Credit card -- Fees or interest -- Complaint #18669668
Complaint Overview
Complaint ID: 18669668
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: New Hampshire
ZIP Code: 03038
Date Received: 2025-10-01T12:00:00-05:00
Date Sent to Company: 2026-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I use PayPal XXXX XXXX XXXX for purchases over {$99.00}. The benefit is that the purchase is interest-free as long as it is paid in full within XXXX months. Ive used this credit line for years without issue and have never been charged interestuntil now. Each month, I set up electronic payments to all my creditors. On XX/XX/XXXX, I noticed that a recent payment had not been applied to a XXXX XXXX purchase that was nearing its expiration date. Instead, PayPal applied {$360.00} of my {$900.00} payment to a purchase I made on XX/XX/XXXX that was not due until XX/XX/XXXX. I contacted customer service immediately, and they acknowledged the error, assuring me they would look into correcting it. On XX/XX/XXXX, while preparing to set up that months payments, I discovered the same error had happened again. Of a {$500.00} payment I made, {$270.00} was once again applied to the XX/XX/XXXX purchase instead of the financing purchases due to expire. I promptly called again and was told that the issue was complex but assured I would not be charged interest. In XXXX and XXXX, my payments were applied correctly, which showed they could prevent the error going forward. However, the original misapplied payments from XXXX and XXXX were never corrected. On XX/XX/XXXX, I logged into my account and discovered that {$210.00} in interest had been charged to me for a XXXX XXXX purchase that had expired in XXXX. This charge was the direct result of PayPals earlier misapplied payments. Had those payments been properly credited, the purchase would have been paid in full before expiration, and no interest would have been incurred. That same day, I sent a detailed email requesting the reversal of the interest charge. As of XX/XX/XXXX, I have not received a reply. When I logged in today to set up my XXXX payment, I confirmed that the charge had not been reversed. After contacting customer service again, I was told there was nothing they could do and that the interest would not be refunded.
Frequently Asked Questions
What is Complaint #18669668 about?
Complaint #18669668 was filed against Synchrony Financial regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-10-01T12:00:00-05:00.
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.