Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4798848
Complaint Overview
Complaint ID: 4798848
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Florida
ZIP Code: 320XX
Date Received: 2021-10-11T12:00:00-05:00
Date Sent to Company: 2021-10-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I made XXXX purchases on XX/XX/21 at Lowe 's store while in Ohio from Florida. I went online to pay bills on XX/XX/21 and to my disbelief I was shown 4 days late on my payment. I called Lowe 's ( Synchrony Bank ) and talked with a rep who said their billing cycle is on the 7th of the month and therefore I was late. However, after discussion, the rep told me she would deduct the late payment and finally told me they would not report the payment as late to the credit bureaus. Even with that, I thought I should have 30 days from the date of purchase before a payment is due. According to their standards, if I make a XXXX purchase on the XXXX a payment becomes due the following day. I have many credit cards and several through Synchrony and have never been late on any payment in over 15 years.
Frequently Asked Questions
What is Complaint #4798848 about?
Complaint #4798848 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2021-10-11T12:00:00-05:00.
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.