Consumer complaint received 2017-07-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony/Amazon decided to close my account from what appears to be a Retaliatory attempt against me for complaining about the various issues that continue to occur on their behalf to the CFPB.
I contacted them and the individual I spoke with said that it was due to 2 Returned Checks within the months of   XXXX   and  XXXX . I explained to them that even if there were returned checks, a separate payment was made the exact day that the checks were returned. This was due to an error on my end as I was waiting for a deposit.
I have a hard time believing their claim that they close accounts after 2 Returned Checks where the situation is that 2 additional Payments were sent to rectify the returned checks. That sounds like a bunch of nonsense.
In addition to closing my account, I have had a horrible experience with this company. There are very strange people who represent that company and make claims that appear to contradict what others at that company state. It all seems out of the ordinary.
I 'm attaching a few testimonials ( which are all negative I might add ) that I found on an Amazon.com forum publicly. This will give you a clue as to what goes on with this bank. I 'm certainly not the first one to have issues with this company, and I wo n't be the last. I hope it makes its way up to the Chief Executive Officer.
1 I have been using Amazon Card for at least the past 5 years, all billing do not carry interest charge if you pay it off before the billing cycle. Now, Amazon switched to Synchrony Bank, they charge interest the moment you put in the order, you will see interest at current billing before you have a chance to pay it off ... .. that  XXXX ..
PS.. I called Synchrony Bank customer service to discuss this issue, that lady hung up on me right in the middle of conversation 2 I just checked my last statement and I 'm so mad. I have been using Amazon Card for the past 2 years, all billing do not carry interest charge too, if you pay it off before the billing cycle - it was awesome. But now using this card for ordinary purchases on Amazon is pointless. Recently I made purchases in the amount of {$110.00} and they charged me {$5.00} interest charge!!! It 's really insane.
3 Do not use Amazon Card anymore, just pay it off if you can, you can leave the account open to maintain higher credit score ....
Use your regular bank card ...
Amazon.com, you have deleted my initial post, I am the victim of your business partner Synchrony Bank, do you agree it is OK to cheat your Amazon customers out of interest charges?
Message to all fellow Amazon customers, DO NOT APPLY OR USE YOUR AMAZON CHARGE CARD!
You will be charged interest from the time you put in your order for regular purchase, does not apply to promotional items.
4 It is a horrible credit card for sure.
5 I loved my " no interest for 6 months '' when I bought my Canon lens with it ( only reason I applied was for the no interest ). First statement? An {$11.00} " Debt Forgiveness '' charge ... ..Sorry Amazon. With other retail sellers online now, I 'll be going elsewhere with my business ....
6 I mailed a balance transfer check from my bank to pay off the balance of my Amazon store card. Synchrony bank denied receiving the checks. Apparently they want to keep charging me interst. What can I do?
7 Synchrony Bank is a complete joke. VERY unprofessional, condescending and rude. Not the image I am sure you want to be upholding.
Amazon, as a LONG standing customer and ( Unfortunately ) a long time Prime Member, you need to seriously consider getting RID of this horrible company, I am so mad I dont know if I will ever purchase from you again and I will be telling everyone I know on Facebook/Twitter/Google/YouTube ... Cant believe you treat your best customers so horribly. Completely disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation