Credit card or prepaid card -- Fees or interest -- Complaint #4433321
Complaint Overview
Complaint ID: 4433321
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 94608
Date Received: 2021-06-04T12:00:00-05:00
Date Sent to Company: 2021-06-04T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Six months ago, I placed in dispute a series of recurring internet-site charges that were showing up on my TJX credit card account backed by Synchrony Bank. I rarely used the card and had a XXXX balance before this started taking place. The bank continued to charge me for the disputed charges and continued to charge me late fees for not paying the charges I had placed in dispute. When I called on multiple occasions to recitfy the matter or get a status update, I was told a ) that the bank had received payment from the internet-site, but that it had not been properly credited to my account and b ) that they would recitfy the matter and the correction would show up in a billing cycle or two. Every month, I received a new bill, at first with additional charges by the internet-site, and also with late charges for disputed charges I would not pay. After a few more months, the new charges stopped appearing, but there never was a credit for payments received by Synchrony from the internet site, and they continued to charge me late fees and new monthly late fees. I made repeated calls and continued to be told the resolution was underway, just wait another billing cycle and it would appear. When /i realized I was getting nowhere, I wrote to the bank, and mailed my letter and copies of statements both to the billing/payment center and to the headquarters address for Synchrony printed on my statement. I received an email stating that my complaint had been received and was being addressed. Then I received two more monthly bills still showing the disputed charges and all the late fees for not paying the disputed charges. This month, in my statement for payment due XXXX, the statement finally shows the originally disputed charges credited back, and the initial late charges related to the disputed charges refunded ... but they STILL included two months of late charges upon which they are charging MORE late cjarges. i do believe ALL the late charges, which relate ONLY to the disputed charges and nothing else, need to be erased. AT this point, they are simply charging me late fees because I havene't paid the late fees on the disputed charges that they were refunded by the internet site! I have repeatedly asked TJX/Synchrony to close my account with a XXXX balance, and it seems impossible to get the account closed!!
Frequently Asked Questions
What is Complaint #4433321 about?
Complaint #4433321 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-06-04T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with monetary relief". 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 or prepaid 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.