May 2019 Complaints Against Synchrony

Compiled from Public Data by FairShake

If you have an issue with Synchrony, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2019, the CFPB received 4654 complaints against Synchrony. Synchrony ranked Number 9 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: May 26, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: AZ

Product: Debt collection
Sub-Product: Credit card debt

Issue: Threatened to contact someone or share information improperly
Sub-Issue: Contacted your employer

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 27, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: IL

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Other features, terms, or problems
Sub-Issue: Problem with balance transfer

Full Complaint:
on XX/XX/2019 I called and made a payment of {0.00} towards one of my promotion purchase of {0.00}. The payment was divided towards other purchases that will expire after this purchase. On XX/XX/2019 I call service to speak with a supervisor and XXXX the customer service agent hung up on me when I call back I spoken to a gentleman by the name of XXXX, he stated that there’s no supervisor around

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 27, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: OH

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn’t receive advertised or promotional terms

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 27, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: OH

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems
Sub-Issue: Other problem

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 27, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: NY

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 27, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: TN

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don’t recognize

Full Complaint:
On or about XX/XX/2018 an i quiry showed up on my credit reports from SYNBC/TJXCO Dual card. I have no idea who or what this is. I have never applied with them and I have never authorized any credit inquiries from them.

Company response:

Response Type: Closed with non-monetary relief

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 27, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: TX

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Incorrect information on your report
Sub-Issue: Account information incorrect

Full Complaint:
Company is reporting incorrect date of first delinquency preventing old charge off account from being deleted from credit reports.

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 26, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: CA

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 26, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: TN

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute

Full Complaint:
My complaint is against Synchrony Bank and the way the Credit Reporting Bureaus Report on my credit report after I paid a debt in full. I had a Synchrony Bankcard for XXXX XXXX. However due to a couple of job losses the creditor Charged Off on XX/XX/XXXX. I lost my job and a substantial income in XX/XX/XXXX – could not find a job until XX/XX/XXXX making way less but still had the intent to begin paying for that debt as soon as I was able. At the time I was struggling to pay a {00.00}. mortgage payment while existing off of {00.00} per month in unemployment benefits until I was able to secure employment. In XXXX a lien on my home was placed for the amount owed to Synchrony Bank for {00.00}. In order to pay off what I owed I had to take out a personal loan for the full amount. I paid the entire amount owed on this debt vs. settling on a lower amount. My problem is that I was told that Synchrony would remove this completely from my Credit Report – especially since I paid it in full. There was No Monies Charged Off or not collected owed on the original debt. I believe XXXX had removed the negative information ; however XXXX XXXX and XXXX continue to report negative information. Regardless that it says I dont owe anything its still being reported as In Collections/Charge Off and Payment Made After Charge Off which makes a potential creditor think Synchrony wrote off bad debt when they didnt. I paid the full amount which is why they need to remove this negative mark on my credit. Also if you look at my credit no matter how I pay on time each month my credit score remains low which gives creditors the right to charge higher interest rates. This is unfair and gouging – setting a consumer up for failure. Extending credit is the chance to pay off over time why must the consumer be gouged by higher interest when they need to continue to maintain a good score. Someone needs to re consider how a consumer whose paying on time the best they can. To say if you paid more each month goes against the agreed minimum amount. At this time Im doing everything I can to rebuild my credit from XXXX after job losses, and its almost futile the way Creditors and the Reporting Bureaus treat consumers who have limited incomes but still make their payments on time after suffering hardships.

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


Complaint Details:

Date of Complaint: May 26, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: AL

Product: Debt collection
Sub-Product: Credit card debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit

Full Complaint:
Original XXXX due ( owed to original company ) : {00.00} XXXX XXXX XXXX , XXXX charged interest of {0.00} Additional Cost {0.00} ( not sure what for ) I’ve paid {00.00} so far.
They are now garnishing wages starting on XX/XX/XXXX for {00.00} I received a ” Notice of Court Action ” from XXXX dated XX/XX/XXXX in the small claims court of XXXX XXXX AL. I was never summons to court at the time. I did call XXXX to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ).

I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we’ve had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from XXXX, XXXX. I never received any other notice from XXXX, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XX/XX/XXXX.

Company response:

Response Type: Closed with explanation

Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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