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: 7104620

Date Received: 2023-06-13

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: We received a letter in the mail stating that I was entitled to an overpayment refund of {$50.00} that was mine to claim from my past PC Richard credit card. I had to fill out and sign a letter and return it. If I did not it stated that it would become part of unclaimed monies. We sent in the letter immediatly. I never heard back. Never got a check. It has to be at least two months. Where is the check? I had a PC Richard card that was closed. We have two other active cards now. This obviously had to do with the other card that was closed. Apparently I am due a refund for an overpayment or credit and I am not receiving that even though I was sent that letter. I want this researched and someone to contact me from that bank so I can find out what is going on with this.

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

State: NY

Zip: 10314

Submitted Via: Web

Date Sent: 2023-06-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7104483

Date Received: 2023-06-13

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I have had a care credit, synchrony bank, account for over 10 years and never once was late on a payment. As I am changing banks, I called on XXXX XXXX to confirm that they had the correct information to process a payment. The customer service rep confirmed he had the correct routing number and account number. The payment was reversed because the information was incorrect. During that same call, we set up auto-pay for my mattress firm account, also with synchrony bank with the same routing number and bank account. Care Credit is part of synchrony bank. I also have a mattress firm account with them. I called today XX/XX/2023, and asked to confirm the routing and account number they have for autopay it was correct. I gave them the correct information on the phone. Otherwise, they would not have it for my autopay account. The issue now is that I had to make a payment on XX/XX/XXXX and it appears that I was late when I was not. They told me I was not allowed to file a complaint and attempted to say I gave the wrong information. How then do they have the correct information for the autopay on my mattress firm account? Their rep made an error and now my perfect payment history of ten years is ruined. These people are rude and abrupt every time I call.

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

State: OH

Zip: 44144

Submitted Via: Web

Date Sent: 2023-06-13

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7103933

Date Received: 2023-06-13

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: Synchrony Paypal MC combined with Paypal and took away many features leaving it nearly impossible to dispute or resolve issues. Also there is not contact info for the credit card. No phone, chat or email. Also can no longer see all activity. Would need to know exactly when the transaction occurred and look under that statement. Previous to XX/XX/2022 You could search in activity by dates. I had to dispute a fraud Company charge in XXXX and I had to fax my documentation since messaging is gone. Emails I receive with letters, I can NOT open on my desktop, it says : Sorry, our app is temporarily unavailable. We are working quickly to restore access. Please try again later ( see pic ). And today I received an email that says I have a message ( see pic ). To go to messages but that feature no longer exists. I have expressed all these issues to Synchrony, except for the email that came today. I dont think anyone will fix it

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

State: OH

Zip: 44130

Submitted Via: Web

Date Sent: 2023-06-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7101940

Date Received: 2023-06-11

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. XXXX USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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

State: FL

Zip: 324XX

Submitted Via: Web

Date Sent: 2023-06-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7101838

Date Received: 2023-06-11

Issue: Charged fees or interest you didn't expect

Subissue:

Consumer Complaint: Dear Sir/Madam, I am writing to raise a serious concern regarding the services provided by Synchrony Bank . My complaint centers around the wrongful application of a promotional financing period to my account and the absence of financial statements in my online portal. In XX/XX/XXXX, I agreed to a promotional financing period with Synchrony Bank, expected to last until XX/XX/XXXX. Regrettably, the bank initiated this period two months earlier than agreed, thereby shortening the duration I was promised. This unexpected alteration has caused financial strain and a clear violation of our agreement 's terms. Additionally, I have not received any financial statements related to this account, nor can I access them through my online portal. The absence of these crucial documents further exacerbates the issue, preventing me from fully understanding the implications of the changes made to my account. I have made significant efforts to address this issue directly with Synchrony Bank. I have spoken to several representatives, namely XXXX ( Employee ID XXXX ), XXXX, and XXXX, but my concerns remain unresolved. I respectfully request the CFPB to investigate this matter. My expectation is for Synchrony Bank to honor the original terms of our agreement, adjusting my promotional financing period correctly, and reversing any additional charges incurred due to their error. Furthermore, I seek assistance in obtaining access to my financial statements, either through postal delivery or via my online portal. I don't even have access to an account number, XXXX is all I have. Thank you for your attention to this matter. I trust in the CFPB 's commitment to consumer protection and look forward to a prompt resolution that will restore my faith in the banking sector. I have also attached a picture showing my account and a lack of statements that specify any terms.

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

State: FL

Zip: 32224

Submitted Via: Web

Date Sent: 2023-06-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7101832

Date Received: 2023-06-11

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: On XX/XX/XXXX I had XXXX XXXX conduct a balance transfer. They send the funds via wire to Synchrony bank. True XXXX the funds cleared XXXX and when I called Synchrony to verify their receipt they said they had not received it. They conducted an investigation and gave a temporary credit while they researched. XX/XX/XXXX the funds appeared and then on XXXX they removed the credit of {$3700.00} and then again on XXXX they removed it again. This canceling out my payment. But Im the process they showed I was negative on my available credit. I called and emailed multiple times including speaking to a manager and no resolution has been made. I was told to weight 48-72 hours and the funds would return. It has been almost a week and it has not corrected itself as they stated Due to their negligence in handling my funds and reporting to the credit bureau. They have stolen almost {$4000.00} of my money and damaged my credit due to their negligence. See attached document for the double reversal that took {$3700.00} from me.

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

State: AZ

Zip: 85382

Submitted Via: Web

Date Sent: 2023-06-11

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7101668

Date Received: 2023-06-11

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: PayPal XXXX XXXX XXXX Synchrony Bank forgave my credit account and advised me that I no longer owe any money in XX/XX/XXXX. I was issued an IRS XXXX debt cancellation form to file with my taxes as income for the forgiven amount in XX/XX/XXXX. PayPal XXXX XXXX of Synchrony Bank did not update the information in my credit report with the XXXX bureaus. I was advised by their agents several times that they will not provide me with a letter stating the account was closed, forgiven and has a XXXX balance. The creditor also refused to let me make a payment to clear up the debt as they reaffirmed that I owe no money. After several credit disputes PayPal XXXX XXXX XXXX Synchrony Bank is continuing to report that I owe {$1100.00} on the account past due. The account is showing many discrepancies in each report. Some reports show me even having an available balance of {$350.00} with 180 days late on the report as of XX/XX/XXXX. This is unfair to me as a consumer I am in the market for a mortgage this month. This dishonesty in the part of PayPal XXXX XXXX of Synchrony Bank is affecting my credit report and score. The agents refuse to assist me with advising credit bureaus if the account forgiveness and they refuse to provide Me with a letter. The credit bureaus are not honoring the XXXX form alone to update my account. I need either the creditor to update the status of {$0.00} owed or provide me the letter. This is a time sensitive matter. Please assist. I have been calling the company PayPal XXXX XXXX XXXX Synchrony Bank for assistance since XX/XX/XXXX with no success, they are making my reports worse.

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

State: NY

Zip: 11365

Submitted Via: Web

Date Sent: 2023-06-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7101623

Date Received: 2023-06-11

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I spoke with bank in regards to my account and was assured that my account wouldn't be reported as late to the credit bureau due to me having ongoing financial struggles because my industry has slowed down due to the economy. This is the second time that my account has been inaccurately reported.

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

State: AL

Zip: 35211

Submitted Via: Web

Date Sent: 2023-06-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7100692

Date Received: 2023-06-12

Issue: Credit monitoring or identity theft protection services

Subissue: Billing dispute for services

Consumer Complaint: On XX/XX/XXXX, I was reported a Hard Inquiry that states that it is from a credit card on XXXX that I am not familiar with. I wanted to report fraud and a removal of the Hard inquiry on my report.

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

State: IL

Zip: 604XX

Submitted Via: Web

Date Sent: 2023-06-27

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7099904

Date Received: 2023-06-11

Issue: Other features, terms, or problems

Subissue: Privacy issues

Consumer Complaint: On XX/XX/XXXX at approximately XXXX XXXX Eastern, I received 3 emails regarding information that had been updated on 3 Synchrony accounts ( American Eagle, Score Rewards/Dick 's Sporting Goods and Verizon ) XXXX These emails indicated my phone number had been updated on these 3 accounts. I did not make any account information changes. Around XXXX XXXX Eastern, I called customer service for American Eagle card and spoke to an offshore representative named XXXX ( Extension XXXX ). He indicated there was not a phone number on file for my AE account and added the number provided. He also checked the other 2 Synchrony accounts listed and informed me there was not a phone number listed on either account. He also added this number. There have not been any suspicious transactions on these accounts. He was unable to provide any information about the emails other than they may be a phishing attempt. He was unable to confirm the email from which they were sent ( XXXX ). I informed XXXX that when attempting to edit personal information via my AE credit card account profile, it was prompting a one-time passcode be sent to one of three phone numbers ending in XXXX, XXXX or XXXX, none of which are my phone numbers. He was unable to provide an explanation and transferred the call to another department, where I was unable to speak with a representatives. I have since noticed the Score Rewards and Verizon accounts are prompting passcodes to be sent to these same numbers when attempting to edit personal information via those accounts. I am concerned about privacy and information being compromised. Synchrony needs to provide an explanation about why 3 accounts are prompting passcodes to be sent to number which are not mine.

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

State: NH

Zip: 03102

Submitted Via: Web

Date Sent: 2023-06-11

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.