Credit card or prepaid card -- Fees or interest -- Complaint #5364473
Complaint Overview
Complaint ID: 5364473
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Maryland
ZIP Code: 207XX
Date Received: 2022-03-24T12:00:00-05:00
Date Sent to Company: 2022-03-24T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 i opened a care credit card through Synchrony bank to cover the cost of my pet 's emergency room visit. I did NOT opt in for the card security that charges you a percentage each month of your total bill in case of death or other reasons you can not pay the total bill. On XX/XX/2022 I noticed a charge on XX/XX/2022 for " Card Security '' in the amount of {$35.00}. I tried the chat feature to get it resolved and he said he could not assist. I called customer service, the first rep was unhelpful and sent me to a supervisor who was condescending and rude and transferred me to a different number who " handles '' card security, even though she was well aware they were not open. Once their office did open, I called and was told I opted in for this service, which I know I 100 % did NOT and then she said she would submit something canceling the service and ask for a refund, but could not confirm if or when this would happen. They do not answer your questions directly and intentionally try to confuse you. I have spoken to 4 employees over the phone, 1 via chat, and 4 messages sent via secure messaging and still have not received confirmation that I will be getting the charge refunded and have been unenrolled in a service I did not opt in in the first place. It is a scam to auto enroll a customer in a service they did not opt into and hope the customer doesn't notice the charges until it is too late. They treat you like you are the liar on the phone instead of realizing all these complaints are happening because there is either a glitch in their system that is adding this check next to the yes in error or they are just adding it without consent after the fact.
Frequently Asked Questions
What is Complaint #5364473 about?
Complaint #5364473 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-03-24T12:00:00-05:00.
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.