Credit card -- Other features, terms, or problems -- Complaint #7870219
Complaint Overview
Complaint ID: 7870219
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
State: Arizona
ZIP Code: 85388
Date Received: 2023-11-18T12:00:00-05:00
Date Sent to Company: 2023-12-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
We opened a credit card with Sam 's Club while activating our membership. According to the terms and conditions ( attached ) of the card, we would receive 5 % cash back on purchases with Sam 's club ( as XXXX members ), 3 % on XXXX Stations that accept XXXX, and 1 % on all other purchases. After XXXX weeks we received our first statement where we were ~ {$2.00} short based on the terms above. We called Synchrony bank to resolve the XX/XX/XXXX and the agent issued a {$10.00} statement for our trouble and assured us it would not happen again. We received our second statement today XX/XX/XXXX and were shorted once again. Upon calling synchrony bank ( We have the call recorded via XXXX file if needed ), we were informed that synchrony " does not handle rewards and how they are calculated using the sams club credit card ' by supervisor " XXXX ''. XXXX then transferred us to Sams Club member services as " they would ensure this was resolved ''. After being transferred to the Escalations department, " XXXX '' informed us that " Sams Club does not handle rewards calculations and it is handled entirely by Synchrony bank '' ( We have the call recorded via XXXX file if needed ). I asked XXXX to help us resolve the discrepancy to which she refused and stated we would need to contact Synchrony. Given the clear disparity between rewards to be given and rewards given, it is apparent that at a minimum for our individual account, we are not receiving the funds owed to us per the terms and conditions of the credit card, and are being blatantly misled in an effort to not pay out.
Frequently Asked Questions
What is Complaint #7870219 about?
Complaint #7870219 was filed against Synchrony Financial regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-11-18T12:00:00-05:00.
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) 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.