Credit card -- Other features, terms, or problems -- Complaint #8744714
Complaint Overview
Complaint ID: 8744714
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: New York
ZIP Code: 11722
Date Received: 2024-04-10T12:00:00-05:00
Date Sent to Company: 2024-04-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, XXXX I called as my old bank ( XXXX ) reached out to me stating that there were charges from Synchrony Bank trying to collect payment since XX/XX/XXXX. Synchrony did this 6 times overall which resulted in my bank charging me insufficient fee charges 6 times which are over {$30.00} each meaning I owed my bank over {$200.00} in fees. I called and asked for a refund of those fees since one I made my XXXX payment on XX/XX/XXXX so there was no need to even charge me that month plus when I called in XXXX to make the payment, I updated the correct bank information to ensure the month of XXXX I get charged from my XXXX XXXX XXXX. The representative said they would put a case in to be reviewed and it takes 30-60 days for it to be reviewed. I called today ( XX/XX/XXXX ) for them to tell me they could only waive once every 12 months and that out of the total amount im owed, I will only be reimbursed {$30.00}. When I spoke to a manager about this, they had said there was nothing they can do even though it was their system that made the mistake, that they sent a credit of {$30.00} which really went to my sister 's debt not even my own- we have a joint account but different accounts. When i asked " am i supposed to just eat the cost of over {$200.00}, '' since I still owe that to XXXX, the manager simply replied with a yep. I reached out to two different managers and they both responded the same way. XXXX is not willing to waive those fees since it was an error on Synchrony bank.
Frequently Asked Questions
What is Complaint #8744714 about?
Complaint #8744714 was filed against Synchrony Financial regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-04-10T12:00:00-05:00.
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.