Credit card -- Struggling to pay your bill -- Complaint #9554991
Complaint Overview
Complaint ID: 9554991
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: Pennsylvania
ZIP Code: 195XX
Date Received: 2024-07-18T12:00:00-05:00
Date Sent to Company: 2024-07-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a Dicks Sporting Goods XXXX ( through XXXX Bank ). The last XXXX years i have been on XXXX waiting on a XXXX transplant. The first XXXX years and prior to my illness all payments were made as you can verify as i was able to work XXXX. The last XXXX years i was only able to work part time. I fell behind and was unable to make minimum payments, but was still paying as i could. Around XXXX of XXXX Dicks locked me out of my account so i was unable to make payments or get copies of my submittals to them regarding my hardship. I spoke to several agents who called all day and night to collect money and explained my situation to them. I was told they had no program available and the minimum payment owed per month must be paid, which i could no afford. I was then sued in XXXX of XXXX. The hearing was today in which a judgement was filed against me. Which i plan to appeal. I feel my right were violated. How can we allow a bank to not have some type of hardship program. I have done this with other credit cards during my health issues. They freeze the card and take a payment until paid up to date then reactivate the card. No credit hit. No lawyers and extra fees. But this is what we allow them to do I guess. It just doesnt make sense. In addition refusal of allowing me to provide my online submittals asking for hardship help prohibited me from defending myself in court
Frequently Asked Questions
What is Complaint #9554991 about?
Complaint #9554991 was filed against Synchrony Financial regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2024-07-18T12:00:00-05:00.
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.