Credit card or prepaid card -- Problem when making payments -- Complaint #5273796
Complaint Overview
Complaint ID: 5273796
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: You never received your bill or did not know a payment was due
State: New Jersey
ZIP Code: 07030
Date Received: 2022-03-01T12:00:00-05:00
Date Sent to Company: 2022-03-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On the morning of XX/XX/22, I received an email from Credit Karma informing me that my TJ Maxx bill ( managed by Synchrony Bank XXXX had gone derogatory and was 60 days late. That same day, I received a notice in the mail from Synchrony bank dated XX/XX/22 saying that, " We recently attempted to notify you that your electronic TJX Rewards Platinum Mastercard statement was ready to view, but the email was returned. '' This was the first time I was made aware that I had a balance due of {$89.00} in XXXX. I have never been late on a payment on this account and I have not changed my email, mailing address or phone number within the last 12 months. Additionally, there were no phone calls or text attempts made letting me know my payment was originally due or when it became late. This has now significantly affected my credit score and I am extremely concerned by Synchrony 's business practices. According to the Card Act, a payment can not be considered late unless the statement was mailed or delivered to the customer at least 21 days before the due date. If Synchrony was unable to deliver the statement via email, I would of expected to receive the statement via mail or a phone call to ensure they meet this section of the Card Act. After speaking to Synchrony Bank last night to notify them of this situation, Customer Service was unable to confirm if any attempts were made to let me know that the payment was due.
Frequently Asked Questions
What is Complaint #5273796 about?
Complaint #5273796 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-03-01T12:00:00-05:00.
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.