Credit card -- Fees or interest -- Complaint #18638052
Complaint Overview
Complaint ID: 18638052
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: New York
ZIP Code: 11101
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made a purchase at XXXX on XX/XX/XXXX using a Synchrony CareCredit account that was advertised as no-interest promotional financing. The deferred-interest terms were not clearly explained at enrollment. I made consistent good-faith payments throughout the promotional period. When the promotion ended, a disproportionate amount of deferred interest posted at once, exceeding reasonable expectations based on the original balance. On XX/XX/XXXX, I contacted Synchrony to request a one-time promotional interest waiver due to the lack of clear disclosure and my consistent payment history. The request was denied. I am requesting review and adjustment of the deferred interest charges.
Frequently Asked Questions
What is Complaint #18638052 about?
Complaint #18638052 was filed against Synchrony Financial regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2026-01-11T12:00:00-05:00.
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.