June 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: June 12, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: CA

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

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

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: June 13, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: ND

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

Full Complaint:
I purchased a unit from XXXX XXXX XXXX for {00.00} over the phone on XX/XX/2020. I told them it had to be delivered by Wednesday XX/XX/2020. I paid for this through PayPal Using Synchrony. When the invoice came I noticed that it was being sent to my billing address not the delivery address I gave them. I called them immediately and told them of this mistake. They said they would take care of it. The package had ” Signature Required ” for delivery. When the package still went to the wrong address I called to tell them it would not make it in time. They told me that was OK as it had a ” signature required ” and would not be delivered and would be sent back to them. They would then refund my purchase. On Friday the XXXX XXXX XXXX XXXX removed the ” Signature Required ” from the shipment and the Package was delivered to an empty lot, or that is what the XXXX driver said. I do not have my package and the package was not delivered with ” Signature Required ”. The documents clearly show it was to be delivered with ” Signature Required ”. XXXX does not see this they only see the package was delivered even after explaining it to them many times. There is no way to talk directly with the person who makes this decision. You only talk to a representative ” phone person ”. I can not get an answer from XXXX as to why they think the package was delivered. There is no proof the package was delivered as there is no signature to prove it was delivered, only a driver that says he dropped it off. He may have delivered it some place but it was not to me! He may also have just thrown it in a ditch. Without a signature it was not delivered. I can not go after XXXX XXXX XXXX because now there is interest on top of the purchase price.

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: June 13, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: KY

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

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

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: June 12, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: FL

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

Issue: Getting a credit card
Sub-Issue: Application denied

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: June 13, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: PA

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

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: June 12, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: CA

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

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: June 13, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: CA

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

Full Complaint:
On XX/XX/2021, I received an email from Synchrony Bank, with the subject Your PayPal Mastercard Statement from Synchrony Bank is Available Online stating that my statement was ready for review. I wanted to check the account balance and make changes to my monthly payments, when I clicked on the link in the email, it directed me to my PayPal account, and nowhere on that site I could find my credit card statement or account information on PayPal Cashback Mastercard issued by Synchrony bank.
On XX/XX/2021, I called the number on the back of the card : XXXX to find out why I can not access my credit card statement and information. I was greeted with a menu and a request to enter my credit card number. It informed me of my account balance and of the payment made. I requested a live customer service agent, who could not help me and sent me to another agent who also could not help me, and that agent sent me to another who could not help me. I was going around in circles, on a loop with customer service people who could not answer my question or help me. I was then sent back to the initial menu. I called back and the same loop process began. I called and complained about not receiving a proper answer to my request, and the customer service agent hung up on me.
On XX/XX/2021, I contacted PayPal online on its robot customer service to request access to my credit card statement and information. I talked with a chat robot which did not resolve my issue.
My last access to my account was via Synchrony bank, in XX/XX/2021 or before that ( but I am not sure of the exact date ), when I was able to set auto-pay for the minimum payment due.
Both Synchrony and PayPal are in direct violation of clause 14 of their CARDHOLDER AGREEMENT PAYPAL CASH MASTERCARD : ” 14. Right to Receipts and Periodic Statements. You should get a receipt at the time you make a transaction with the Card. You have the right to receive an account statement showing your PayPal activity, including a record of transactions made using the Card. You may view your PayPal statement by logging into your PayPal account at https : //www.paypal.com/us/signin. ”

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: June 14, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: FL

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

Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect

Full Complaint:
I am in receipt of a response letter dated XX/XX/2021 from XXXX which did not adequately respond to my complaint. I am not sure why this response took 60 days as it was a canned response and it is clear that NO RESEARCH was done as to the accuracy of my information. Perhaps I was not clear so I am attempting to add clarity to this complaint.

The original letter I received from Synchrony Bank outlined the following issues with a Credit Report that they received from XXXX.

1. Date of issuance of applicant ‘s SSN does not match date of SSN of peers. Please inform me how to correct this information. Is XXXX aware that I was born in the XXXX and at that time you did not apply for your SSN until your parents determined that you needed it for a summer job or other purpose. My brother, who is 18 months younger has a SSN that is only 2 numbers from my own. SO IF THIS IS AN ITEM THAT WILL IMPACT MY SCORE OR ABILITY TO OBTAIN CREDIT, HOW IS IN CORRECTED?

2. Applicant associated with multiple phone changes. Again, I would like to be informed where they got this information and how to correct this erroneous information. I have had the same phone numbers ( Home, yes I have a land line, and Cell ) for over 15 years. So they either you have a bad source, are pulling bad information or just DO NOT CARE about the accuracy.

3. Distance between applicant ‘s address and area code of phone number. Where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. Both my home and cell number start with a ( XXXX ) area code. I live in XXXX Florida just outside XXXX where the area codes are XXXX XXXX XXXX original area code and ( XXXX XXXX newer area code. So I actually have one of the original area codes before they stopped issuing that area code.

4. Total account balances. Again, where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. My credit card usage constantly is low and I pay all non zero interest balances in full every month. I do not have any car loans and my mortgage balance could be paid in full but I chose not to due to having an interest rate under 2.5 % ( I am 6 years into a 10 year loan ).

I would like the company to tell me the sources of the data that they provided to the credit grantor and how to correct errors in these areas. What proof would be required to support that fact that their data in incorrect.

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: June 12, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: FL

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

Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don’t recognize

Complaint Tags: Servicemember

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: June 12, 2021

Company Official Name: SYNCHRONY FINANCIAL

State: NC

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

Full Complaint:
I would like to file a complaint against the retail company J C Penny. I had an account with the company and it was almost paid off. I was told there was a {0.00} balance and I ask if as many of my previous payments could be allocated to cover the balance so that would be done before the promotional period date. I was told yes and it would take a couple of months. I continued to pay the minimum amount but every month if the adjustment was put on it was also taken off. I called every month after getting my bill for a year only to be told not to worry about it the late fee would be taken off and the adjustments would be allocated correctly. It never happened and I am now being told they are reporting my account as delinquent to the credit bureau ruining my perfect credit! Ive had an account with them for years and now since right before the pandemic I am being frauded. They have jacked my account up to thousands of dollars and continue to send me bills and threatening letters with the same. I dont owe them any money and I requested the account be closed last year! I destroyed the card and have not shopped in the store in years. If they are allowed to get away with this, imagine how many others they are stealing from. I have requested previous statements to send when needed. Please help me.

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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