Credit card or prepaid card -- Fees or interest -- Complaint #5710587
Complaint Overview
Complaint ID: 5710587
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: Florida
ZIP Code: 32779
Date Received: 2022-06-26T12:00:00-05:00
Date Sent to Company: 2022-06-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a complaint with SYCB/Sam 's CLub Dual CC. On XX/XX/XXXX a payment was made made online for {$2000.00}. ( SYCB/Sam 's Club said they didn't receive it. A dispute was opened. Our bank sent a confirmation that the {$2000.00} was paid. It was 3 months until they found the payment. ( charging me interest and late fees on the amount while it was in dispute ) On XX/XX/XXXX, I spoke with a representative and she confirmed they had the payment. I asked her what the remaining balance was. She stated {$390.00}. I paid her online for that amount to pay it off. I received an online bill via email on XX/XX/XXXX stating that I have a balance of {$2000.00}. No explanation- just a bill. I called on XX/XX/XXXX to question why I was receiving this {$2000.00} bill. I was told that I was sent an email on XX/XX/XXXX explaining why the {$2000.00} was back on the account. ( after their review ) I did not receive the email and asked the representative to tell me why. She said she didn't know and the details in the email would tell me. She also told me that the dispute had been closed and I would have to open a new one. I asked her to resend the email which has been 4 hours and I don't have it. The money has come out of our account, plus they have added late fees and interest on the amount. They have this payment and it's very disturbing to deal with this company. My credit score is excellent and my bills are always paid on time. I do not owe this {$2.00} again.
Frequently Asked Questions
What is Complaint #5710587 about?
Complaint #5710587 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-06-26T12:00:00-05:00.
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.