February 2020 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 2020, the CFPB received 4842 complaints against Synchrony. Synchrony ranked Number 9 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: MS

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

Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement

Full Complaint:
I placed an order with XXXX XXXX on XXXX XXXX for two dresses to attend a XXXX XXXX ball on XX/XX/2020. I paid for the dresses through my paypal line of credit. Well I have emailed and called and emailed and called the XXXX XXXX company and have not gotten a answer or update on my order. So being that I needed the dress by XX/XX/XXXX and it does not look like its coming, I filed a dispute with paypal ( whom i paid for the items through ). All paypal did was tell me they have reached out to the company and Have not got a response from them.. I have read reviews on The XXXX XXXX company and many buyers are saying that experienced the same thing that I am experiencing and some even said they never got there order and the company nor paypal will give them their money back. I can not understand why paypal will be letting this company use them and they are a fraud.

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: NY

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

Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: VT

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

Full Complaint:
XXXX bought a new car, went to XXXX/Synchrony got the car rust proofed took out a 12 month no interest credit card set up a auto payment never got a billing statement at all. Four times I called them and they said they would send a statement never did. In XXXX of XXXX I bought a set of tires with six months interest free for 6 months if paid in full still never got a statement. in XXXX or XXXX called again they had charged me over 700 in interest because they made sure they were not payed first amount rust proofing was all paid to XXXX charged 400 plus and the tires another 300 plus still no statements to see where the payments were going or given the option to pay it off I received my first statement in XX/XX/XXXX. I have three accounts with them and two of them having the same problem no statement can’t see where the money is going HSN, XXXX, and tires on XXXX which is now closed this company practices is very dishonest so you never pay off the specials they offer they need to change their way they do business Thank You

Complaint Tags: Older American, Servicemember

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: NC

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: AZ

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

Issue: Fees or interest
Sub-Issue: Problem with fees

Full Complaint:
False promises are given by reps and supervisors. I reached out to Care Credit In XXXX as I had noticed on my statement that my balance had increased dramatically. I was informed my promo had ended and that I was charged the full interest. I asked how I could get this resolved. The rep stated that if I paid my promotional balance in full by XX/XX/XXXX which happened to be my birthday, that they would waive the rest of my balance as it was all interest and late fees. I had been paying double my minimum for a year not realizing that this was doing nothing for my balance due to the fact that my payment was submitted on time however not posted on time and late fees were assessed in the amount of {0.00} for the year. The rep seemed to understand. Fast forward a week, I submitted a payment of {0.00} towards my {0.00} promotional balance. I contacted Care Credit again asking for my interest and fees to be waived. They stated that the promo balance needed to be paid in full first before they could waive anything. Fast forward another week or two. I submitted another payment of {0.00}. This left my balance of {0.00}. This is made up of {0.00} in interest and {0.00} in late fee ‘s. My promo balance was now paid in full. I contacted Care Credit again. I let them know my promo balance was paid in full and that I needed the remaining balance waived. They waived the original interest and still continued to charge me interest on a balance made up entirely of late fee ‘s refusing to waive the late fee ‘s aside from two equalling {.00}. I explained I was promised that if I paid my entire promo balance in full that my account would be wiped to a XXXX balance as the remaining would only be interest and late fees. The supervisor told me there is nothing he can do. So they basically tricked me in to pay this large lump sum under an agreement that I would then be in good standings when I followed through with my part they did not follow through with theirs. I now have used all the money I have and am being threatened to be sent to collections over a {0.00} balance of late fees and interest on my late fees. Safe to say I closed this account as I do not want to deal with this company and it’s untruthful ways ever again.

Complaint Tags: Servicemember

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: WI

Product: Debt collection
Sub-Product: I do not know

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Complaint Tags: Servicemember

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: WV

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

Issue: Fees or interest
Sub-Issue: Charged too much interest

Full Complaint:
PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over { {.00} } are advertised as 6 months no interest, no payments. Purchases under { {.00} } must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under { {.00} }, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over { {0.00} } even during months when no new purchases were made.

In addition, Paypal would not recover money paid for a couch that fell apart before I had it one year.

Complaint Tags: Older American

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: NJ

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

Issue: Problem with a purchase shown on your statement
Sub-Issue: Overcharged for something you did purchase with the card

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: MA

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: February 4, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: MD

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

Issue: Fraud or scam

Full Complaint:
On XX/XX/2020, I made a payment of {00.00} to Synchrony Bank as payment on my XXXX credit account. My XX/XX/XXXX, XXXX statement showed that I had to pay {00.00} by XX/XX/2020, to avoid all deferred and continuing interest charges. I had earlier in the month paid {0.00}. On XX/XX/2020, my bank removed {00.00} from my checking account and transferred it to Synchrony Bank. As of today, XX/XX/2020, Synchrony Bank refuses to acknowledge receipt of that money and apply it to my account. I have called them twice, they say the payment is ” on hold ” and won’t be credited for at least two more weeks, even though the money is gone from my checking account and in their possession. I also attempted to submit a complaint on the XXXX credit ” Resolution ” page at least three times, and every time I get an error message conveniently claiming they’re having ” technical problems, try again later. ” I did manage to submit a complaint through their ” review ” page of the Resolution page, for what that is worth.

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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