Credit card -- Other features, terms, or problems -- Complaint #7676425
Complaint Overview
Complaint ID: 7676425
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Other features, terms, or problems
Sub-Issue: Credit card company forcing arbitration
State: Michigan
ZIP Code: 48227
Date Received: 2023-10-10T12:00:00-05:00
Date Sent to Company: 2023-10-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for this card ( the Amazon Secured Card Managed by Synchrony Bank XXXX XXXX ) with the expectation and understanding that I would receive a card with a Visa or MasterCard logo and even while secured ( with my own money ) the understanding that I would be able to use this card anywhere. I just came out of a long rehabilitative process and I'm trying to do right by the laws and by being responsible credit-wise. I make and enjoy purchases from amazon.com and because of the breadth of AMAZON I had no reason to question that anything its name is on has a reputation as good as it ( amazon.com ) After they got my money ( the security deposit ) I was then told that it was only a card to be used strictly for Amazon.com purchases and then that it had no logo. Even coming to grips with this I still asked for the card and I was told that it will come in the mail ( which I waited and it never did ). Somewhere in the process I was able to review my credit report and saw that Synchrony reported ( somewhat favorably ) so within that I looked forward despite my initial plan to close out the account for misrepresentation. I didn't know much about the card or even how it worked but I knew that I should be able to make purchases from Amazon on it, my security deposit 's worth. Everything dealing with that card and dealing with Synchrony Bank is especially difficult, and the kicker is they don't let you know the account number which is on that card and anything pertaining to having access to your money is super slow especially when you make a lot of purchases from Amazon like I do. Recently I needed to change the phone number on the account. The number I used to set the account up, I'm not using that number much anymore so I went to the usual channels I'm talking to customer support and even trying to change the number with only access they have at their website. It was weird because it was so difficult and pretty much everything dealing with them they offer to paper mail things to you which will take 7 to 10 business days even to gain access. The culmination of the whole thing is that when they did end up coming with a solution to change the number they offered to send the OTP to a number with the last four digits I didn't recognize or to send it to a number of my choosing ( the number of my choosing mysteriously didn't work and mysteriously, customer service 's attempts to send the OTP to the number on the account didn't work either ) Upon humbling myself and many calls and talking sweetly to customer service I found out that the number they presented me with was an old number ( possibly with an old bill - more than 20 years ago ) that the data collection company " XXXX '' has on their records and Synchrony is " leveraging '' by squeezing my money and making me succumb to being victimized by XXXX tactics because they feel they have no other options much like many people who apply for this card do. I just think it's low down dirty and underhanded for them to introduce ( ever so casually ) some other left field factor to propagate XXXX 's data collection aggregation, without which I am denied XXXX century convenience of access to what's mine.
Frequently Asked Questions
What is Complaint #7676425 about?
Complaint #7676425 was filed against Synchrony Financial regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-10-10T12:00:00-05:00.
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) 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.