Credit card or prepaid card -- Problem when making payments -- Complaint #6207893
Complaint Overview
Complaint ID: 6207893
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Connecticut
ZIP Code: XXXXX
Date Received: 2022-11-15T12:00:00-05:00
Date Sent to Company: 2022-11-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 I called JC Penney 's XXXXSynchrony Bank Customer Service XXXX XXXX XXXX ) XXXX and I spoke to XXXX ( XXXX ) and I advised him that my payment was going to be late. The payment was due on XX/XX/XXXX but I couldn't pay it until XX/XX/XXXX, XXXX said my cycle starts on XX/XX/XXXX and that I would need to pay {$400.00} if I pay on XX/XX/XXXX and I would still need to make a payment of {$400.00} on XX/XX/XXXX. I told him the amount due is {$190.00} not {$400.00} he became very irate and started yelling at me and begun being condescending. He refused to accept my payment on XX/XX/XXXX and I was getting nothing resolved so I asked to speak to a manager or a supervisor, XXXX kept refusing my request he said they're going to tell you the same thing so he would transfer or put a manager/supervisor on the phone XXXX ( XXXX ) times a asked for a manager/supervisor. On XXXX XXXX I called to make a payment I was transferred to a customer service representative I tried to get my account straightened out once again I got know where. On XX/XX/XXXX I spoke to XXXX she insist I pay {$440.00} not the {$190.00}. On XX/XX/XXXX I spoke to XXXX she request I pay {$310.00}, then it increased to {$440.00} then final request offer was {$690.00}. They tried extorting money from me. They then called the credit bureau everyday with inquiries damaging my credit scores in retaliation against me they also closed my Synchrony Car Care account I never paid late nor have I missed any payments just another attack on me, I only found out my Car Care card was closed when I called in to pay my bill and the automated system advised me of that, Synchrony Bank made false statements to the Credit Bureau 's. I don't know what more to do. That Bank has taken over several companies and I'm afraid they will closed the rest of my other cards in retaliation of this situation. They need to be investigated I quite sure I'm not the only consumer they have violated. They also kept raising my interest rates when they were XXXX percent my rates were over XXXX percent. They are unethical in their business dealings. I have sent letters to Synchrony Bank ( all three ( XXXX ) of the addresses in Florida, Utah. Synchrony Bank calls my phone, leave text messages and voicemails everyday but they will not resolve said issue.
Frequently Asked Questions
What is Complaint #6207893 about?
Complaint #6207893 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-11-15T12:00:00-05:00.
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.