Credit card -- Advertising and marketing, including promotional offers -- Complaint #19913471
Synchrony Financial Accused of Misleading Promotional Offers on Store Credit Cards
Complaint Overview
Complaint ID: 19913471
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: California
ZIP Code: 95051
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-03T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The complaint suggests a potential pattern of deceptive advertising or marketing practices, which could lead to regulatory scrutiny and consumer harm if widespread.
Consumer Sentiment: negative
Topics: Credit card, Store credit card, Advertising and marketing, Promotional offers
AI Analysis
CFPB complaint 19913471 was filed against SYNCHRONY FINANCIAL regarding Credit card (Store credit card), specifically about "Advertising and marketing, including promotional offers". A consumer filed a complaint against Synchrony Financial regarding a store credit card, alleging they did not receive advertised promotional terms. The complaint was received on February 28, 2026 from California. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all terms and conditions of promotional offers before applying for credit and keep records of any advertised benefits.
Legal Context & Consumer Protection Laws
This case falls under consumer protection laws related to advertising and credit practices, potentially including the Truth in Lending Act (TILA) and FTC regulations.
Regulatory Insight
Regulators are increasingly focused on ensuring that advertised promotional terms are clear, accurate, and consistently applied to prevent consumer deception.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in California, a state known for its robust consumer protection laws and active enforcement.
Industry Comparison
This issue is common across the credit card industry, where promotional offers are frequently used to attract customers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19913471 about?
CFPB complaint 19913471 involves Credit card (Store credit card). The consumer reported an issue with "Advertising and marketing, including promotional offers", specifically "Didn't receive advertised or promotional terms". This complaint was filed against SYNCHRONY FINANCIAL on February 28, 2026.
Which company is complaint 19913471 filed against?
Complaint 19913471 was filed against SYNCHRONY FINANCIAL. You can view all complaints against this company on their profile page at /company/synchrony-financial.
What was the company's response to complaint 19913471?
SYNCHRONY FINANCIAL responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19913471 filed?
Complaint 19913471 was received by the CFPB on February 28, 2026. It was sent to SYNCHRONY FINANCIAL on March 3, 2026.
What state was complaint 19913471 filed from?
Complaint 19913471 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 19913471?
Dispute information is not available for complaint 19913471.
What product category is complaint 19913471 about?
Complaint 19913471 is categorized under "Credit card", specifically "Store credit card". This is one of the product categories tracked by the CFPB.
How was complaint 19913471 submitted?
Complaint 19913471 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19913471?
This case falls under consumer protection laws related to advertising and credit practices, potentially including the Truth in Lending Act (TILA) and FTC regulations. This relates to a Credit card complaint against SYNCHRONY FINANCIAL involving "Advertising and marketing, including promotional offers".
How likely is complaint 19913471 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19913471?
This complaint is rated as medium risk. The complaint suggests a potential pattern of deceptive advertising or marketing practices, which could lead to regulatory scrutiny and consumer harm if widespread.
What regulatory actions apply to complaint 19913471?
Regulators are increasingly focused on ensuring that advertised promotional terms are clear, accurate, and consistently applied to prevent consumer deception. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19913471?
Consumers should carefully review all terms and conditions of promotional offers before applying for credit and keep records of any advertised benefits.
Are there state-specific protections for complaint 19913471?
The complaint originated in California, a state known for its robust consumer protection laws and active enforcement. This complaint was filed from California.
How does complaint 19913471 compare to industry norms?
This issue is common across the credit card industry, where promotional offers are frequently used to attract customers.
What specific advertised terms were not received by the consumer?
The complaint does not specify the exact promotional terms that were not honored, but it implies a discrepancy between what was advertised and what was provided.
What is the current status of the complaint?
The complaint is currently 'In progress' and has been referred, indicating it is under active review or investigation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.