Synchrony

In XX/XX/XXXX I financed an HVAC purchase of {$8300.00} through a Synchrony Bank deferred interest promotion with an expiration date of XX/XX/XXXX. I enrolled in automatic payments immediately and made uninterrupted monthly payments of {$400.00} throughout the entire promotional period. At no point did Synchrony notify me that my autopay amount was insufficient to retire the full promotional balance before the expiration date. No alert, notice, or communication was sent indicating I was on track to have a remaining balance at expiration. On or around XX/XX/XXXX, Synchrony posted a deferred interest charge of {$2600.00}, representing interest that had accrued since the original purchase date. An additional interest charge of {$84.00} posted in XX/XX/XXXX. I contacted Synchrony customer service to request a courtesy adjustment and was told nothing could be done because the promotion had expired more than 30 days prior.…

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On XX/XX/XXXX my wife and I purchased a refrigerator for {$2100.00} at XXXX using the Synchrony card. The terms were to have the refrigerator balance paid off in XXXX months to avoid any interest. We setup a $ XXXX/month autopay that would easily cover the amount. A month later and a few times past that we bought some items which apparently was added to our promotional balance. It was never disclosed that items purchased after the fact would impact the promotion balance. Because of this we were fined {$600.00} deferred interest fee on XX/XX/XXXX. I am disputing the {$600.00} interest charge based on Regulation Z, 12 CFR 1026.53 ( b ) ( 1 ) ( ii ). Synchrony failed to properly allocate my payments to the deferred interest balance. I contacted them and spoke to several XXXX, including XXXX, but they we unwilling to help or meet in the middle at all. Any help or assistance with this would be greatly appreciated. Thank you for looking into this matter.

Company : Synchrony Financial Product : Credit card Issue : Billing dispute / interest charges/ lack of notice of promotional rate expiration What happened On XX/XX/year>, I discovered that my Synchrony Financial credit card was charged interest at a rate of 34.99 % after a promotional rate expired, without any notice being provided to me. In the past, I relied on paper billing statements to track when promotional rates were ending so I could pay balances in full and avoid interest. I am enrolled in automatic payments, and paper statements were my primary reminder for promotional expiration dates. I did not receive any notificationby mail, email, or textthat the promotional rate was ending. Because I was not notified, interest accrued unexpectedly. When I contacted Synchrony, a representative named XXXX informed me that the total interest charged was {$2500.00}.…

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On XX/XX/XXXX, I made a purchase totaling {$720.00}. The merchant issued refunds of {$73.00} and {$36.00} on XX/XX/XXXX, totaling {$100.00}. These refunds were confirmed and I provided proof, including email documentation sent to PayPal on XX/XX/XXXX. PayPal has acknowledged receipt of this documentation. However, my account balance does not reflect these refunds correctly. The balance should be {$0.00}, but it remains inaccurate due to a billing error. I contacted PayPal multiple times and spoke with a manager. Despite acknowledging the documents, they stated the review could take up to 60 days and have not corrected the balance. This delay is causing ongoing financial harm. The incorrect balance is negatively impacting my credit profile and limiting my ability to obtain a personal loan at a reasonable rate. I need this loan for urgent home repairs ( siding damage causing pest issues ). I previously filed a complaint ( Case # XXXX ), but the issue remains unresolved.…

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On XX/XX/XXXX, I purchased a XXXX XXXX '' OLED TV ( Order # XXXX ) at XX/XX/XXXXfor {$2000.00}. The unit was defective immediately upon purchase. On the same day, XX/XX/XXXX, I returned the defective TV to the merchant. I received an official electronic " Return Items '' receipt for the full amount of {$2000.00}. Despite this, the credit was never properly applied to my XXXX account, or it was incorrectly reversed. For the pastXX/XX/XXXX months, I have attempted to resolve this billing error with Synchrony Bank. I have provided the merchant 's return receipt as evidence, yet the bank recently closed my dispute on XX/XX/XXXX, claiming " no proof of credit was received. '' I have never owned XXXX televisions from this transaction ; there was only XXXX purchase that was fully and legally returned. The bank is forcing me to pay for merchandise that I do not possess and that they have proof was returned. This is a clear violation of the Fair Credit Billing Act ( FCBA ).…

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b'I am writing to formally escalate an unresolved issue regarding $XXXX in cashback rewards that I earned through my PayPal Cashback Mastercard. (XXXX XXXX XXXX XXXX). My PayPal account is : XXXX I am unable to redeem these rewards because the cashback can only be deposited into my PayPal account, which is permanently limited. I have contacted customer service multiple times by phone and email and requested either: Issuance of a check for the earned cashback, or A temporary lift of the account limitation solely to allow redemption Both requests were refused, leaving me with no method to access rewards that were validly earned. This situation is not the result of misuse of the cashback program. Denying redemption without providing a reasonable alternative effectively withholds earned rewards.XXXXPayPal has refused to issue me a check for the rewards that I earned or temporary lift the restriction and let me redeem the reward that way.'

Since at least XX/XX/year> my Savings and CD 's have been suspended. The reason the gave me was in an email copied below : For your protection, we've suspended your External Transfers profile. 1. There has been adverse activity reported on your profile. 2. We have received information that you may not be the owner of one of the external accounts added to your transfer profile and have taken this action as a security precaution. At no point in time has any body been able to explain the adverse activity. However a manager did acknowledge that he knew I was the owner of the external account and for how many years. This investigation should never have happened. Please help them resolve this issue.

I have a Care Credit card with synchrony bank, they had contacted me and told me that I need to pay off the balance because the promotion was ending or they would be charging me the interest for the full promotion amount. I paid off the full amount ( around XXXX ) I asked several times if that would bring my amount owed to XXXX and I would not owe anything after that and they assured me it was the full amount. The next month they said I still had a balance of over {$200.00} because there was charges from before the promotion. I payed that so I would not have late charges. Once again they assured me that was the only amount left and it was paid. It even said XXXX owed on the online portal. Now they have reported me for late payment and dropped my available balance from {$4800.00} to {$240.00} because they put an interest charge on my card that I had no idea about. The interest charge and the late fee that they reported was for {$7.00}.…

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CareCredit ( Synchrony Bank ) refuses to let consumers choose how their payments are applied between promotional balances. Unless I call every month, 100 % of my minimum payment goes to new promotions, while my expired balances accrue interest daily. Even extra payments are split. Other lenders allow customers to apply payments online. This is an unfair and deceptive practice that causes unnecessary interest charges. I request that Synchrony Bank allow consumers to direct payments to expired promotional balances automatically.

I'm filing a complaint regarding PayPals restriction of my account and refusal to release my funds. I currently have {$1000.00} in my PayPal savings account that I am unable to access due to account limitations imposed by PayPal. I have made multiple attempts to resolve this issue by contacting PayPal customer support ; however, their system relies on automated ( AI ) responses and I have been unable to speak with a live representative. The information provided to me has been repetitive and has not resolved the issue. I have already confirmed my identity and updated my security information, but PayPal is requiring me to verify a card that is no longer active. The card in question was a debit card linked to my bank account, which I had to close after being scammed. PayPal is requesting a card statement, but this is not possible because debit cards do not generate separate statementstransactions are reflected on a checking account statement.…

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I signed up for a 84 month promotion that financed a generator for " equal payments over 84 months '' and 0 % interest. As long as I pay $ XXXX, I am not to be charged interest. If I walk into Lowes and make a purchase, within 2 business days ( once the charge goes through ) I pay that exact amount, and then pay the $ XXXX every month on either the XXXX or XXXX of the month ( well in advance of my due date which is the XXXX each month, and usually the day the statement comes out ). Twice now I have been charged interest by Lowe 's ( Synchrony Credit Card ) despite doing the above. I call them and they adjust the interest charge, but I shouldn't have to be surprised like this every month when I receive my statement. This is borderline fraudulent.

On XX/XX/year> Synchrony Bank closed my account without notifying me about the closure or given me any warning. My last payment of {$200.00} went through and they are saying my account was closed because of too many payments not going through. I admit some payments didnt go through because of other payments being made the same day, but I made the payment after it didnt go through, so I gave records of me making payments even if the first time didnt go through.

I am filing a complaint against Synchrony Bank regarding a closed account that is currently being reported on my credit file. This account is reporting as Closed at credit grantors request. However, I was never provided any adverse action notice informing me of this closure, including the reason for the decision, the date of the action, or my rights under federal law. This failure to provide proper notice is a violation of the Equal Credit Opportunity Act. Additionally, this account continues to be reported on my credit file despite the lack of proper disclosure and compliance, and it negatively impacts my credit profile by signaling risk to potential creditors.

I am the account holder of a PayPal Credit account issued by Synchrony Bank. I am currently locked out of my PayPal account because the email on file was a school email that has since been deleted, and the phone number on the account is no longer active. Because of this, I can not receive the required verification codes to log in. I have contacted PayPal and PayPal Credit multiple times. PayPal continuously transfers me to Synchrony Bank, stating it is a credit issue. Synchrony Bank then states it is a PayPal login issue and transfers me back. This has created an endless loop with no resolution. I am able to verify my identity. I have my PayPal Credit statements and can provide personal identifying information such as my name, address, and other account details. However, I am being denied access to my account because I can not complete two-factor authentication tied to inaccessible contact information.…

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I am filing a complaint regarding a Synchrony Bank no interest if paid in full promotional financing account that resulted in a large and unexpected retroactive interest charge. In XX/XX/XXXX, I made a purchase of approximately {$10000.00} under a deferred interest promotion. I understood this to mean that as long as I made regular payments, interest would be avoided. I consistently made monthly payments of {$270.00} and was never delinquent. However, I later discovered that unless the entire promotional balance was paid in full by the expiration date ( XX/XX/XXXX ), all accumulated interest from the original purchase date would be added retroactively. At the time of expiration, my remaining balance was approximately {$4100.00}, and Synchrony Bank immediately added {$5500.00} in interest, increasing my balance to over {$9400.00}. I believe this structure is inherently misleading.…

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On XX/XX/year>, I received a notification from credit report monitoring app XXXX XXXX that a new hard inquiry was placed on my credit report. I had not applied for any sort of loan or credit card that would have needed my credit to be hard checked and investigating into XXXX XXXX further I found that the hard inquiry was placed for a Sams Club credit card. I had never applied nor intended to apply for a Sams Club credit card and calling the bank, Synchrony, they were unable to find any information through my Social Security or address or name as to where this application came from. In trying to remove this hard credit inquiry from my credit report synchrony requires that I submit a report through the FTC or the bureau of consumer protections in order to take action to remove it from my credit report, even after a few months of follow up, no additional information was found by either contacting any of the credit bureaus or Synchrony bank.

Complaint Against Synchrony Bank ( CareCredit ) and XXXX XXXX XXXX XXXX ( XXXX ) Companies : Synchrony Bank ( CareCredit ) XXXX XXXX XXXX XXXX ( XXXX ) What happened : In XX/XX/year>, I set up autopay on my CareCredit account intending to pay the minimum balance, but it was set to withdraw the full statement balance. As a result, Synchrony Bank attempted to withdraw {$5600.00} from my account. On the same day the withdrawal was initiated, I immediately contacted Synchrony Bank to cancel the payment. I was told they could not stop it and that I would need to contact my bank. Because it was after hours, I contacted my bank, XXXX XXXX XXXX XXXX ( XXXX ), and was informed over the phone that action would be required to stop the transaction. The payment was subsequently blocked/returned by my bank. At no point did I sign any authorization or documentation to initiate or continue blocking future payments.…

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XXXX synchrony bank - I made a {$600.00} payment. Funds have been withdrawn from my checking account but not available on credit card. I called to see why and they told me they were holding the funds until XX/XX/XXXX, due to the account being less than 6 months old. I opened the account XX/XX/year>. Not only have they taken my money and not given me access to it but this will also effect me credit. Balance in card is going to report a high limit.

I am filing this complaint against Synchrony Bank for refusing to update my legal name on my account despite my providing valid, government-issued documentation confirming my legal name change as recognized by the Social Security Administration . The documents were refused. I contacted Synchrony Bank to request a legal name update on my account. I advised the representative that I had my updated Social Security card and drivers license available -the standard documentation required for a legal name change. The representative refused to process the update and indicated they would mail something instead, effectively denying my request at the time of contact. Additionally, the representative stated that Synchrony Bank needed to know the reason for the name change - specifically whether it was related to marriage or divorce. I am not legally required to disclose the personal circumstances surrounding a legal name change.…

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I initiated a transfer of {$150000.00} on XX/XX/XXXX from my checking account at XXXX Bank to open a XXXX account with Synchrony Bank at 4.10 % 14 month offer. The transfer was completed on XXXXXXXX XXXX XXXXXXXX under Item # XXXX, and I received confirmation from Synchrony Bank that the funds were credited to the CD account ending in XXXX on XX/XX/year>. Shortly after, Synchrony Bank closed the CD account. As of today, my funds have not been returned to me. It has now been approximately 7 days since I was told the funds would be sent back. I have contacted Synchrony Bank multiple times, including speaking with several representatives and a supervisor.…

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I received an email in XXXX stating my XXXX extras XXXX ending in XXXX would be transferred to the synchrony world premier XXXX because the XXXX extras XXXX was ending. It was never transferred and says it didnt qualify. Your eBay Mastercard will be replaced with a new Synchrony XXXX XXXX XXXX. Please note, we may not send you a new card if your account is closed or otherwise not in good standing. You will be receiving your new Synchrony XXXX XXXX XXXX around XX/XX/XXXX, and once activated, you can start using your new card on XX/XX/year>. With your new Synchrony XXXX XXXX XXXX, you will earn XXXX XXXX cash back on every purchase, subject to credit approval. Your cash back is unlimited and gets credited to your statement every month, automatically. Any balance on your eBay Mastercard will be automatically transferred to your new Synchrony XXXX XXXX XXXX.

This is the result of me calling PayPal about my account showing a XXXX XXXXXXXX credit and to letting them know that my bank did not pay the XXXX additional payments and there should not be a credit amount and to show their appreciation for bring the error to their attention after the representative, as a courtesy, gave me a credit for the interest charged the previous month and instead of the credit on my account I requested a refund check for the credit balance. So for being proactive and honest the XXXX reimbursed me for the interest charge from the prior month. The next day it was all reversed by PayPal. I sent this email today after XXXX weeks of repeated calls attempting to get a resolution. Dear Customer Service Team, I am writing to formally express my dissatisfaction with the current payment processes at Synchrony Bank and PayPal, as they have proven to be neither effective nor efficient.…

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Synchrony Bank issued me an Amazon XXXX XXXX XXXX without verifying my full legal name. The physical card I received, account ending XXXX, bears the embossed name " XXXX XXXX '' first name plus generational suffix only, with no last name ( photo attached ). On a recorded call dated XX/XX/XXXX at approximately XXXX XXXX XXXX, Synchrony account manager " XXXX '' admitted at the XXXX mark of the call ( Synchrony 's own recording ) that the name on my application was not a first and last name and did not match credit-bureau records. This is Synchrony 's own admission that the bank issued credit without satisfying XXXX XXXX XXXX requirements ( 31 CFR 1020.220 ). Without any prior written notice no adverse-action notice, no change-in-terms notice Synchrony then silently restricted the account, causing transactions that had been initially accepted at point-of-sale to begin declining. I have paid every monthly statement on time and in full.…

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I made a payment in the amount of XXXX. Issuer has deducted the funds from my account but has been holding part of my payment for XXXX days. Because of this I am unable to use my card. There are also a series of electronic holds that are not real transactions that are using all of my available credit. I have a XXXX credit limit a XXXX balance, no payment due and only {$34.00} of available credit. I feel that the company is holding my payment hostage with no valid reason. I feel the company is misusing its power

I made a XXXX $ payment that I was told completed but then they put it back on my account. After speaking with multiple people I got the same answer that my payment was complete as of XX/XX/XXXX. I then get a notification that I was charged over XXXX $ for it going back onto my account when Ive already paid and completed

On XX/XX/XXXX, I opened a CareCredit account for a {$5000.00} dental procedure under a no interest for XXXX years promotion as represented by the provider. I later discovered the account included deferred interest terms that were not clearly explained, along with credit insurance charges that I did not knowingly authorize. I previously contacted the company to have these charges removed, and they were taken off, but similar charges were later added again without my consent. Despite making payments, my balance increased. After the promotional period, deferred interest was added, increasing my balance from approximately {$3300.00} to over {$9000.00}. I submitted a formal dispute by certified mail in XX/XX/XXXX, which was later confirmed as received and under review. However, during the dispute process, interest, late fees, and negative credit reporting continued. This situation has caused financial hardship.…

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Hello, Im requesting a review of the deferred interest that was recently applied to my CareCredit account. I financed a purchase of {$3800.00} in XX/XX/year> and have been consistently making payments to reduce the balance. Before the promotional expiration, I had already paid the balance down significantly and only had about {$1900.00} remaining. When the promotional period expired, {$2600.00} in deferred interest was added, increasing my balance to over {$4600.00}. I understand the terms of the promotion required the balance to be paid in full, but I was actively paying down the account and was very close to completing the balance. I also noticed that the interest charge pushed my account over its credit limit even though I did not make additional purchases. I spoke with a representative who offered a 30-day payoff option of {$1900.00}, which I truly appreciate. However, coming up with that full amount within 30 days is financially difficult for me at the moment.…

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My name is XXXX XXXX, and I am writing to address an issue concerning an account with SYNCB/AMZN that is incorrectly reported on my XXXX credit report. The account number is ending in XXXX. Despite the balance being {$0.00}, the account is listed with a derogatory status, which is inaccurate and unjustly impacting my credit scores. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. Upon reviewing my credit reports, I noticed that this account is only reported by XXXX, yet it reflects negatively on my creditworthiness. This erroneous derogatory status has severely affected my credit scores, which are XXXX on XXXX, as well as XXXX and XXXX on XXXX and XXXX respectively. Such low scores have impeded my ability to secure favorable financial terms and have caused significant stress and financial hardship. I have made several attempts to resolve this directly with XXXX by disputing the account status.…

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My name is XXXX XXXX, and I am writing to address an issue with incorrect information reported on my credit report by SYNCB/AMZN . My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I have two accounts with SYNCB/AMZN that are incorrectly marked as derogatory on my credit reports, even though both accounts have a balance of {$0.00}. The first account, ending in XXXX, is reported as derogatory on my XXXX credit report, and the second account, ending in XXXX, is reported as derogatory on my XXXX credit report. Both accounts have been fully paid off, and there is no outstanding balance, which should be reflected in a favorable status on all credit bureaus. The current derogatory status is affecting my credit scores significantly, as evidenced by my current credit scores : XXXX XXXX, XXXX XXXX, and XXXX XXXX.…

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XXXX XX/XX/year>, I filed a dispute with PayPal ( Case # XXXX ) regarding a purchase I made through XXXX using PayPal Credit in the amount of {$420.00}. The seller provided a XXXX tracking number ( XXXX ) that showed the item as delivered. However, the proof of delivery photo clearly does not show my residence. I contacted XXXX directly, and they informed me that they could not provide further details because the shipment was not addressed to me and was associated with a different address. This indicates that the tracking number provided by the seller was not linked to my order or my address, which is a known fraudulent practice. I attempted to contact the seller multiple times through XXXX and received no response. The seller was given until XX/XX/year>, to respond to the dispute. The seller responded only by re-submitting the same tracking number as proof of delivery.…

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I opened a CareCredit account through Synchrony Bank in XX/XX/XXXX to pay XXXX XXXX bills for my dog, who required XXXX XXXX XXXX within two weeks. The account was offered to me at the veterinary clinic with a promotional 0 % interest period of 12 months. The credit limit was {$6800.00}. I made monthly payments toward the balance throughout the promotional period, but was unable to pay the balance in full before the promotion expired. When the promotion ended, Synchrony retroactively assessed deferred interest on the original purchase amount calculated back to the date of the charge, not on the remaining balance. The retroactive interest assessment, combined with subsequent interest charges at the post-promotional APR of 32.99 %, has pushed my account balance to {$9000.00}, which is {$2100.00} over my {$6800.00} credit limit. The over-limit status has triggered additional fees and exposed me to a Penalty APR of 39.99 %.…

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On or about XX/XX/2026, Synchrony Bank reduced my credit limit from over {$1500.00} to {$350.00} without prior notice. At the time of this reduction, my balance was approximately {$340.00}. This action immediately caused my credit utilization on this account to increase to nearly 100 %, despite no increase in my balance or change in my payment behavior. I have maintained my account in good standing and have not missed payments. The change was simultaneously reported to the credit reporting agencies, including XXXX, XXXX, and XXXX, resulting in a significant drop in my credit scores. This timing has created a serious financial hardship, as I am currently in the underwriting phase of a mortgage loan. The sudden decrease and immediate reporting did not provide any opportunity for me to reduce my balance prior to the impact being reflected on my credit report.…

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I received a bill in the mail from XXXX on XX/XX/XXXX for a charge at XXXX just XXXX {$1000.00} dollars on XX/XX/XXXX. I immediately contacted the bank & alerted them this was fraud. They were able to cancel the account and put an investigation into place. I then contacted the credit bureaus and put a freeze on my credit. I noticed my score was dropping exponentially and it hasnt improved due to this situation. I would like to try to resolve it and see my score jump back to where it was, as it was very good.

I am disputing an inaccurate XXXX late delinquency reported by Synchrony Bank XXXX XXXX XXXX account XXXX in XXXX. On XX/XX/year>, I proactively made a full payment of {$890.00} to clear the entire balance. At the time of payment, I was not even aware that a delinquency report was being prepared, which proves my intent as a responsible customer to fulfill my obligations regardless of credit reporting pressure. To further demonstrate my financial responsibility, I also paid off my other XXXX account ( XXXX XXXX # XXXX ) in full on the same day. The bank acknowledged the situation by voluntarily issuing a " Refund of Late Fees '' on XX/XX/year>. Despite waiving the penalty and accepting the payment, the bank has reported a XXXX late mark. I attempted to resolve this with XXXX supervisors on XX/XX/XXXX, but they refused to provide a deletion letter despite the clear inconsistency between the fee refund and the negative reporting.

I opened an account with Synchrony Bank, XXXX, CT. I opened a savings and multiple CD 's. For no apparent reason they restricted my access to my account and told me it was under review. An email from them stated the were reviewing my and suspending my external bank. I made multiple calls and was told the same thing every time. I was told to call back in 2-3 business days and when I did I was told told call back a decision has not been made. Just today, I was told that the suspension could last 30-60 days. I have finally reached a manager and I am awaiting the outcome of my phone call.