application
State: Ohio
ZIP Code: 435XX
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
On XX/XX/year>, me and my girlfriend arrived at XXXX department store. My complaint is that upon purchase of a pole barn at XXXX department store, I was told i needed to apply for only XXXX card to purchase a pole barn and some tools. My girlfriend was a witness. A representative of XXXX processed XXXX store credit card for us. The store representative acknowledged there was an oversight on his part. He noticed that after we were approved of the first card, there was insufficient funds available with the store credit we were approved for. We were told by the store " rep '' ( representative ), that in order to get the complete purchased we needed to apply for another card. I reluctantly did so. The sales rep ( we have his name and title ) told us along with another sales rep that we could trick the " system, '' eventually we had to apply for multiple cards to finish the purchase. The whole process took an entire week. As of today, i am paying extremely high interest rates and we do not understand exactly what we are paying for. there were multiple cards canceled and reissued. I am a veteran ; we are senior citizens.
Frequently Asked Questions
What is Complaint #17923780 about?
Complaint #17923780 was filed against Synchrony Financial regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
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.