Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4827555
Complaint Overview
Complaint ID: 4827555
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Georgia
ZIP Code: 30340
Date Received: 2021-10-20T12:00:00-05:00
Date Sent to Company: 2021-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Using my Social Security Card, i opened a credit account with Synchrony bank creating a opened end consumer credit plan. The account showed an excess of {$1.00} resulting in a phone call with Consumer relations Corporate Specialist XXXX XXXX XXXX, extension XXXX. When i spoke of 12 CFR 1026.11 - Treatment of credit balances ; account termination she said she understood exactly what i was saying. She lied to me, she didn't understand the law and she didn't fix any billing issues. She said she cant compensate me when i never asked for compensation. I asked that any amounts owed or held for my behalf be credited to my account, any unearned insurance premiums or rebated be credited to the account. The law states upon my requested this is to be done. Why is the law being looked over synchrony bank? The company admitted to not sending me the correct billing statement, but they have not made an effort to cure the credit balance that is in excess of {$1.00}.
Frequently Asked Questions
What is Complaint #4827555 about?
Complaint #4827555 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 2021-10-20T12:00:00-05:00.
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 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.