Credit card -- Other features, terms, or problems -- Complaint #8194167
Complaint Overview
Complaint ID: 8194167
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Illinois
ZIP Code: XXXXX
Date Received: 2024-01-20T12:00:00-05:00
Date Sent to Company: 2024-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XX/XX/XXXX I noticed a promotional balance had not decreased with a recent payment. I sent a message through the website message center. I received am E-Mail reply the Company received the message and would review. Possibly 1 week later I received another message a reply had been sent. The message portion of the website no longer works, as in all messages to the company and from the customer are no longer visible once posted to an account. I have informed them of this every time I contact them about applying payments incorrectly. Eventually I receive another message and link to a form letter and I see promotional payments corrections, credits and debits on the account. Then the next payment I have to go through the whole process again. Today is the fourth time I have contact the company about misapplying payments. The credit card agreement is for all payments to be applied to Promotional balances first, then once paid off, apply payments to standard purchase balances. I had a XX/XX/2023 promotional balance the company hadn't paid off in XX/XX/2023 and I posted $ XXXX {$600.00} payments monthly. Today I found a {$300.00} promotional balance not paid off by my {$350.00} payment and the {$49.00} balance not applied to my next in line promotional balance of {$320.00}. All I continually ask is that my payments be applied according to the XXXX XXXX Credit Card Agreement rules. In addition, there is a section of a Standard Purchase amount that I questioned, it and the designation of terminated status on a larger amount. I asked what this meant and an explanation, but not until today 's message. I have not yet taken the time to call the company. I did inform them if this continued, I would file a complaint. I added attachments and can add more showing different screenshots. if needed.
Frequently Asked Questions
What is Complaint #8194167 about?
Complaint #8194167 was filed against Synchrony Financial regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-01-20T12:00:00-05:00.
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.