Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5618135
Complaint Overview
Complaint ID: 5618135
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: California
ZIP Code: 94062
Date Received: 2022-05-27T12:00:00-05:00
Date Sent to Company: 2022-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2021 Synchrony Bank notified me they were closing my account. This was immediately after I had made several large purchases on Amazon and sent in a large payment. As a result of the card cancellation Amazon cancelled my purchases, but Synchrony still cashed my payment. As a result of this I have a negative balance of {$61000.00} on my card that they owe me. Their statements clearly show this, that they have my money is not in dispute, each of the XXXX service agents I have talked to over the last XXXX months has agreed that I have this credit in my account. However, I have called 4 times and talked to different agents to try to either get my money back or the account re-opened so I can spend the money. 2 agents said they would send a check within XXXX weeks, the other two ( including a supervisor called " XXXX in Account Management '' today ) said I needed to fill a form out showing proof of payment and they send me the request letter I have attached. I have faxed online bill pay statements to them ( also attached ) showing the payments, and their statements show the payments, but they refuse to return my $ XXXX. XXXX today said that they now need a letter on bank letterhead stating the payments were made, which in my opinion is just a delaying tactic to avoid repaying my money that they fully admit they have. I need your help to get my money back, and at this point I think it would be fair for them to pay me interest on it too. Thank you.
Frequently Asked Questions
What is Complaint #5618135 about?
Complaint #5618135 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 2022-05-27T12:00:00-05:00.
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.