Credit card or prepaid card -- Problem when making payments -- Complaint #5204171
Complaint Overview
Complaint ID: 5204171
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: North Carolina
ZIP Code: 28227
Date Received: 2022-02-09T12:00:00-05:00
Date Sent to Company: 2022-02-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I called XXXX XXXX to correct the account number on my XXXX XXXX as the account number they had was a closed account it had just been closed. I spoke with a rep who assured me everything was updated and my Schedule payment for XXXX would go through the new account and XXXX auto payment would come out of the correct account. This was never done they continued to try to make payments from the incorrect account. I called XXXX XXXX at least XXXX times about this issue. I even scheduled my own payments from the correct account since they did not seem to be able to remove the closed account. They then refunded the late fee they charged because it was their mistake and the next day without notice they closed my account and said it was because I tried to make a payment with a closed account. I never tried to make a payment with a closed account and called them over and over again with the correct account number for my payments. On XX/XX/XXXX I called for the XXXX time and I spoke with Supervisor XXXX who said they had to pull the call and if they hear that I was asking the account number to be changed they may reinstate my card. The card should have never been closed especially after I called them back every time they called me telling them they were using an incorrect account number and the continuously told me the account was update while they continued to try and take payments from a closed account.
Frequently Asked Questions
What is Complaint #5204171 about?
Complaint #5204171 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-02-09T12:00:00-05:00.
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.