Credit card or prepaid card -- Problem when making payments -- Complaint #6471534
Complaint Overview
Complaint ID: 6471534
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: California
ZIP Code: 94121
Date Received: 2023-01-22T12:00:00-05:00
Date Sent to Company: 2023-01-22T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2022 they unilaterally closed my card. Then they added a charge that indicates " refund check '' in the amount of - {$600.00}, I have not received or cashed any check. I continually ask them to remove the charge. They said they closed my " old account '' and credited the amount back to the " old account '' which I don't have access to see or use. I repeatedly ask them to credit it to the account I DO have access to, if any. Alternatively I ask them to actually issue the refund, they keep telling me to wait and nothing is happening. When I call back they repeatedly have no records of my previous contacts. When I ask for a way to write them in writing, they argue or don't speak XXXX well enough to hold a conversation. Now they're claiming I owe them money in the amount of {$240.00}, when its the other way around, they owe me {$600.00} ( less the {$240.00} balance on the new card ). They advise me " just don't pay your bill then, if you get a late fee we'll just refund it '' ... however it is my position they are holding my money in deposit illegally without interest.
Frequently Asked Questions
What is Complaint #6471534 about?
Complaint #6471534 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2023-01-22T12:00:00-05:00.
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.