SYNCHRONY FINANCIAL


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"Products" offered by SYNCHRONY FINANCIAL with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - VA mortgage
Other financial service - Credit repair
Other financial service - Debt settlement
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift or merchant card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Transit card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 8364101

Date Received: 2024-02-17

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: On XX/XX/2024 I notified Synchrony Bank that there were two fraudulent charges on my XXXX bill made to a company in XXXX XXXX when I was vacationing in XXXX. Synchrony agreed these charges were not made by me, but sent me a bill due XX/XX/2024 including them. I called nine different phone numbers over the past three weeks to get an accurate balance and a request to cancel my card. No one I spoke with on the phone or in a chat had access to my account or could cancel the card. Instead, I kept getting pitches for financial services with recurring monthly fees.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 105XX

Submitted Via: Web

Date Sent: 2024-02-17

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362982

Date Received: 2024-02-16

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: The credit card was opened XX/XX/year>. They used an old address and email address. Disputes have gone to the creditor and credit reporting agencies. This is not my card! I have asked them to freeze my report.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: 182XX

Submitted Via: Web

Date Sent: 2024-02-23

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362373

Date Received: 2024-02-16

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: On XX/XX/24, I made a complaint about PayPal Credit limiting my access to my online account set up to make payments, excessive late fees, and improperly reporting to Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) regarding this account because they kept fraudulently adding late fees by blocking my access to the online site to making payments. On XX/XX/XXXX and XXXX I received two email notices one listing my new computer bill of {$420.00} on XX/XX/XXXX, and the other on XX/XX/XXXX, for a minimum payment of {$260.00} and a balance of {$1200.00}. PayPal has continued to harass me with this account and I want damages to be imposed on them. I would like the balance to be XXXX out and to sever all ties with PayPal because of their fraudulent practices. Please see the attach email notices from them

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MS

Zip: 387XX

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362368

Date Received: 2024-02-16

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Account listed as written off and Ive asked for 1099 and never received. Second account is reporting an incorrect balance. Also, on the account they are reporting an inaccurate personal address which I have No recognition of.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 08753

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362366

Date Received: 2024-02-16

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Account listed as written off and Ive asked for 1099 and never received. Second account is reporting an incorrect balance. Also, on the account they are reporting an inaccurate personal address which I have No recognition of.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 08753

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362360

Date Received: 2024-02-16

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I have a lot of hard inquiries in my credit report I don't recognize them I have 14 I only know 3 XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MA

Zip: 02721

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8360144

Date Received: 2024-02-16

Issue: Incorrect information on your report

Subissue: Information is missing that should be on the report

Consumer Complaint: XX/XX/XXXX, opened line of credit with JC Penney department store with Synchrony Bank managing the card. Listed wife, XXXX XXXX, as authorized user. JCPenney transferred the account XX/XX/XXXX and transitioned the line of credit to another JC Penney card, also from Synchrony Bank. Currently, both I and the authorized user are missing seven years and five months of credit reporting history ( XXXX XXXX XXXX ), impacting our length of credit and therefore impacting the credit score. JCPenney is reporting the length of credit history beginning with XXXX. XXXX requires a credit history of 25 years for an " excellent '' rating for age of oldest credit line. Without the missing nine years of JCPenney credit history, my authorized user has an oldest account listed as 17 years. Adding the seven years of history with JCPenney will allow my wife to demonstrate length of credit history of 26 years. This will have a positive impact on both our credit scores. A letter sent to JCPenney in XXXX, XXXX, requesting a change to their reporting, has gone unanswered.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 08332

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8359029

Date Received: 2024-02-17

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: I filed a complaint which was not properly addressed, you will see that my complaint was not properly responded to and the merchant stated delivery was confirmed on days prior to XXXX communicating failed delivery attempts to me, this was added previously along with direct communication from Rooms To Go stating that I was not to be charged until I received what I paid for, Synchrony has backtracked from their original reason for denial which was a signed delivery slip to now using delivery confirmation which was provided prior to XXXX stating I was not available for delivery, I would also like to add they closed my previous account for frauf when I never reported which has wiped all previous communications with them on this matter and I believe this to be intentional, I now need Synchrony to explain as this directly contradicts their reason for denial, I would like XXXX XXXX to explain to me how you are denying a dispute stating that I received items on these days when each tracking number associated with the items shows I was either " unavailable '' for delivery or " unable to be contacted '', according to your policy I am not to be charged until furniture is accepted into my home which it never was and according to XXXX i was unavailable for delivery after the dates which you are claiming delivery was confirmed and this is clearly communicated by XXXX so please explain how you can negate this information? You state the merchant has provided documentation showing this was delivered on these dates and I have provided documentation showing that it was not which is after the confirmation you are using to deny my dispute, I would like to remind you your policy specifically states, I will not be charged until I have accepted merchandise into my own home, I expect a full response.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 782XX

Submitted Via: Web

Date Sent: 2024-02-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8356417

Date Received: 2024-02-15

Issue: Managing an account

Subissue: Problem making or receiving payments

Consumer Complaint: I am a XXXX XXXXXXXX who utilizes Synchrony Financial to offer deferred interest financing to my customers since XXXX. Once jobs are completed, a customer will sign off on the acceptance of the work and I will submit a transaction to Synchrony in which they will pay me the contract value less a small fee and then work directly with the customer to get paid on a monthly basis. At the beginning of XXXX, I changed my business from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown to me, this change also resulted in a new Taxpayer Identification Number being issued by the IRS. Because my TIN number that Synchrony had on file was no longer valid, they started withholding 26 % of the customers ' payments owed to me in which I can get this money back when I file my XXXX taxes in XXXX ( a year later ). It was my error in not realizing my TIN number changed and I submitted an updated XXXX with correct TIN number to Synchrony on XX/XX/XXXX to XXXX. I followed up with a second e-mail on XXXX and also spoke to multiple departments over the phone and no-one can confirm my W-9 was received despite saying it should be updated within their system in 3-5 business days after submission. I followed up again via e-mail on XX/XX/XXXX and again this morning ( XX/XX/XXXX ) via phone. When calling their Merchant Services department, I get bounced around like a ping pong ball and do not get any answers or resolution. My problem is that I have a completed job in which the customer has signed off on but I can not submit to Synchrony for reimbursement until they process my updated W-9 and remove the IRS Business Withholding . I am just not getting any answers from Synchrony at this point. As a small business owner, my profit margins are only around 25 % to begin with, so withholding 26 % on my gross revenue jobs ran thru Synchrony is actually making me breakeven or lose money which is not a sustainable business.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: OH

Zip: 44203

Submitted Via: Web

Date Sent: 2024-02-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8356416

Date Received: 2024-02-15

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: XXXX XXXX, 2023. Hacker got into my phone, used PayPal to order 5 {$100.00} cash cards from XXXX XXXX, another {$100.00} card through PayPal credit, and used XXXX to send {$250.00} from my checking account to someone named " XXXX XXXX ''. I discovered the problem and immediately called PayPal, Synchrony Bank, and XXXX XXXX XXXX XXXXXXXX to alert them to the problem. I then called all my credit cards and reported what had happened, and factory reset my phone. Synchrony admitted hacker fraud and expunged the {$100.00}. XXXX XXXX XXXX XXXX did the same and refunded my {$250.00}. PayPal opened a 'fraud investigation ', but never removed the {$500.00} from my account. After numerous calls to PayPal, and numerous passes from one customer service rep. to another, I got no decision from them, other than " we're still working on it ''. Six weeks later, I receive a debt collection notice in the mail. PayPal 's " fraud investigation '' is a joke. They said the purchases were " typical of my spending habits. '' I have never bought ANYTHING from XXXX XXXX, nor have I EVER purchased a cash card through PayPal. I am continuing to pay PayPal for the purchases I did make previous to this incident, and when that is concluded, I will cut off any further communication with PayPal.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: OR

Zip: 971XX

Submitted Via: Web

Date Sent: 2024-02-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.