Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SCAM LIKELY!!! SYNCHRONY/CARECREDIT - Be cautious with this company. Their representatives provide inconsistent and misleading information that makes customers believe they are being helped when they are not. From my experience, the practices feel confusing, unclear, and designed in a way that makes it difficult for customers to get straightforward answers about their accounts. 
In the past, I worked for an e-commerce company with similarly questionable practices, customers were automatically enrolled in subscriptions and only received full refunds after filing formal complaints. Once I saw how wrong that system was, I left. 
Based on the lack of transparency and accuracy they will easily take advantage of customers vulnerability. 
SYNCHRONY/CARECREDIT customer care will give you inconsistent and misleading information. Supervisors/escalation team is unprofessional - particularly a representative named XXXX, who identified herself at various points as an Account XXXX, XXXX, and XXXX Representative. 
I called after noticing my automatic payment of {$100.00}, only deducting {$50.00}. The first agent I spoke with was unable to assist, so I requested a supervisor. I was transferred to XXXX, who confirmed that my auto-pay was originally set up at {$100.00} but then stated that it had been changed as of the same day. When I asked for clarification regarding how or why this change occurred, she told me that I would need to subpoena the records if I wanted that information. 
Throughout our conversation, XXXX was dismissive and unhelpful. Her attitude was combative, and instead of trying to resolve my concern, she appeared more focused on arguing. When I asked for a supervisor, she first stated she was the highest-level authority available, while I was still in mid sentence, XXXX abruptly disconnected the call. 
I called back and was escalated to XXXX, who identified himself as a XXXX. After explaining the situation, I was given a balance payoff amount and made to believe, similar to the previous agents I had spoken to, that if I made a lump-sum payment by a certain date, the account would be considered resolved. I was told that as long as payment was received by one of several dates provided ( XXXX XXXX, XXXX XXXX, or XXXX XXXX ), and I called back to confirm the payment was made, my account would no longer have a balance. This information appears to have been inaccurate and misleading. 
Eventually, I reached an actual XXXX who, within five minutes, was able to explain everything clearly, accurately, and professionally. She demonstrated patience and provided accurate information without being misleading. This interaction highlighted the contrast between proper customer service and the experiences I had earlier in the day. 
Stay away from SYNCHRONY/CARECREDIT, THEY ARE A SCAM COMPANY!!!

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