Credit card -- Other features, terms, or problems -- Complaint #9400468
Complaint Overview
Complaint ID: 9400468
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
State: Arkansas
ZIP Code: 718XX
Date Received: 2024-07-01T12:00:00-05:00
Date Sent to Company: 2024-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was a XXXX XXXX customer and got a XXXX XXXX card to earn more cash-back rewards ( XXXX Dollars ). I used the XXXX card for various purposes and accumulated a significant amount of cash-back rewards. However, I stopped being a XXXX XXXX customer on XX/XX/year>. I believed that since the Visa card was issued by Synchrony Bank, I could still use it and continue earning rewards, as no one from XXXX XXXX or Synchrony Bank mentioned otherwise. So, I kept using the card and earning rewards. Recently, when I tried to use the XXXX Dollars I had collected, I was informed that I could not use them and that there was nothing I could do about it. I requested they explore other options to use the rewards, and I was told that I must have a XXXX XXXX account to use XXXX Dollars. So, I got a new line with XXXX, but I still couldn't use the XXXX Dollars I had accumulated for over a year. When I contacted customer care services, I was bounced back and forth between Synchrony Bank and XXXX. Each kept telling me to call the other company. Finally, XXXX representative told me that I needed to sync my XXXX card to my XXXX XXXX account through Synchrony Bank, but the representative there said they could not do it. As a result, I was told I wouldn't be able to claim my hard-earned cash-back rewards ( XXXX Dollars ) at all.
Frequently Asked Questions
What is Complaint #9400468 about?
Complaint #9400468 was filed against Synchrony Financial regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-07-01T12:00:00-05:00.
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.