July 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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: MI

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

Issue: Problem when making payments
Sub-Issue: Problem during payment process

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: NC

Product: Debt collection
Sub-Product: Other debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

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: July 8, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: GA

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

Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: OH

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
Upon receipt of my credit report I began the dispute process with my creditors and the credit bureaus. About all the negative items listed on my file. Each time a dispute was made they came back to state it is valid and I am responsible for my debt within their company. I have submitted a police report, identity theft form, Identification, and documentation stating I was incarcerated at the time these accounts were being used fraudulently. I believe they are discriminating against me. I have spoke with their investigation department numerous of times and provided all the documentation needed to show that I am a victim of Identity theft and yet they still fail to remove the late charges and the negative reporting and the balance that’s reflecting on my credit report. This is a violation of the FCRA sections 607 ( b ), 611 ( 1 ) ( A ), 611 ( 5 ) ( A ) ( i ), 809 ( b ).

I am disputing Synchrony Bank Walmart – Date XX/XX/XXXX thru XX/XX/XXXX Amount {00.00} I am disputing Synchrony Bank Value City-Date XX/XX/XXXX thru XX/XX/XXXX Amount {00.00}

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: MA

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

Full Complaint:
On my first complaint to Synchrony Bank they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. Syncb/tjx Dc date of inquiry is XX/XX/XXXX, Syncb/qvc date of inquiry is XX/XX/XXXX and Syncb/ppmc date of inquiry XX/XX/XXXX are the three inquiries in question.

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: July 8, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: CA

Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet

Issue: Managing, opening, or closing your mobile wallet account

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: NY

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

Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due

Company response:

Response Type: Closed with 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: July 8, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: NY

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Problem making or receiving payments

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: OH

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

Issue: Closing your account
Sub-Issue: Company closed your account

Full Complaint:
Company closed my synchrony bank sew & more account with no notice and no explanation. Account has a {

Complaint Details:

Date of Complaint: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: MI

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

Issue: Problem when making payments
Sub-Issue: Problem during payment process

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: NC

Product: Debt collection
Sub-Product: Other debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

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: July 8, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: GA

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

Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: OH

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
Upon receipt of my credit report I began the dispute process with my creditors and the credit bureaus. About all the negative items listed on my file. Each time a dispute was made they came back to state it is valid and I am responsible for my debt within their company. I have submitted a police report, identity theft form, Identification, and documentation stating I was incarcerated at the time these accounts were being used fraudulently. I believe they are discriminating against me. I have spoke with their investigation department numerous of times and provided all the documentation needed to show that I am a victim of Identity theft and yet they still fail to remove the late charges and the negative reporting and the balance that's reflecting on my credit report. This is a violation of the FCRA sections 607 ( b ), 611 ( 1 ) ( A ), 611 ( 5 ) ( A ) ( i ), 809 ( b ).

I am disputing Synchrony Bank Walmart - Date XX/XX/XXXX thru XX/XX/XXXX Amount {00.00} I am disputing Synchrony Bank Value City-Date XX/XX/XXXX thru XX/XX/XXXX Amount {00.00}

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: MA

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

Full Complaint:
On my first complaint to Synchrony Bank they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. Syncb/tjx Dc date of inquiry is XX/XX/XXXX, Syncb/qvc date of inquiry is XX/XX/XXXX and Syncb/ppmc date of inquiry XX/XX/XXXX are the three inquiries in question.

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: July 8, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: CA

Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet

Issue: Managing, opening, or closing your mobile wallet account

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: NY

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

Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due

Company response:

Response Type: Closed with 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: July 8, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: NY

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Problem making or receiving payments

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: July 9, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: OH

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

Issue: Closing your account
Sub-Issue: Company closed your account

Full Complaint:
Company closed my synchrony bank sew & more account with no notice and no explanation. Account has a {{{mpg_replace}}.00} balance on it. Only found it had been closed when Iogged onto the account to check the status on it. Company closed it in XXXX of XXXX with no notice of what they did. Seems shady and suspicious to not even notify the card holder. Stay far away from any synchrony credit cards.

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: July 8, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: AZ

Product: Checking or savings account
Sub-Product: Other banking product or service

Issue: Managing an account
Sub-Issue: Fee problem

Company response:

Response Type: Closed with monetary relief

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


.00} balance on it. Only found it had been closed when Iogged onto the account to check the status on it. Company closed it in XXXX of XXXX with no notice of what they did. Seems shady and suspicious to not even notify the card holder. Stay far away from any synchrony credit cards.

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: July 8, 2019

Company Official Name: SYNCHRONY FINANCIAL

State: AZ

Product: Checking or savings account
Sub-Product: Other banking product or service

Issue: Managing an account
Sub-Issue: Fee problem

Company response:

Response Type: Closed with monetary relief

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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