Consumer complaint received 2019-05-19
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I went to the QVC website on XX/XX/XXXX to look at make up. There was a banner ad on the website stating that if you open a credit card and make a purchase within the week time span you would get {$20.00} credited to you. 
I clicked the banner ad and applied. I was approved for the card and made a purchase right away. 
I never seen the credit in my bank statement. I called Synchrony Bank which issues the card. They told me the credit is handled through QVC. 
I contacted QVC around the week of XX/XX/XXXX. They told me they seen the promotion but that its the 6-8 week time frame, after that passes I will see a credit to my QVC account of {$20.00} which I can apply towards a purchase. 
I miscounted weeks and still didnt see the credit around XX/XX/XXXX. I contacted QVC once again and they informed me it wasnt quite the 6-8 weeks yet and to just hold out a little longer and the credit would appear by the following week. 
The following week, on XX/XX/XXXX I reach out to QVC because it still isnt there. The rep that I spoke with apologized, credited it to my account and told me it was ready to use. 
Come yesterday XX/XX/XXXX, I went to purchase something and there was no credit in my account for the {$20.00}. 
I once again contacted QVC who told me they see where the rep credited me {$20.00} on XX/XX/XXXX but that the finance department took it back because Synchrony Bank states that I opened the card prior to XX/XX/XXXX and it didnt qualify for the promotion. 
I clicked on the promotional banner, applied, and purchased my item all in one website visit. If not in one visit it was definitely by the next day. But either way I know that I clicked the banner about the promotion and applied right through the banner link. It said that you had I believe around 5 days to purchase the product. 
I worked in banking  for five years, I know how the promos work, how they can be very specific. I make sure to read all and follow. 

At this point Im pretty annoyed. 
They gave me a {$20.00} credit on XX/XX/XXXX but take it away XX/XX/XXXX according the the rep I spoke with? 
What if I had used the credit in that time? Would they have chased me for the money back? 
The rep told me that she couldnt override the banks decision and all she could do would be give me a {$10.00} credit for the inconvenience. I told her that wasnt acceptable. She advised me to call the bank. The bank told me to call them and up till this point it had always been that way. 
Also why did three reps tell me yup the credit is coming. I see you met the requirements. Its coming. And what kind of company gives the credit, tells me it lasts for three months then takes it away? 
They were able to reference all these conversations, on the fact alone that three reps told me I would be getting it they should honor the credit. 
The lady woman I spoke with just kept repeating herself that she couldnt do more. I asked to have it looked into again because whoever did the validation was incorrect and she wouldnt have that done. 
Ultimately she offered to have a manager reach out to me today and Im waiting for that call.

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