Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #7177528
Complaint Overview
Complaint ID: 7177528
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card
State: Illinois
ZIP Code: 600XX
Date Received: 2023-06-27T12:00:00-05:00
Date Sent to Company: 2023-06-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I went to Walgreens to make a purchase. I have used Walgreens points cards in the past but hadn't been to Walgreens for a while in person. When I got to the checkout line, the cashier pointed to a sheet that said {$50.00} off purchase, and I asked him if this was the points card, and he said yes. There was no mention of XXXX, and the very tiny picture depicted the Walgreens name prominently, and now that I know what this is, it probably had the XXXX circles symbol much smaller without any lettering indicating " XXXX. '' I don't have a XXXX, so while I have seen that symbol, it's not really on my mind. There was no mention of interest or XXXX They had my information except for my old address, and I provided my new address, and only at the end of this process they asked for my SSN, which clued me into this maybe being a credit card, but when I asked the cashier said it was the points card. With so many in line after me, and against my better judgment, I just provided it, and only then I got a tiny receipt with the interest and XXXX in teeny tiny print. I didn't even get a receipt for my purchase which they said would only be sent by phone, and I didn't even get the {$50.00} off as promised. The only receipt I received at the store is the tiny receipt for the credit card approval, which I received only at the very end of the transaction. I have to make future purchases to get that. I asked for the manager, who only sympathized with me and told me I had to call. I called Walgreens when I got home, and they forwarded my call to Synchrony Bank. I explained what happened and that I felt it was deceptive. They don't really care. Then, I asked Synchrony to cancel the card, and I have to wait 48 hours and call again to pay the bill, or I'll start racking up interest. The card is canceled, but I have to take my time to make sure I remember to pay that bill, but the matter is not fixed because I can't ever take away the fact that I applied for credit not understanding what I was doing until the very end. If I forget to pay that bill, I'll have the interest to pay. I only wanted to pay for my items and get my updated Walgreens points card. I never wanted a new credit card. Also, they're going to do this very same thing to other people.
Frequently Asked Questions
What is Complaint #7177528 about?
Complaint #7177528 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2023-06-27T12:00:00-05:00.
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.