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: 7355591

Date Received: 2023-08-05

Issue: Improper use of your report

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

Consumer Complaint: I just seen on XX/XX/XXXX the jvoennys is reporting that I opened a new credit card. I DID NOT

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

State: SD

Zip: 57201

Submitted Via: Web

Date Sent: 2023-08-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7355309

Date Received: 2023-08-05

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: dates, amounts, and actions please see attached documents explained within this complaint. Also, the action I have taken but the company to no avail keep delaying for time in resolving this consumer credit card complaint.

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

State: CA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-08-15

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7355270

Date Received: 2023-08-05

Issue: Improper use of your report

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

Consumer Complaint: I recently got a notification from XXXX about a recent inquiry. So I pulled a copy of my most recent consumer reports and noticed an unauthorized inquiry by ( XXXX XXXX XXXX ) immediately filed a report with the FTC & here I am following up with the CFPB now.

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

State: RI

Zip: 02907

Submitted Via: Web

Date Sent: 2023-08-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7355047

Date Received: 2023-08-05

Issue: Problem with fraud alerts or security freezes

Subissue:

Consumer Complaint: Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission. I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application. My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT. ATTACHED YOU FIND A COPY OF MY STATEMENT.

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

State: CA

Zip: 90250

Submitted Via: Web

Date Sent: 2023-08-10

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7354882

Date Received: 2023-08-05

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: Hello, I bought a mobile phone on Amazon for about {$660.00} ( I dont remember the exact figure ) and I dont know why it turned into a credit card payment called Synchronous Bank XXXX Then I received the bill from the bank, and I sent a check for US {$660.00} according to the billing address, but a week later, they emailed me that the repayment was overdue and needed to repay US {$690.00}, so I followed their link and sent another US {$690.00}. I then called to explain the situation and they also refunded me the {$690.00}. Now the bank wants me to repay XXXX plus overdue fees. ( The check receipt from XXXX XXXX has been sent to Synchrony Bank, and the email has also been sent to them ) I have been calling and communicating with the customer service staff for half a year and it has not been resolved. Please help the government to deal with it. Thank you! XXXX XXXX A screenshot of my remittance receipt is also pasted below, thank you ( it was sent by XXXX XXXX )

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

State: CA

Zip: 94568

Submitted Via: Web

Date Sent: 2023-08-15

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7353946

Date Received: 2023-08-04

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I am the author of this complaint. I checked my credit report and saw that an account from SYNCB/CARECREDIT was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX XXXX to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. SYNCB/CARECREDIT has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint

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

State: GA

Zip: 31093

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7353929

Date Received: 2023-08-04

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: Synchrony bank keeps adding a phone number which does not belong to me as the only option for 2fa verification. This has prevented me from accessing my account online as I can not login using any phone number that belongs to me. I have repeatedly contacted synchrony bank to ask for assistance with this issue and have been repeatedly told that the phone number is being updated and I should try again in 24 hours.

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

State: MA

Zip: 02472

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7353609

Date Received: 2023-08-04

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: In XXXX when I lived in Arizona I had a Mervyns credit card account that unfortunately I wasn't able to pay because I lost my job my house and my mother had passed away in XXXX. I had to move out of state to seek a better future since I was a single parent with XXXX kids. I moved to California and have been here for the last 17 years. I'm getting served with courts documents from what I believe is a 3rd party office claiming to be from Mervyns stating I am being sued for over XXXX that I supposedly owe Mervyns when in fact I owed about XXXX to XXXX dollars. It's been about 21 years since I had this account. Is this even possible?? I need help please I can't pay over XXXX. I'm a single parent with a special needs child whom I take care of all by myself. What can I do to stop these people from placing a judgment on me??

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

State: CA

Zip: 90744

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7353600

Date Received: 2023-08-04

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 XXXX XXXX I was charged {$4000.00} for a treatment for my wifes XXXX XXXX. The treatment did not work and the doctor has moved to another state so it is impossible to rectify this with the merchant. Basically we were charged for something we did not receive so the problem is with the quality of the goods and services which is covered under the special rule for credit card purchases. Care Credits chat disagreed with this and directed me to complete the attached form with the admonition that not all charges can be disputed.

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

State: CA

Zip: 93401

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7353571

Date Received: 2023-08-04

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: XXXX XXXX is reporting on my credit report that they own a debt from Synchrony Bank Lowes in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations. 15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place XXXX XXXX in further violations. I reserve all my rights.

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

State: NH

Zip: 032XX

Submitted Via: Web

Date Sent: 2023-08-04

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.