Credit card or prepaid card -- Getting a credit card -- Complaint #7123379
Complaint Overview
Complaint ID: 7123379
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Delay in processing application
State: Indiana
ZIP Code: 460XX
Date Received: 2023-06-15T12:00:00-05:00
Date Sent to Company: 2023-06-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a letter in the mail, from Synchrony Bank dated XX/XX/XXXX, stating that there was an error that caused me to receive an incorrect approval letter from XXXX. What I should have received was " we were unable to assign the credit amount I requested '' however I didn't request any amount I just applied. The letter itself had no contact information where I could inquire what and why I had received it in the mail, on XX/XX/XXXX I called the customer service number on the back of my card and spoke with XXXX different people, XXXX and her supervisor XXXX, that told me that there was incorrect information that was listed ( but wasn't able to tell me what ) and that I could just disregard the letter. On XX/XX/XXXX I tried again to speak with someone by calling the fraud department because with the letter having no contact information on there except the number for 2 different consumer reporting agencies ( which in the letter it explains not to contact them because they did not make the credit decision and would be unable to provide the reasoning of the outcome ). I spoke with XXXX which stated he saw nothing in my account stating there were any issues, I asked to speak with a supervisor, spoke with XXXX XXXX, which again stated that he saw nothing in my account, nor did he find the letter that was supposed to have been sent by Synchrony Bank.
Frequently Asked Questions
What is Complaint #7123379 about?
Complaint #7123379 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2023-06-15T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-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.