Credit card -- Closing your account -- Complaint #8625139
Complaint Overview
Complaint ID: 8625139
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Maryland
ZIP Code: XXXXX
Date Received: 2024-03-24T12:00:00-05:00
Date Sent to Company: 2024-03-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been receiving harassing telephone calls from Synchrony Bank concerning my closed PayPal Mastercard account. Additionally, I have been receiving a discrepancy in communications about the past due amount. On XX/XX/XXXX, I received an email indicating that I had a total minimum payment due of {$170.00}, including a past-due amount of {$110.00}. A due date of XX/XX/XXXX, was indicated. However, when logging into my PayPal App, it showed a past due amount of {$60.00} with a message stating, " Pay {$60.00} now to cover the overdue amount and bring your account current. '' This issue has been ongoing as I received the same message again on XX/XX/XXXX. Synchrony Bank closed my account in XX/XX/XXXX allegedly due to returned payments. Before the account closure, I faced challenges with making payments. For instance, in XXXX, PayPal claimed a payment was returned by my bank, but it was a system error caused by PayPal as I used an unlinked checking account. According to PayPal, their policy requires that you are required to use an account linked to your PayPal profile to make payments. The harassing phone calls have continued. The most recent contact was on XXXX Sunday, XX/XX/XXXX, a day that is a religious observance in my household. In addition, I continue to receive communications from Synchrony Bank entitled, Are you having difficulty paying your PayPal Mastercard account? allowing me to enter into a Customer Assistance Plan. However, I am not eligible for making fixed monthly payments as they closed my account in XX/XX/XXXX. In addition, one of the requirements of the Customer Assistance Plan is that I must be willing to close the account. However, Synchrony already closed the account. These offers from Synchrony are misleading. Currently, despite making a payment of {$60.00} on XX/XX/XXXX, I was charged another late fee of {$41.00} on XX/XX/XXXX. My PayPal app on XX/XX/XXXX, is showing a past due amount of {$54.00} and a balance of {$450.00}. It appears that despite making the past due amount reflected in my PayPal app Synchrony continues to charge late fees toward the closed account.
Frequently Asked Questions
What is Complaint #8625139 about?
Complaint #8625139 was filed against Synchrony Financial regarding Credit card specifically about Closing your account. It was received by the CFPB on 2024-03-24T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-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.