Credit card -- Other features, terms, or problems -- Complaint #8203922
Complaint Overview
Complaint ID: 8203922
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: Indiana
ZIP Code: 46323
Date Received: 2024-01-22T12:00:00-05:00
Date Sent to Company: 2024-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Care Credit/ Synchrony Bank . I called in to ask about a Mastercard option for my credit card when I spoke to the rep, they told me it's a system who randomly picks customers for the Mastercard option. I have been a loyal customer for over 4 years and have never been picked, when I asked how they make sure the system is equally choosing the right people and not just choosing based on race, amount of money they make or where they live, they were unable to answer that. That type of response made me wonder if that system is tested to see if it's being offered to a wide variety of groups or is it based on the amount of money you make per year, your balance, etc. I requested a call back but never got a call back, the request was sent over to their fair lending compliance department. I am not putting this in simply because I did not get an offer, but to make sure they are being compliant and fair to every single consumer they have. As of now it seems like they need to be audited to ensure they are following regulations.
Frequently Asked Questions
What is Complaint #8203922 about?
Complaint #8203922 was filed against Synchrony Financial regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-01-22T12:00:00-05:00.
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.