Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I. Forensic Account Audit & Primary Discrepancies I am filing a formal consumer protection complaint against Synchrony Bank for structural billing fraud, predatory deferred interest manipulation, deceptive web-portal statement suppression, and deceptive marketing of add-on features on my Pep Boys account ending in XXXX onboarding documents confirm this account was established on XX/XX/XXXX, with a strict contractual credit limit of {$800.00}. As verified by my statement closing XX/XX/XXXX, Synchrony Bank reports an artificially manufactured balance of {$900.00}, pushing my account {$100.00} over limit, despite regular cash payments ( including a {$46.00} payment on XX/XX/XXXX ) and executing {$0.00} in new purchases. A chronological mathematical audit of the statement disclosures reveals a calculated pattern of balance inflation designed to engineer a structural default : The bank quietly packed an ongoing monthly fee labeled " XXXX XXXX XXXX '' ( {$14.00} for this cycle ) onto my ledger. While I initially authorized this payment protection feature, this authorization is legally void because the bank deceptively omitted the predatory, variable structure of the fee program. The bank concealed that the premium automatically scales as a percentage of the total balance. When the bank hit the account with a retroactive interest penalty, the protection premium automatically spiked. The bank used a deceptive enrollment structure to extract inflated premiums calculated directly on top of the penalty balances they created, accumulating {$75.00} in XXXX XXXX account is trapped in an unconscionable negative amortization loop, compounding a usurious 32.99 % Penalty APR on an unverified balance base. Over 79 % of my monthly cash payment is consumed by bank overhead, generating {$120.00} in Year-to-Date interest. Furthermore, my statutory right to inspect this balance inflation has been explicitly blocked : Synchrony Bank is systematically withholding and suppressing all monthly billing statements from XX/XX/XXXX through XX/XX/XXXX on its electronic consumer portal. The bank is demanding payment for interest and fees calculated during a XXXX window that they are actively hiding from me. XXXX. Enforceable Statutory and Regulatory Violations Violation of the Periodic Statement Mandate XXXX XXXX XXXX ( b ) ( XXXX ) : By hiding XXXX consecutive months of billing records from account opening in XX/XX/XXXX through XX/XX/XXXX, the bank has failed to provide required periodic disclosures, preventing the consumer from inspecting payment allocations and transaction records. Obstruction of XXXX XXXX XXXX Rights XXXX XXXX. XXXX & XXXX CFR XXXX : By suppressing the first XXXX months of account data, the bank has actively obstructed my ability to trace, identify, and formally challenge billing errors under the XXXX XXXX Billing Act ( FCBA ). Deceptive XXXX & XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX. XXXX ( XXXX ) : Soliciting an authorization for payment protection without disclosing that the fee structure automatically scales to compound onto penalty interest fees constitutes an Unfair, Deceptive, and Abusive Act or Practice. Unlawful XXXX XXXX XXXX XXXX XXXX XXXX : The bank permitted unverified trailing interest and automated junk premiums to repeatedly compound, engineering an overlimit status of {$100.00} without my explicit opt-in, destroying my card utilization metrics.

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 monetary relief