Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Further to complaint # XXXX, be advised of the following : XXXX XXXX has now responded 5 times to my complaints about Synchrony Bank XXXX and all responses are virtually identical. I will continue to file fresh complaints against Synchrony until : 1 ) XXXX XXXX and Synchrony Bank cease referring to documents which are both irrelevant to my complaint and are no longer in force, specifically the so-called Consumer Deposit Account Agreement, dated XX/XX/XXXX, which was superseded by a new document on XX/XX/XXXX, and was no longer in effect at the time my complaints were filed. 2 ) XXXX XXXX and Synchrony Bank cease referring my inquiries to their so-called " international phone number '' ( XXXX ) XXXX, which does not exist as a separate department and which I called or attempted to call multiple times in XXXX, XXXX. The information I was given when I called this number directly contradicts XXXX XXXX 's claims about ATM fees and foreign currency exchange fees. 3 ) XXXX XXXX stops quoting the same passage of the now defunct account agreement about exchange rates, which has no relevance whatsoever to my complaint. 4 ) XXXX XXXX stops quoting from the same passage of the now defunct account agreement regarding ATM fees, which has no relevance to my complaint. 5 ) XXXX XXXX stops quoting from the same passage of the now defunct account agreement referring to fees and charges made by " the network '', as these charges were never made by the XXXX XXXX, but by Synchrony Bank. 6 ) XXXX XXXX ceases to attribute Synchrony 's 1 % foreign currency exchange fee on " the network ''. 7 ) XXXX XXXX ceases to deny that Synchrony Bank charges a 1 % foreign currency exchange fees for all international transactions. 8 ) XXXX XXXX ceases to obfuscate the fact that the exchange rate used for all international transactions made using the ATM cards is determined by the XXXX International Exchange Rate on the date the transaction is made. 9 ) XXXX XXXX ceases to deny that the XXXX International Exchange Rate Calculator webpage clearly states that foreign currency exchange fees are assessed by the issuing bank -- Synchrony -- and not the network -- Visa. 10 ) Synchrony Bank immediately refunds 100 % of its foreign currency exchange fees charged to my account based on the false information I was given by a supervisor at their so-called " international phone number '' in XXXX, XXXX, indicating that Synchrony Bank charges no international exchange fees whatsoever. Synchrony records all calls. They have an obligation to listen to the relevant phone calls and make restitution accordingly. 11 ) Synchrony Bank immediately reimburses me for the unnecessary international calls I was forced to make to inquire about fees to my account and to get account balances, as I was unable to access my account online. 12 ) Synchrony Bank explains why they continued to use a US phone number -- ( XXXX ) XXXX -- which I informed them in XXXX, XXXX was no longer under my control to attempt to contact me and convey confidential and sensitive banking information. 13 ) Synchrony Bank admits that they are lying about charging international phone numbers, ATM fee reimbursement, currency exchange fees, and mysterious charges they claim are imposed by " the network ''. 14 ) Synchrony Bank pays me a one-time restitution fee of {$10000.00} USD for systematically and repeatedly lying about their international banking practices, for breaching the security of my banking information by using a phone number I no longer controlled, and for preventing me from accessing my bank statements from abroad from XXXX, XXXX to XXXX, XXXX. 15 ) Synchrony Bank 's Chief Executive Officer issues me a formal letter of apology based on the disingenuousness of it's so-called Corporate Consumer Affairs Department XXXX Until all of these actions have been taken, I will continue to file complaints against Synchrony Bank based on their refusal to honestly deal with my complaints and to compensate me for damages done due to their deliberate malfeasance.

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