Credit card or prepaid card -- Fees or interest -- Complaint #5856379
Complaint Overview
Complaint ID: 5856379
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: North Carolina
ZIP Code: 28173
Date Received: 2022-08-08T12:00:00-05:00
Date Sent to Company: 2022-08-08T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received an e-mail from Synchrony Financial that my payment was past due. I set up my account on auto pay ( their auto pay ) to be timed to pay my account in full before the promo expired. Apparently their system shut it off and when on the phone with a representative today, she did not know why. She immediately refunded all of the interest and fees, and took my last payment to pay in full. When I asked her to ensure I am not reported past due ( I asked 3 times ), she repeatedly told me to file a dispute and call customer service. To me, this is an act of consumer harm under the eyes of the UDAAP act, and I as a consumer am left hanging with no recourse other than a credit dispute. I have sent letters to XXXX XXXX ( Board of Directors head ), XXXX XXXX ( President & CEO ), XXXX XXXX ( Chief Audit Executive ) and the Customer Complaints Group. Consumers should not have to go through this. As a result, I will no longer do business with them as this is the 2nd time this has happened in the last 7 years.
Frequently Asked Questions
What is Complaint #5856379 about?
Complaint #5856379 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-08-08T12:00:00-05:00.
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.