April 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: April 5, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: IN

Product: Debt collection
Sub-Product: Credit card debt

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

Full Complaint:
There are 2 debt collectors that started calling me at 6 months ago and it happens every day. They each call about 15 times a day … They both start calling at XXXX until XXXX …
I’ve tried a couple times to contact them. It’s busy or someone answers saying I have the wrong number.

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: April 5, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: MA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge 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: April 5, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: WI

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: April 5, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: TX

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: April 5, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: CT

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

Full Complaint:
I contacted this bank who took over for JC Penney. I had my credit card balance placed into a collections company to pay off since I did not trust the bank to make anymore errors for purchases they charge which were not mine. I paid this off and am now questioning purchases and demand reimbursementd for those purchases I did not buy..
I have spoken to several people including a woman who works for the Office of the President and she just asked me to call others who were absolutely no assistance to me. I also contacted the XXXX

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: April 5, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: NY

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: April 4, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: OH

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

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

Full Complaint:
In XX/XX/XXXX a fraudulent charge of {00.00} appeared on my Synchrony Bank XXXX statement. I informed XXXX about this in writing and paid for MY charges in full. In XX/XX/XXXX another fraudulent charge of {00.00} from the same merchant appeared on my statement. Again I informed XXXX and paid for MY charges in full. Starting with the XX/XX/XXXX statement and every statement since then, Sync has assessed interest on the unpaid fraudulent charges. Additionally, since XX/XX/XXXX a recurring fraudulent XXXX charge has appeared on my monthly statements. I have informed Sync in writing every month of these issues. In XX/XX/XXXX, in my XXXX to Sync, I requested that my account be closed. However, I received a XXXX statement with more XXXX charges and more interest assessed, and the account was not closed. The balance on the XX/XX/XXXX statement is {.00} and consists entirely of interest charges assessed on unpaid fraudulent amounts. The fraudulent charges were acknowledged by XXXX, however, the interest charged on those unpaid fraudulent amounts was never reversed, Every month the unpaid interest is carried forward and more is added. At this point I am so frustrated with Synchrony I will pay the {.00} wrongfully assessed interest on fraudulent charges just to be done with this bank.

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 4, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: NE

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: April 4, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: MD

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:
I received a letter from a debt collector XX/XX/XXXX stating I owed {00.00} for charge with Synchrony Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my three credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXX about thirty miles away from my current residence. I did own a home nine miles from that area until XXXX, but it seemed coincidence.
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with TransUnion that indicated there was a credit inquiry by Synchrony Bank on XX/XX/XXXX. It was about the time I made a purchase from CARID for tires and wheels for $ XXXX I actually took a three payment offer through Affirm that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.

Complaint Tags: Older American

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 5, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: NJ

Product: Debt collection
Sub-Product: Credit card debt

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

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


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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