March 2021 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 2021, the CFPB received 5323 complaints against Synchrony. Synchrony ranked Number 10 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: March 31, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: NY

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

Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged

Full Complaint:
The account as per XXXX XXXX stated the account was opened in XX/XX/XXXX. I had lost my wallet and i had all my information in my wallet. I had attempted to have every single document that I had in my wallet replaced social security card, birth certificate, driver license etc. I am not responsible for this debt due to FCRA requirements.

Please remove this off my credit the account was fraudulently made.

XXXX 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


Complaint Details:

Date of Complaint: March 31, 2021

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: Account information incorrect

Full Complaint:
On XX/XX/XXXX I applied for higher credit limit ( currently {0.00} ) on my JCPenney card ( Synchrony Bank ) but was denied. When I received the denial letter it had incorrect information by XXXX.

The letter reflected the date of XX/XX/XXXX with a score of XXXX. My XXXX score was not XXXX on the date of request XX/XX/XXXX and additionally my XXXX score on the same date range was/is XXXX. It appears that the creditors and/or XXXX are deliberately trying to negatively impact scores by not updating their system when the account balances are paid down.

I have another pending complaint against XXXX for the same type of issue.
COMPLAINT ID 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


Complaint Details:

Date of Complaint: March 31, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: PA

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

Issue: Closing your account
Sub-Issue: Company closed your 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: March 31, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: PA

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:
Back in XXXX of XXXX, reached an oral settlement with Lowes/synchrony bank over a credit card dispute.
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee.
In XXXX of XXXX received an invoice from Lowes/Synchrony bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XXXX of XXXX.
In XXXX of XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.

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: March 31, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: TX

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: March 31, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: IL

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: Investigation took more than 30 days

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: March 31, 2021

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: Information belongs to someone else

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: March 31, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: CA

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

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: March 31, 2021

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: Their investigation did not fix an error on your report

Full Complaint:
SYNCB/PPC- PAY PAL I contacted XX/XX/XXXX to dispute remarks on my account. They replied back the information is accurate and would remain on my account. I closed the account last year because it was an online card not a physical card. The lender agreed to close the account as long as I paid the minimum balance monthly. I have done exactly what I agreed to. They fraudulently reported that they closed the account. I closed the account willfully and they never sent me any documentation stating that Id be penalized for closing my 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: March 31, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: OH

Product: Debt collection
Sub-Product: Medical debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged

Full Complaint:
On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and Deltas investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again.

The overage of the cost was financed through Synchrony Bank. These documents were presented to me for signature at the end of my eight hour, routine crown restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed.

On XX/XX/XXXX ; I was served with a Subpoena. Synchrony Bank was suing me for the funds in which the financial documents were signed without my knowledge.

On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : XXXX XXXX. XXXX ; Synchrony Bank vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio.

I filed a Statement of Issues with the Court on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX.

On XX/XX/XXXX ; evidence was reviewed and the case was dismissed.

Synchrony Bank then sold this debt, which was dismissed by the Court by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, XXXX XXXX XXXX name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because XXXX is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX.

XXXX has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and XXXX, I could not have my name on our new Mortgage thus, I am now vulnerable.

XXXX XXXX has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed.

Im attaching the Court records and, Synchrony Banks Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report XXXX us showing them as payments made.

Thank you.

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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