Review and analysis of over 45 complaints against Synchrony Financial
Synchrony Financial consumers have reported over 45 official complaints related to Billing statement. Out of the 45 consumer complaints against Synchrony Financial, 11% 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. 31% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 7% 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 billing statement April 3, 2017 - On - -/-/2017, I opened a new credit account through American Eagle Outfitter with Synchromy Bank - Then on - -, 6 days later, i received an email saying my statement period had ended and I owed $25.00. It said I could view or pay balance by clicking - of - links. I click the links and could not view or pay as I hadnt received the card yet to register my online account with them. So my due date with them is by - -. I have no way to log in or pay this statement balance/. I had this account 6 days before the statement was printed and with the due date of - -, my... |
Synchrony Financial Credit card billing statement March 8, 2017 - this is the fourth time i complain about this company last time a lady called - - responded and made false claims and told us in her letter to call if i needed anything to call i left here Several MSG never responded i called here today - - 2017 and told here i will send here all prof of my hardship and my hospitalization she said she alredy helped me once and there is nothing she can can do for me i... |
Synchrony Financial Credit card billing statement February 18, 2017 - Has been next to impossible to view one 's current billing statement on line. Now, can not get it at all. Even before, had to roam all over walmart.com to get it. This prevents one from being able to ascertain any fraudulent activity at the earliest point. At this juncture, Walmart and Synchrony are about to " cut off their nose to spite their face '', because at least this account, I wo n't use and they can lose opportunity income.... |
Synchrony Financial Credit card billing statement February 16, 2017 - I opened an account with - for a Walmart credit card and made one large purchase in - 2015. I called around the end of -/ beginning of - to say that I do n't believe that I have received a bill. The person took my checking account info on the phone and ran the account and I set up auto pay. I thereafter found out that the checking account number that was entered was wrong and attempted to correct. I have made payments every month and have attached payment history.... |
Synchrony Financial Credit card billing statement February 13, 2017 - Synchrony Bank services my Amazon.com Prime Store Card. The primary feature of this credit card is you get a 5 % statement credit when you use the card. I have not gotten the credit, although the amount of it shows up on the statement. I have complained 2 times to Synchrony Bank and they have n't resolved this issue. The statement I receive clearly sets forth and promotes the 5 % cash back benefit, but it is not actually implemented. I have alerted Amazon about the bad service from its co-branded bank credit card but they send me back to the bank. This is fraud if intentional. I am certain mos... |
Synchrony Financial Credit card billing statement January 30, 2017 - I took out a credit card through synchrony credit company for my - back in 2012. I 've been making my payments around the - of every month through my checking account bill pay program. I never paid much attention until I recently noticed my balance did n't seem to be shrinking. I have never received any statements from the company, so I logged in to their website for the first time two months or so ago and found that on a no interest charge I was being charged interest and all kinds of late fees even when it was paid on the day it was due. I called Sychrony and they refunded a year or so... |
Synchrony Financial Credit card billing statement January 18, 2017 - I have - credit accounts with Synchrony Financial : Amazon Store Card and Banana Republic - Visa. The address listed on both accounts has inexplicably changed to incorrect addresses and I am unable to correct/update via the website ( s ) or customer service. I was told by customer service that it had been corrected but no change ever appeared. The address listed for the Amazon Store Card is not my address, has never been my address and was never provided by me. The address listed for the Banana Republic - Visa is undeliverable as it is only an apartment number with no street address a... |
Synchrony Financial Credit card billing statement January 14, 2017 - I have a Sams Club Credit Card issued by Syncrony Bank. The account ends in -. Today I logged onto the Synchrony web-site to check the statement balance on the card, I was unable to determine that information, though the current balance in prominently displayed. Unable to find the information, I call Synchrony Bank and spoke to a customer service agent. The agent, very polite, informed me that I could not see that information on the web-site, nor could she provide it to me by telephone, because I had not enrolled in e-statements. She did offer to mail me new statements that would arrive in ... |
Synchrony Financial Credit card billing statement January 4, 2017 - I called Synchrony Bank as my Chevron card had been declined. I was informed that since I had filed bankruptcy, the account had been closed - no disputing that. The changes and payments on the account were all post-bankruptcy, and I asked if I would receive a statement for my final payment. I was told that since the account was closed, I would not receive a statement. I asked what the balance was and was given the current amount. I was told I could not make payment online or over the phone but had to mail the payment. I am not comfortable making a payment on a closed account where no balance ... |
Synchrony Financial Credit card billing statement January 1, 2017 - On - -, - I requested copies of my monthly statements for the period of -, - and - - since I have n't received my statements. I have logged into the online service where both my old / closed Walmart account appeared and my new Walmart MasterCard appeared. But for whatever reason Synchrony bank removed my Walmart MasterCard from being viewed denying me access to view charges, interest and any transaction posted to the account. In other words denying the same right given to other regular customers who receive timely access to their monthly statements. I received a response o... |
Synchrony Financial Credit card billing statement December 28, 2016 - Every month I receive a statement from Synchrony Bank showing a balance due in the amount of - on a - - account. I 've contacted the bank and was told there is no balance due and there is no explanation given as to why I am receiving these monthly emails. I am concerned that my credit may be negatively effected by these erroneous statement which the Bank denies is occurring. I would like the Bank to correct this and I would like the emails to stop. The bank has sent me a letter at my request indicating there is a zero balance on my credit care account but I am still concerned the ban... |
Synchrony Financial Credit card billing statement December 20, 2016 - I made the mistake of opening a Lowes credit card and it has been a nightmare ever since. They charged me late fees on items that were NEVER PICKED UP and Lowes was notified that I was canceling the order and now they are reporting that my account is - days late? I used this card ONCE and it will NOT GO AWAY. They started me out with a $500.00 limit and because I had not noticed that the inept people at LOWES did not process a return when they should have they reduced my limit to $100.00 further damaging my credit. I do not owe late fees for a balance resulting from RETURNED items.... |
Synchrony Financial Credit card billing statement December 8, 2016 - I have a credit card called Care credit. It is a credit card that has no interest if you pay off your promotional balance within a said amount of time. I would only assume that all my payments would go to pay off the oldest balance. However I found this not to be a true statement when I was charged an absorbance amount for interest. I called to see what they balance had not been paid down and or off and they stated that I must call in each month and allocate where I want my payments to be placed. Ive never heard of such a practice. I called and demanded that they credit the payments I 've made... |
Synchrony Financial Credit card billing statement December 1, 2016 - - / Synchrony bank does not disclose the amount due each month to avoid interest and fees. - company customer service representatives confirmed that is a true. I hope we all misunderstand. It does n't seem this could be legal. For example, when I look at my monthly statement - there is no amount due that reflects the actual amount due now versus the amount deferred. This issue arises as a result of mixing deferred interest promotion transactions ( that offer 0 % interest for - to - months ) with regular transactions that must be paid monthly on revolving credit. Yesterday ( ... |
Synchrony Financial Credit card billing statement November 20, 2016 - I was issued a SYNCB/SAMS CLUB DUAL CARD # - on -/-/-. On that day I charged $140.00 on that card. I never received a bill from SYNC/SAMS. The first letter I received with my balance and interest and fees was from -. My bill at that time ( early -/-/- ) was $170.00. I immediately visited the customer service department at - 's in -, Ohio to complain about the process stated above and the new balance. Although the agent from Sam 's made several attempts to permit me to pay my bill without fees, she was unsuccessful. She informed me that the reason I never received a bi... |
Synchrony Financial Credit card billing statement November 12, 2016 - On -/-/2016 I received resolution from CFPB against JC Penney regarding my statements not arriving at my home address. However on -/-/2016, when I received the documents from JC Penney - -, Sr. Specialist Corporate Consumer Relations office I received old statements. On -/-/2016 I phoned - and left her a message confirming my mailing address yet again, having done this already numerous times, and requesting that my statement be sent from then on to the address provided, of which she mailed the documents to as well, now I was charged a late fee for not receiving the statement again ... |
Synchrony Financial Credit card billing statement October 25, 2016 - Sam 's Club/Synchrony Bank is manipulating their statement dates and late fee dates to their benefit. For example : My statement dates for - were - ; however the next billing statement is n't till -. This leaves a 7 day black hole. My minimum payment is -. I pay - every two weeks on auto pay. The latest payment fell after the late date but before the end of the statement date. -. I was charged a late fee of -. You would think that the payment would at least be applied to the next statement, but it fell within the 7 day black hole. Their late fee actually falls in the middl... |
Synchrony Financial Credit card billing statement October 3, 2016 - On - stmt. there was a late fee of -. I made my minimum pmt and would look into this later. - statement there was another late fee of -. I called to dispute them and a supervisor agreed to issue me a credit. however the credit would go to the balance on the account not the minimum payment section where these charges are put. When i questioned him about this he said this is the way their computers are set up so if i did not pay the minimum amount this would continue to happen. I now owe them - in later fees. But i continue to pay them my regular payment.... |
Synchrony Financial Credit card billing statement September 19, 2016 - I am bringing to your attention an issue with the Synchrony Bank/Amazon.Com credit card. I was running - promotional balances, - due -/-/-, the other not due until -/-/-. In order to ensure that I paid off the promotional balances entirely by the due date and was not stuck with paying accrued interest charges at an astounding 26.24 %, I allocated my monthly payments on an automated payment plan assuming that my entire payment would go toward the promotional balance with the nearest expiration date. However, instead of allocating my full payment each month toward the promotional... |
Synchrony Financial Credit card billing statement August 22, 2016 - I have an - - - Synchrony credit card. I have been paying it every month around the same time. Apparently, sometimes the payment would end up in the same billing cycle and synchrony would send me a late fee for paying a few days early. Telling me that I was late when I was not. Making me call to have address the issue and having the fee removed. This has happened multiple times and when I called each rep provides different dates to apply my payment so this would not happen. Last month I called and this issue was told to pay at the end of the month. So that was what I prepared my lself... |
Synchrony Financial Credit card billing statement August 22, 2016 - Care Credit charges interest 25 days from the date of purchase, instead of from the end of the billing cycle like most credit cards. With all of my other credit cards, there is no interest as long as the balance is paid in full by the billing date. So if my purchase is not a promotional offer I am expected to pay the balance within 25 days of the purchase date, regardless of whether or not I have got my billing statement yet. How am I supposed to know what charges need paid in order to not have interest if I have n't even been mailed my statement yet? These are new charges, which were not on m... |
Synchrony Financial Credit card billing statement July 23, 2016 - I have a complaint about synchrony bank who took over the walmart and sams club credit cards accts. Have not used either card in 3 months or more yet my statement balance still reads over the card limit when i 've been paying at least a small amount over what the payment is. Its been showing that more then - going to interest and not showing a drop under the credit limit amount. My own bank - - just recently had to refund back to my card with them over payment money. I think was due to an audit. Doesnt the gov. do audits on these banks to check for discrepancys in peoples accts. I w... |
Synchrony Financial Credit card billing statement July 14, 2016 - -/-/2016 ON - WALMART CREDIT CARD SERVICES OVERCHARGED MY WALMART CREDIT CARD $1000.00 FOR A - CAR PAYMENT I HAD PREVIOUSLY MADE ON -/-/2016 WHICH WAS ALREADY DEDUCTED & REFLECTED ON MY - & - 2016 WALMART CREDIT CARD STATEMENT. I WANT WALMART TO CREDIT MY CREDIT CARD BACK THE $1000.00. MY BALANCE SHOULD BE AS OF TODAY $1300.00 NOT $2300.00. I AM ALSO REPORTING THE WALMART FRAUD OVERCHARGE TO THE ILLINOIS DISTRICT ATTORNEY. I NEED ALL INTEREST LATE FEES AND AN ADDITIONAL - CREDITED TO MY ACCOUNT FOR HAVING TO SPEND UP TO 3 HOURS ON THE PHONE WITH WALMART REP 'S -, ... |
Synchrony Financial Credit card billing statement June 29, 2016 - Synchrony Bank reported my Amazon.com retail card as 30-days delinquent to - in - 2013, even though the company has previously admitted fault via telephone that they may have made a mistake in sending the statement, which led to my missed payment. Synchrony has removed the delinquent mark on - 's file, they should remove it on - 's file as well.... |
Synchrony Financial Credit card billing statement June 28, 2016 - To buy a mattress, I opened an account with Synchrony Bank with an initial purchase of $940.00 with the promise that it was a 0 % interest with 12 equal payments. That would be $ -/mo. However, when I received the statement, it showed the minimum monthly payment as $34.00. If you read the fine print on the back, it appears that if I pay only $ -/mo that I will be charged 29.99 % interest. Nowhere is shown the $79.00 payment which would be required to avoid the exorbitant interest. This is very misleading and is, I believe, an unfair trade practice.... |
Synchrony Financial Credit card billing statement June 25, 2016 - Synchrony Bank Amazon Prime Credit Card is outside the norm when it comes to processing payments by check. Every other credit company takes at least 24 hours to process a check payment - including many Synchrony accounts. I schedule my payments 24 hours before my pay is direct deposited to ensure that the money is withdrawn on the day I am paid. Synchrony Bank Amazon Credit Card processes the transfer the same day so that the payment processes 24 hours earlier than normal. This month ( - 2016 ), I scheduled my payment of $130.00 on the Amazon Prime Store Card for - - so the funds wo... |
Synchrony Financial Credit card billing statement May 31, 2016 - I have an account with old navy & I recently moved I logged into my online account & updated my address a week ago I logged into my account today to check to see if my address was updated & when clicking on manage my account then clicking under address it tells me to call customer service this is not the first time this has happen they also put holds on my card or block my purchase 's where I had to send in information to verify myself due to me updating my address & number this is very inconvenient for me because it happen 's frequently I also been with them for a while & their denying me a l... |
Synchrony Financial Credit card billing statement May 13, 2016 - I have a PayPal MasterCard account. I have been paying off a large balance the last couple of years due to a move. I was making extra payments and they were not being applied to the next months statement. They would still send me a bill. I called them once about it and said they ca n't do that and they need to return my extra payments. They sent me a check for around $2300.00. They never reversed interest on the years I have been doing that. They just refunded my last few extra payments. It just happen again. I sent a $500.00 payment for -/-/- and and extra $2500.00 that one would ... |
Synchrony Financial Credit card billing statement May 13, 2016 - I was given a Lowes credit card at the store on -/-/2016 through Synchrony Bank and made a purchase the same day for $2100.00. The billing cycle was closed 4 days later and the due date listed was -/-/2016. I called the bank and they refused to change the due date. Is it legal to have the due date less than 30 days from the purchase date? Normally the billing cycle would be 30 days, not 4 days. ... |
Synchrony Financial Credit card billing statement April 25, 2016 - I am getting charges for walmart credit that I payed off last year. I - - have not made or authorized any charges to that account since and it is now affecting my credit badly. ... |
Synchrony Financial Credit card billing statement March 30, 2016 - Synchrony Bank who have in recent times come to hold at least - of my store credit card accounts habitually ( - times a year for each account ) fail to send monthly statements for my accounts. They claim to have sent them, but I have trouble believing that since none of my others accounts seem to have this problem. When they do send statements they arrive with due dates that are frequently less than a week away and then they claim that the payment made through my bank 's electronic banking system was received late even though the payment is taken from my bank account. Then they charge pa... |
Synchrony Financial Credit card billing statement March 28, 2016 - My son is offering to help me with my credit card bills. He 'd be able to give me about $3800.00 and I want to apply it to my care credit with Synchrony bank. However I first wanted to know if this could help pay it down to zero. He suggest I ask for help from Synchrony. ... |
Synchrony Financial Credit card billing statement March 21, 2016 - My first statement from the company was sent directly to my husbands ex wife at her address instead of mine which was provided on the application for credit. I was told by the company that this was a USPS problem but upon receiving the statement from my husbands ex, it was sent directly to her with no yellow sticker on the envelope & the USPS management not having anything on record. ... |
Synchrony Financial Credit card billing statement March 15, 2016 - Sams club credit owed me a credit of $27.00. I spoke to them around -/-/- and they assured me they would credit my account but explained it would take 1-2 billing cycles for the credit to appear. I checked my statements for -/-/-, -/-/- and now -/-/- and still no credit. I called Sams Club Credit today ( -/-/- ) and they researched the situation and determined that the request for credit was submitted on -/-/- but somehow never credited to my account. Given the error, I asked for an immediate credit to my account and initially, they refused indicating th... |
Synchrony Financial Credit card billing statement March 14, 2016 - SUMMARY : I signed up for an Amazon card late last year which reflects charges I do n't recall making. I received - email letting me know I was past due in - and - paper invoices ( - and - in - of - ), but neither of the notices listed the line items for the charges. I now have a collections agency after me and despite my multiple attempts to find out what the charges are for, I can not get an answer. BACKGROUND : In - of -, I received my first email from Amazon.com telling me my card is past due. I attempted to log into my account to understand what those charges a... |
Synchrony Financial Credit card billing statement March 6, 2016 - -/-/- I made an on-line payment through samsclub.com/credit in the amount of $270.00 which was the balance in full shown for my Master Card account held by Synchrony Bank. On -/-/- I was contacted at work by a customer service rep. who informed me that they were calling because my - payment had not been received. The end result of the call was that I was to provide proof from my bank that the money had indeed been withdrawn from my account, which I did that afternoon via facsimile transmission, also providing my cell phone number for further communications. Over the next... |
Synchrony Financial Credit card billing statement February 24, 2016 - I bought over $1000.00 from Rooms to Go in - - from the store near - in -, T-. I called last month in - - to make a payment as I did not receive an invoice for my purchase. It appears Syncrony Bank is the credit card company I received financing from when making the purchase. I called Syncrony Bank to get a copy of my statemen, pay my bill and set up auto pay. They found my account with my social security. I was able to make my first payment but they would not provide me with my account number or help me set up an auto pay so my bills would not be late. Per the representati... |
Synchrony Financial Credit card billing statement February 23, 2016 - I opened an account with Amazon.com in - - for an Amazon Store Card through Synchrony Bank. I made a payment on - -, - for $100.00, however, it was before the bank had produced my first monthly statement on - -. This satisfied my - payment. The billing cycle is 28 days long, meaning the billing cycle should have gone from - - - - -, -. Unfortunately, when I logged into my online account Today, - -, - to make my monthly payment, I was shocked to see in large red letters " 3 Days Late '' at the top of the page. I never received a monthly statemen... |
Synchrony Financial Credit card billing statement February 10, 2016 - I maintain a credit card account and pay each month in full, no balance carried. On - -, 2016 an email message was received stating that there was a balance of $780.00 and this amount was being deducted from my checking account on the day prior to the email notification just received. After lengthy telephone wait and conversation, a Synchrony supervisor said there were thousands of incorrect/erroneous billing notices emailed to their customers - but that they were taking no action to alert clients, or to send memos stating that the bills were in NOT order and that they could be safely... |
Synchrony Financial Credit card billing statement January 28, 2016 - HH GREGG credit account. Charged us high interest & added it to our account without giving us any notice. I asked in HH Gregg local store in - -, if they could tell us a " balance '' or give us a payment statement. HH Gregg told me, they have no access to this information. I went on " my online '' account for HH Gregg. To my surprise, there is " no available '' information, regarding : statements, balnce inquiry, current amount due or payment history. No record of " interest due '', current interest rates charged. I went to store again & asked what is my balance, after paying a store ... |
Synchrony Financial Credit card billing statement January 23, 2016 - Today - Friday - -, - Dear CFPB, I have recently opened a Toys/Baby 's R Us Account in - - for -. This month I should have receieced a statemten from Synchrony Bank for payment on this Toys /Baby 's R Us Account. Today I recieved an Email from Sychrony Bank for the purchase of the $250.00 made on -/-/- at T/B R US. The statement however was not my initial syatement requestin payment however, it is a states : " Payment not received '' " Dear - -, '' " RE : Your R Us - ( - ) Account ending in - '' " This is a notification that your R Us - ( - ... |
Synchrony Financial Credit card billing statement January 18, 2016 - I am filing a complaint against Care Credit and the fraudulent way they are applying my payment every month. I have - promotional purchases with them, - for dental work and - for the veterinarian I used. I have - fixed account, for 48 months with payments of $54.00 every month. The other - are deferred accounts and there is no interest if the accounts are paid off by -/-/-, the payments for those every month have been $35.00 each, every month. Once a payment of $120.00 is made every month I was instructed by Care Credit to call and tell them exactly what amount i... |
Synchrony Financial Credit card billing statement January 15, 2016 - Synchrony Bank took over - of my credit cards. Those accounts are Sam 's Club Credit, Lowe 's Credit, BP - Credit, and TJ- Credit. Their actions on all accounts are similar. They refuse to send my copy of the bill electronically to my bank as - for example did previously. They will only send it to me, however, they are not very good at doing that. Consistently, they fail to send me a monthly bill and then charge a late charge and interest. They claim to have sent the bill but provide no documentation trying instead to send me on a wild goose - looking in the spam trap. They refuse ... |
Synchrony Financial Credit card billing statement January 12, 2016 - In - 2015 I paid this card off leaving a zero balance. In -/-/- I placed a small order on easy pay of 3 payments of $19.00 for which I never received statements and forgot about in the holiday rush. On -/-/- I received an email from myfico that my credit score was dinged and they were reporting me 30 days delinquent. I immediately contacted them to advise I was not receiving statements and paid the balance in full requesting that all fees, late payment credit reports, my credit limit be restored back to what it had been. To date they have only reversed - late fee of $35.00... |
Synchrony Financial Credit card billing statement January 11, 2016 - JC PENNEY has completely failed to established the information you are reporting for the following account is accurate : Instead, JC PENNEY have provided is merely a computer screen print out that establishes nothing. I suggest JC PENNEY familiarize themselves with the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. -/-/- et. seq. ) before proceeding any further. I suggest JC PENNEY review the applicable regulations which can be found at www.ftc.gov, the website for the Federal Trade Commission ( FTC ), the oversight and regulating agency for your industry. There JC PENNEY will find tha... |