Credit card -- Problem when making payments -- Complaint #18550704
Complaint Overview
Complaint ID: 18550704
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Georgia
ZIP Code: 314XX
Date Received: 2026-01-07T12:00:00-05:00
Date Sent to Company: 2026-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I made a payment in the amount of {$1700.00}, which exceeded the required minimum payment. At the time of payment, my account carried : A 0 % promotional financing balance of {$1200.00}, of which {$38.00} was due. A XXXX statement balance of {$470.00} consisting of regular purchase transactions subject to a higher APR. A non-posted balance of {$1200.00} consisting of regular purchase transactions subject to a higher APR. This balance would have applied to the XXXX statement. Despite this, the payment amount in excess of the {$470.00} and {$38.00} for a total of {$510.00} was applied to the 0 % promotional balance rather than to the non-posted revolving balance carrying the higher interest rate. I did not provide any instruction directing the payment to be applied to the promotional balance, nor was the promotional period within the final XXXX billing cycles prior to expiration.
Frequently Asked Questions
What is Complaint #18550704 about?
Complaint #18550704 was filed against Synchrony Financial regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2026-01-07T12:00:00-05:00.
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.