April 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: April 28, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: AL

Product: Debt collection
Sub-Product: Credit card debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

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: April 27, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: CA

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

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

Full Complaint:
XXXX XXXX XXXX Synchrony card makes it impossible to see what your charges are for.

If you have a huge balance on your account and want to know what the charges are for, it is impossible to get an answer. I have spent hours on chat with agents unable to provide basic details about charges. All I am seeking is an itemized receipt that lists the charge for the item as well as charges for taxes and shipping and credits for rewards dollars and returns.

They offer you 2 options : – View Statements under Account Activity. This is just totals. No itemization.
– Enter your order number into the main XXXX XXXX XXXX site. Again, this only yields totals. No itemization.

One agent mentioned that an itemized receipt could be sent within 30-60 days ( well past the payment due date ). She did not confirm that she would send this and no one else was able to offer this.

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: April 28, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: CA

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

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

Full Complaint:
Opened a new credit card account through a promotional deal at XXXX XXXX using Synchrony Bank The deal was for a no interest purchase if spending over {00.00}, which I did, for two years. The statement I received said the same statement that payment would not be due for 2 years.
I received a call on XX/XX/2020 that said there was a late fee charged to my account for not paying the statement, though the entire point of the account is that no payment is needed until two years from purchase date.

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: April 27, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: WA

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

Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card

Complaint Tags: Older American

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: April 28, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: TX

Product: Debt collection
Sub-Product: Credit card debt

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

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: April 27, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: IL

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:
My husband passed away on XX/XX/2020, I am XXXX XXXX XXXX. To avoid any charges on our card, I cancelled his card for being deceased, and also cancelled my card and BP – Synchrony Bank issued me a new card number. I noticed charges on our card for XXXX and Amazon but had no idea what they were, they could have been my husbands. Even after I cancelled my card, BP aka Synchrony subsequently gave XXXX and Amazon the new account numbers. The charges were not authorized. I do not have access to the XXXX or Amazon account, and Amazon says I must log in, XXXX would only say the charge was valid. I disputed the charge On XX/XX/XXXX, they made me fill out paper forms and send them in to dispute, later I subsequently called the company where I was told they cant stop it, and they will give out my card number for recurring charges. I explained that these were not authorized, and I would cancel my account if they showed back up. They stated that even if I cancelled my account with BP and Synchrony, I would still be responsible and I needed to wait for the result of their investigation. After all this time, they credited me for one month, but allowed the charges to continue on my account the very same day. They are taking advantage of a widow senior citizen by not stopping these charges.

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: April 28, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: TX

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 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: April 28, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: FL

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

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: April 28, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: NC

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: April 27, 2020

Company Official Name: SYNCHRONY FINANCIAL

State: FL

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

Issue: Unexpected or other fees

Full Complaint:
I have PayPal account I have had for years. I reported Fraudulent activity on the card and the account was frozen. I tried to reach PayPal by phone and had no success for over a week. PayPal no external email or work phone numbers to contact them unless you log into their account. Today I decided to give it one last effort and I was able to get a reprehensive in chat.
After an hour on chat I was able to access the account again. Upon reviewing my account, I found there were additional charges on the account not authorized. I told the representative about the charges and she said well PayPal has an end user agreement with all the people.
I have had a PayPal account for well over 10 years and I have never had an issue with a dispute. I currently have three charges on the PayPal account that I have closed and did not make those purchases.

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


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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