Synchrony Financial Credit Card Complaint

Closing/Cancelling account

Synchrony Financial Credit card department,

Closing/Cancelling account Delaware

I submitted payment, via my automatic payments to Synchrony Bank on - -, 2016. On - -, 2016, I received confirmation that the payment had been posted to my account. On - -, 2016 I attempted to make a purchase on amazon.com and the credit card was declined. On - -, 2016 I logged into my account and it showed the account had been closed. I contacted Synchrony via phone and they stated because my payment was returned, they had closed my account. I stated my automatic payments were setup to be withdrawn for a checking account which I recently closed however, they said nothing could be done to the account because the decision had been made to close it. When I inquired about why this was done without notification or a chance to pay the outstanding balance I was told they had sent me an email, however, this was not the case. I received no phone call, no US Postal mail and no electronic mail. No contact was made by Synchrony to alert me of a 30 day late notice nor was I informed of a returned payment. Once I learned of the issue with the late payment, I promptly paid the balance in full.

Synchrony Financial customer in Delaware
Dec 21, 2016

* Source: CFPB Complaint Database

Synchrony Financial response to complaint:
Closed with non-monetary relief

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