Credit card or prepaid card -- Trouble using your card -- Complaint #5399256
Complaint Overview
Complaint ID: 5399256
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Ohio
ZIP Code: 44720
Date Received: 2022-04-02T12:00:00-05:00
Date Sent to Company: 2022-04-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/22 I visited Ashley Furniture Store looking to purchase furniture. I have an existing Ashley credit card through Synchrony Bank. I was told by the sales rep that I could only use my existing card if I first applied for another credit card. I was told that Ashley was moving away from synchrony and transitioning to XXXX XXXX for its credit card. I was told that if I applied and got declined or didnt get approved for enough credit, only then could I use my existing credit card with synchrony. This is a violation of UDAAP. I was able to use my existing credit card online but the sales rep was so focused on getting a sale that told me not to complete the online transaction, they created the same sale in store despite first telling me that the prices in store would be much hirer. The rep split my order between both credit cards ( XXXX XXXX XXXX / XXXX ). I was able to find furniture with a much shorter estimated delivery and canceled my order 5 days later. I was initially told that I would have to pay a 12 % fee for any items that were already available, however the store manager did a bait and switch by telling me I would be charged 12 % fee for the entire order.
Frequently Asked Questions
What is Complaint #5399256 about?
Complaint #5399256 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-04-02T12:00:00-05:00.
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.