Credit card -- Fees or interest -- Complaint #18447467
Complaint Overview
Complaint ID: 18447467
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Florida
ZIP Code: 33614
Date Received: 2026-01-03T12:00:00-05:00
Date Sent to Company: 2026-01-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had scheduled a payment to my Venmo Credit Card from my XXXX bank account. A few days later, I closed that bank account, and unfortunately the payment didnt fully settle before the account was closed, which caused it to be returned. I want to be clear that I was actively trying to make my payment and I always pay my balance on time. This was an honest timing mistake related to closing my bank account, and not an intentional missed payment. Ive never had an issue like this before. Because of my positive payment history and the circumstances, Im kindly requesting a one-time courtesy reversal of the {$30.00} returned-payment fee charged on XX/XX/year>. I contacted customer service to request a waiver, explaining my perfect payment history and that this was an isolated incident. The representative told me there was nothing they could do to help. I then asked to speak with a supervisor, but they also said there was no option to reimburse or remove the {$30.00} fee. Im escalating the complaint to CFPB because I believe a one-time waiver would be a fair and reasonable resolution given my history of on-time payments.
Frequently Asked Questions
What is Complaint #18447467 about?
Complaint #18447467 was filed against Synchrony Financial regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2026-01-03T12:00:00-05:00.
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.