Credit card -- Struggling to pay your bill -- Complaint #9385943
Complaint Overview
Complaint ID: 9385943
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Struggling to pay your bill
Sub-Issue: Credit card company won't work with you while you're going through financial hardship
State: Florida
ZIP Code: 33707
Date Received: 2024-06-29T12:00:00-05:00
Date Sent to Company: 2024-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently lost my job and have had to accept a part-time job to pay my bills... this isthe only source of income I have been able to obtain. My company has promised full-time status and pay AFTER I have completed my part-time trial period. I have also applied for several other very promising jobs ( in my field of XXXX years ) where they have expressed interest in me, but I am still waiting for further communication from them. I suspect a big part of the difficulty is my age ( XXXX yo ). I have called Synchrony-Amazon to explain this, but the offsite, " customer support '' call-center people have ZERO training and ZERO ability to do anything other than take payments and bully you to make payments you can't afford even AFTER explaining the situation to them. Here are my issues : 1 : It has been impossible to find a customer service number for Synchrony-Amazon where you can talk to a company-based person who can actually help with this issue. 2 : The monthly payments for Amazon are almost XXXX % of the balance and keep accruing. 3 : The Amazon credit website offers the option to sign up for temporary lower payment or payment deferment options... HOWEVER, when you complete the process it just says " request could not be processed '' without any explanation or comment! 4 : Despite calling and explaining to the call-service my circumstances ( and that they are TEMPORARY ), they continue to hound me and call me and email me about my overdue balance ( which is constantly accruing ) asking for payment! 5 : Even in the emails from Synchrony about my overdue balance the RE : line or title of the emails are : Let us help! We can work with you! BUT the links in the email send you straight to the call-service that immediately begins pressuring you to make the full payment of the overdue balance!!!!! 6 : Even though my issue is with my Amazon account, Synchrony has closed two other low balance store cards that they own ( which I have stayed current on ) and trashed my credit even further than it already was. It will take me a LONG time to recover my credit score from this -- up until now I at least had a CHANCE to regain my higher credit score. I called about the card cancellations and the person " explained '' that they had reviewed my debt-to-income ratio and decided that I had too much credit. I sincerely WANT to make my payments and honor my debts, however, I just need the understanding that my part-time EXTREMELY low salary is temporary ( it is barely enough for me to buy groceries and gas and to keep up with my car payments and car insurance -- I can't be without a car... or allow my payments to lapse because it is my lifeline at this point ).
Frequently Asked Questions
What is Complaint #9385943 about?
Complaint #9385943 was filed against Synchrony Financial regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2024-06-29T12:00:00-05:00.
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.