Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5856524
Complaint Overview
Complaint ID: 5856524
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 rewards from credit card
State: Florida
ZIP Code: 34221
Date Received: 2022-08-08T12:00:00-05:00
Date Sent to Company: 2022-08-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Synchrony Bank stole my rewards-points..... Synchrony Bank offered ( in writing ) an XXXX credit card with 5 % reward for purchases until XXXX XXXX and I accepted their offer. When I had accumulated XXXX points, I tried to redeem them, towards my statement bill. They did not allow me to redeem my points, saying I " had to wait until the next billing period ''. Several days later, via the phone, I paid my entire balance, and again tried to redeem my points, and they again said I'd have to wait. The next day, Synchrony closed my account,,, and canceled my points, down to zero. I had accumulated {$930.00} worth of points, and Synchrony stole those points. I had never been late on a payment,,, ever. Synchrony simply didn't want to pay the amount they agreed to, by contract. Synchrony reneged on the contract between us.
Frequently Asked Questions
What is Complaint #5856524 about?
Complaint #5856524 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 2022-08-08T12:00:00-05:00.
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.