Review and analysis of over 18 complaints against Synchrony Financial
Synchrony Financial consumers have reported over 18 official complaints related to Advertising and marketing. Out of the 18 consumer complaints against Synchrony Financial, 6% were disputed by the consumer (i.e. the consumer was not happy with how Synchrony Financial responded to their complaint) and 100% were processed in a timely manner. 50% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 6% resulted in non-monetary compensation.
Submit a complaint with the Consumer Financial Protection Bureau today
File ComplaintStop harassing phone calls, know your rights and what you can do to stop them
Stop Calls
Synchrony Financial Credit card advertising and marketing March 31, 2017 - Hi, I signed up for this account under a promotional offer where if I spent $140.00 on electronics purchases I would receive a $75.00 Gift Card to Walmart. I have called them over a dozen times and they have each time verify that I should have received it already and have told me I would receive it soon, just be patient. But it 's been over 4 months now and I still have not received my sign up bonus of the $75.00 Gift Card. My first order and the qualifying order number : -... |
Synchrony Financial Credit card advertising and marketing February 16, 2017 - Sams Club MasterCard advertises - % cash back on all purchases, w/ - % on fuel, and - % on dining and travel. For my statement ending -/-/17 I had purchases totaling $4000.00 and yet they awarded me a meager $27.00 in rewards. They 're not following through with their advertised promises. Not only that, I 've been a plus member for years & that 's supposed to get me even more in cash rewards.... |
Synchrony Financial Credit card advertising and marketing February 9, 2017 - On -/-/2016 I purchased a laptop computer as a birthday present for my grandson from Amazon.com. There was a note on the page that 12 months interest free financing was available on the page with the laptop. I clicked the link and in very large type there was a promotion for 12 months interest free financing on an Amazon branded credit card. I applied for the card and made the purchase because of this offer. When my first bill arrived there was an interest charge and an annual percentage rate of 26.49 %. I called the bank and was referred back to Amazon. After speaking with numerous people a... |
Synchrony Financial Credit card advertising and marketing February 2, 2017 - I was at the dentist office having work done and they noticed that I needed - and other things. So, they provided me with a quote and offered care credit. Mind you, I was on - provided by the dentist at the time. So, we just filled out the application. The only way the credit was described to me was that there would be no interest for an allotted time and after that, there would be applied interest. There was no explanation of a " deferred '' interest. I pay my account through the phone app and have been paying it ever since. I happened to log on a few nights ago and thats when I found o... |
Synchrony Financial Credit card advertising and marketing January 16, 2017 - I signed up for a JcPenney credit card because they claimed to give you 25 % off your first purchase. I received my bill and did not receive 25 % off so i called and spoke to a supervisor, she processed a ticket, and said i will find out the status in a couple of days. I still have not received a discount for my first purchase. This was false and deceptive advertising.... |
Synchrony Financial Credit card advertising and marketing December 29, 2016 - - has an ad that states you will receive - % back on purchases the day you apply for your card if you are approved. I was approved for $750.00 temp credit and $2500.00 regular credit. It automatically went to my - Pay and I went to the store and bought my items. The card was declined. When I called - they said it had to be used online. No where in the ads does it state that if you opening it online that you have to use it on the website to get the credit. They said if you apply using your computer you can only use it online. This is very deceptive and just wanted to trick a per... |
Synchrony Financial Credit card advertising and marketing December 25, 2016 - on -/-/2016 I went into Walmart to purchase -/-/- decorations. During checkout the clerk informed me that I could get - % off my purchase if I applied for a Walmart credit card. I agreed. I put my personal information in the terminal and he took my drivers license and input my information into the check out. I was approved and was then told I would receive a - % discount on my purchase, instead of $50.00 off. Once the purchase was completed $150.00, I did not see the - % discount and was told it would show up on my statement. I received my credit card and my name was posted... |
Synchrony Financial Credit card advertising and marketing December 22, 2016 - I made a purchase in the old navy store in -. Prior to my purchase I was told that I would receive a certain percentage off. I believe 40 % or 50 % for signing up with their credit card. I made that purchase and saw that I got the percentage off. After I checked my credit report it showed that I had balance on an old navy card of $80.00. The remainder of my purchases that I was told I had saved.the representatives did n't tell me that the remainding balanced would be placed on the card. And now I 'm being charged for money that I should 've saved. I 'm a victim of false advertising and mi... |
Synchrony Financial Credit card advertising and marketing December 15, 2016 - I received an email with an advertisement. They promised a reward for using the card for transactions totalling at least $150.00. But I did not get the reward, despite spending more than $250.00. I called up the contact center. After being on the phone for close to an hour, I was told that they did not have a record of any such promotion. I feel it is a case of false advertising.... |
Synchrony Financial Credit card advertising and marketing November 26, 2016 - Synchrony Bank Financial keeps emailing me constantly ; telling me to apply for Wal-Mart 's card. They know I am on a fixed income for - They keep sending me these applications to apply and repeatedly deny me. They only check my - score and have run it this year about twenty times inquiries. This really is harassment because they know full well they have no intention of approving me. You can tell what kind of company they are by reading the reviews I included.... |
Synchrony Financial Credit card advertising and marketing October 6, 2016 - We got an estimate for drapes from JCPenney in - - - area. We were told by the sales rep that if we opened and put the purchase on a JCPenney credit card that the purchase would be Same As Cash for 1 year. However when billed the account is accruing interest. I called JC Penney and they told me that the sales rep has to call them and code the - option. I emailed the rep and she called back and said she would contact JCPenney but Synchrony bank is still charging a finance charge.... |
Synchrony Financial Credit card advertising and marketing August 20, 2016 - This complaint has multiple parts : 1. Similar to CFPB Complaint ID-, Synchrony Bank recently " upgraded '' my account from PayPal Smart Connect to a PayPal Extras Mastercard. My old account with a long history has been marked as closed on my credit report and a new one has been opened which has hurt my credit score. 2. I made a purchase on - ( -/-/2016 ) where promotional financing was offered if I used PayPal Credit to pay for my purchase. The promotion stated that I would receive 6 months no interest financing with an APR of 19.99 % after the promotional period ( it now displa... |
Synchrony Financial Credit card advertising and marketing July 17, 2016 - I applied for a Walmart Credit Card through Synchrony Bank on -/-/16. I was approved for $800.00 and was told my card woul arrive in 7 - 10 days and that if I wanted to make a purchase that I could do so as I was being given a temporary card and that that card would be valid for 7 days. I had no access to the numbers, however I assumed ( wrongly ) that the information would transfer to my Walmart account and I could make a purchase. Also I was being offered a 10 % credit for a purchase up to $250.00 if made that day. The information never showed up. I tried everything but all the nu... |
Synchrony Financial Credit card advertising and marketing June 28, 2016 - On - -, 2015 we decided to purchase new appliances from Lowe 's in - ( - # - ). The total amounted to $5100.00. I offered to pay for these items with my existing - - to earn miles on - -, this is what I usually do for any large expenditure. However, I was advised to apply for a Lowe 's credit card to receive an additional 5 % discount off our purchase. That additional discount would amount to approximately $250.00. I was approved for the Lowe 's credit card at the Customer Service counter then proceeded in finalizing the transaction. Since the transaction was a b... |
Synchrony Financial Credit card advertising and marketing June 23, 2016 - Walmart was advertising a $25.00 credit on a new card account if the customer bought so much in merchandise. The promotion read something like, " Open an account today and get a $25.00 credit when you purchase $50.00 or more. ". As it turns out the customer only gets the $25.00 if he makes the purchase that same day. If I had known that I would have waited until I was ready to buy. After - statements and about $1000.00 spent, I contact Walmart to ask where my credit is and I get the " gotcha '' news.... |
Synchrony Financial Credit card advertising and marketing May 19, 2016 - I applied for a Walmart credit card under the impression that I was to receive a $25.00 credit on my first statement. Which I did n't. I returned a item and paid the difference at the store so I could inquire about my issue. I was told to call Walmart credit card directly and was instructed to pay my balance and the credit will show on my next statement. Which id did n't. I called again and was told that my $25.00 would not show till my 3rd billing cycle. That was not told to me and I feel that I was mislead my Walmart about the $25.00 credit. I alo asked the Walmart associate over the p... |
Synchrony Financial Credit card advertising and marketing May 3, 2016 - I signed up for CareCredit card to pay for dental expenses with no interest if paid on time. I was on auto pay so as not to be late or miss a payment. I was charged more then $74.00 in interest. Care Credit said the 6 month period was just a promotion. Why would I sign up for a credit card that charges 26.99 % interest, I already have a regular credit card with 14 % I would have used that? Dental offices, etc. promote this card as a way to pay for medical expenses not covered by insurance, easing the financial burden by having free interest for 6 months. It was presented to me as a way to pa... |
Synchrony Financial Credit card advertising and marketing March 17, 2016 - Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % interest. ... |