Credit card or prepaid card -- Fees or interest -- Complaint #6780332
Complaint Overview
Complaint ID: 6780332
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: California
ZIP Code: 94568
Date Received: 2023-03-31T12:00:00-05:00
Date Sent to Company: 2023-03-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
When I opened my account and afterwards made my 1st payment ( for the full statement balance ) I was sent an email later hat day and another one a few days later confirming my payment. But, a few days later I was notified that I had not made any payments yet. Wen I called Synchrony I was told that there had been a problem routing my payment, so I made a payment over the phone and they agreed to remove the late fee and interest charges. Since their notification regarding my payment problem likely came only after they had prepared next month 's statement, it did not include a credit to allow for my payment over the phone. It was therefore not clear to me how much I had to pay by next time to avoid interest charges. I received no revised statement and so I had to guess how much I would have to pay so as to not have tp pay any interest. Next day, after the {$200.00} or so that I paid was credited I saw no sign online of what my revised payment to avoid interest should be.and ditto when I phone them ( tedious automated system ). Both their Website and phone system indicated NO payment due. I just spoke tp someone at Symphony and was told that they would remove the interest charge as a " courtesy ''. I was also told that I should have paid the FULL statement balance in my previous statement - even though it was about {$600.00} over what it really was! And this from a so-called " supervisor ''. Synchrony has messed-up at least twice now!
Frequently Asked Questions
What is Complaint #6780332 about?
Complaint #6780332 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2023-03-31T12:00:00-05:00.
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.