Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5566984
Complaint Overview
Complaint ID: 5566984
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: Problem with customer service
State: California
ZIP Code: 90403
Date Received: 2022-05-16T12:00:00-05:00
Date Sent to Company: 2022-05-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
SYNCHRONY BANK issued Amazon card. Could not locate the physical card to pay a {$2.00} balance. Payment was only possible through Synchrony, but without the card I could not register to login or login to the Synchrony site. I called Customer Service. Their automated service does not allow a bypass of the recorded messages ; no option for lost or stolen cards. You are forced to listen to a long list of messages before finally getting an opportunity to state your issue. The connection was bad - obviously overseas call centers- and the call dropped twice, forcing me to go back through the system. On one occasion, a representative actually was providing the credit card number ( without requiring any security questions ), but the call cut out. The third time I went through the system to reach a person, I was told Synchrony would have to issue a new card and it would take 10 days. I was able to get a supervisor, who did an ACH transfer to pay the {$2.00} bill. Synchrony should not be allowed to issue credit cards if it can't provide adequate support to cardholders, including the option to reach a representative in a timely manner ; immediate support in the case of lost or stolen cards ; security checks for provding card information. This is a very unprofessional operation for a financial institution. I appreciate your follow up to address the issues.
Frequently Asked Questions
What is Complaint #5566984 about?
Complaint #5566984 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 2022-05-16T12:00:00-05:00.
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.