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: 6804047

Date Received: 2023-04-06

Issue: Advertising and marketing, including promotional offers

Subissue: Confusing or misleading advertising about the credit card

Consumer Complaint: I made a purchase of a mattress ( ~ {$3000.00} ) XX/XX/2022 from Mattress Firm and opened a Synchrony bank to financing the balance. I was misled by the salesman that i can pay off in three years and but this XXXX, they charged me a huge amount of interest ( ~ {$1000.00} ). I receive no notification or phone call before they made the interest charge. I called Synchrony bank several times but they said that they can do nothing to do. it seems that all they want is the interest, and once charged, they will return it in no ways.

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

State: PA

Zip: 15090

Submitted Via: Web

Date Sent: 2023-04-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6803963

Date Received: 2023-04-06

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I purchased a product originally advertised by PayPal credit, I ordered the product from a company called XXXX https : XXXX When I received the product I realized they sent me an XXXX version of the product and was not functional for my American home, it was an expression machine with an XXXX type of electric plug. I quickly informed XXXX about the issue and they sent me a return label. I sent the product back, they acknowledged the return but I never got a refund. I contacted both XXXX and PayPal credit several times explaining myself about the situation. XXXX say they accepted my return but PayPal credit hasnt cleared the charge from my account, this was almost a year ago and they keep calling me and have now billed me multiple times and have caused me to incur interests that have hurt my credit. I keep telling them I returned the product but they dont accept it. Anything I can do?

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

State: NY

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-04-06

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6803687

Date Received: 2023-04-06

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 have a Synchrony Bank XXXX XXXX ( account # ending XXXX ). On XX/XX/2023, I went through my card statement and discovered a fraudulent transaction : a merchant that I had previously purchased from but subsequently cancelled charged my card again on XX/XX/2023. The merchant is XXXX. The charge is for {$39.00}. When I try to log in to XXXX, it tells me that my account no longer exists ( see Exhibits 1 and 2 ), confirming that the charge was unauthorized. I immediately attempted to contact Synchrony Bank via phone- which was extremely difficult in the first place - the phone number is not readily accessible. I had to listen to several minutes of automated information about my account, which I had not asked for. Finally, when I was connected to a human, representative took down my details, then told me I would have to be transferred to another department. After waiting on hold for 30 minutes, I was hung up on. Evidently, this is Synchrony 's way of deliberately preventing reports of fraud on the account.

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

State: NY

Zip: 10003

Submitted Via: Web

Date Sent: 2023-04-06

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6803309

Date Received: 2023-04-06

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: First let me state that I my information has been compromised by XXXX Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from XXXX, dba XXXX. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXX to XXXX. Per CFBP Debt collection rules and Debt collection rights ; XXXX failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline ( XXXX ). The company, XXXX sent a noncompliant response, dated XXXX XX/XX/XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. XXXX failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, XXXX requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to XXXX On XXXX XX/XX/XXXX, which XXXX acknowledged receiving ( see attachment ) a copy of the letter on XXXX XX/XX/XXXX ; per certified documentation. However, XXXX in their written communication responded as XXXX XXXX XXXX & but are reporting to credit bureau as XXXX. It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are XXXX or XXXX XXXX XXXX ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as XXXX and reporting to credit bureau as XXXX on my credit report. Again, XXXX XXXX failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress . Either way, XXXX failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that XXXX must immediately remove/stop negatively reporting to all 3 credit bureaus. Additionally, I had accounts with Synchrony Bank ( Care Credit ) & paid my debt. I also called PayPal and spoke with a representative that stated I 'did not have an account that I owed at PayPal . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.

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

State: MO

Zip: 63368

Submitted Via: Web

Date Sent: 2023-04-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6803143

Date Received: 2023-04-06

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: This bank lost my {$4000.00} Cashier 's Check that I mailed to their physical address via XXXX Registered Mail on XX/XX/2023, received on XX/XX/2023 and signed for by a XXXX XXXX on XX/XX/2023 at XXXX. This bank has absolutely no clue what happened to my check. I opened a case. I asked for a full investigation. I asked this bank to ask XXXX XXXX what he did with my check after he signed for it. This bank claims they fully investigated this matter and closed my case. The {$4000.00} is still owed.

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

State: FL

Zip: 33446

Submitted Via: Web

Date Sent: 2023-04-07

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6802706

Date Received: 2023-04-07

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I recently set up a joint savings account for my mother XXXX XXXX XXXX with synchrony bank XXXX. I then funded account with XXXX from our joint XXXX XXXXXXXX account XXXX. I did this from within synchrony website. The money was withdrawn from XXXX XXXXXXXX on XX/XX/2023 but synchrony said they never received funds. I have been working with both banks for hours. XXXX XXXXXXXX said it was authorized by us so they cant do anything. Synchrony refuses to handle. I cant believe both banks wont help and I dont know what to do.

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

State: OH

Zip: 43230

Submitted Via: Web

Date Sent: 2023-04-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6802696

Date Received: 2023-04-07

Issue: Problem with a purchase shown on your statement

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

Consumer Complaint: A Synchrony Lowe 's account was opened in my name to make purchases over {$8000.00} dollars. I called Synchrony XX/XX/XXXX to report the fraud. They gave no follow-up but instead sent me the credit card in XX/XX/XXXX. I responded and disputed the card and charges. I asked them to tell me who has been using the card and review video of who made purchases. They stayed they would perform an investigation and let me know in writing the outcome. Today XXXX I received a letter from Synchrony stating the account is past due as of XX/XX/XXXX. They have made zero attempt to contact me or follow-up with any investigation they may have completed. I have not made a single purchase with this card, they are not making any effort here to correct this.

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

State: NC

Zip: 28117

Submitted Via: Web

Date Sent: 2023-04-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6802058

Date Received: 2023-04-07

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit report act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 uscs 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: TX

Zip: 798XX

Submitted Via: Web

Date Sent: 2023-05-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6799706

Date Received: 2023-04-05

Issue: Trouble using your card

Subissue: Can't use card to make purchases

Consumer Complaint: I was approved for a XXXX XXXX XXXX XX/XX/2023 was suppose to receive it within 7-10 working days, I never have received the card even though an account has been set up at Synchrony bank XXXX I have tried to contact them to no avail, ( representative could not speak America English to well ). I received an email stating a card was sent out and would recieve it by XX/XX/2023 but I still have not received the card as of todays date, XX/XX/2023. IT is Account ending in : XXXX

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

State: MS

Zip: 394XX

Submitted Via: Web

Date Sent: 2023-04-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6799429

Date Received: 2023-04-05

Issue: Problem with a purchase shown on your statement

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

Consumer Complaint: I previously contacted synchrony bank CareCredit in response to noticing a charge that was not authorized by myself XX/XX/XXXX. I gave them all of the information regarding my personal information and everything that they asked me for in terms of helping them to do a thorough investigation. The charge was initially taken off of my card and then it was reversed in XX/XX/XXXX. I am now having the same exact issue on XX/XX/XXXX. There was a charge made on my card that has no merchant name it just has a city and state of XXXX Ohio. This is not a charge that I am aware of it is fraud. I have made no purchase in this amount of {$2300.00}. What also concerns me is that someone is able to fraudulently obtain my information and make these charges to my card I have expressed my concerns with CareCredit, Synchrony, Bank and I am not getting the support. I feel that I need to ensure that my information is being protected, I have had a fraud alert, put on my my credit report because I have been a victim of identity fraud in the past. However, it is very concerning to me as a consumer that I keep getting my information compromised, and these fraudulent charges are being made. I originally initiated a claim with the ftc.gov which brought me to the CFPB. I also am in the process of going to the authorities to file a police report because I am now becoming a victim of identity, fraud, and Internet crimes more often I am comfortable with something have to be done about this as a consumer we do not deserve to have our information stolen and charges made and then we are responsible for this. I also hold the company is responsible for making sure that we are not liable for any charges that were not authorized by us.

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

State: FL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-04-05

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.