Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is a supplement to my reply to Synchronys response dated XX/XX/XXXX. CFPB Complaint # : XXXX On XX/XX/XXXX, I received statements from XX/XX/XXXX, through the present. These statements are accessible online. I need the statements from the inception of the account to XX/XX/XXXX. This does not satisfy my request. You are still withholding documents necessary to validate and/or confirm the amount you claim I owe as well as the agreement to waive the interest. 

Proof You Failed to Disclose All Correspondences According to your response you stated Lastly, as requested, we have enclosed copies of all correspondence sent in relation to your XXXX XXXXXXXXXXXX XXXX XXXXXXXX account since it was opened on XX/XX/XXXX. For your convenience, the enclosed Synchrony correspondence copies are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I am happy that you stated this on record because I was fortunate to find the correspondence dated XX/XX/XXXX, confirming cancellation of the card security program. SEE EXHIBIT A Why didnt you disclose that correspondence. Maybe because you thought I would not be able to locate it. I told you that you were withholding information from me. I know have the CFPB as witness that you have just concealed the facts from the me and your failure to maintain accurate records. If you are going to reference certain charges on my account, make sure you have the documents to back that up. Now theres another correspondence that you sent me confirming the waiver of interest. That correspondence was water damaged but hopefully I did not discard of it and will find it. You should still have a copy since it happened on or around XX/XX/XXXX. 

Closure of Account Unwarranted Besides the discrepancy made to my report at the time regarding a high utilization rate by inaccurate reporting of 1 account being reported as 2 separate accounts, I was otherwise in good standing. Not one single account ever showed a history of being late. Another reason why I found it to be unwarranted and deceitful for you to close my account was because I was being charged for card security.

History of Adding Unwarranted Fees and Charges In my computer files, I stumbled across other proof you have a history of reporting inaccurate information against me. There was a time you reported me late when I WAS NOT LATE AT ALL. I had proof I paid my bill. SEE EXHIBIT B account activity During that dispute, I printed a copy of my account activity that proved I was making monthly timely payments and you charged me a {$30.00} late fee on XX/XX/XXXX, for being late. I made a payment on XX/XX/XXXX for {$150.00}, a payment of {$250.00} on XX/XX/XXXX, then a late fee on XX/XX/XXXX. You stated it was in error, would be removed and would credit that charge back to my account. Did you ever credit my account? Were there other charges applied that I am unaware of which is why you refuse to provide me this information? I would not know because certain statements were removed from the account. The online account is now only giving me access to the last 12 months and no matter how many times I request a copy of my prior statements, you continuously refuse to provide them to me but continue to charge and report all types of things to discredit my credit worthiness. I need to confirm the charges. I still dispute the amount you claim is owed and you can not validate the debt. 

Based on this proof and evidence, public reviews from trust pilot and your failure to disclose a correspondence you had an obligation to disclose, that I have proof of in my possession, convinces me and only confirms that Synchrony Bank routinely engages in deceitful business practices. 

Another issue is the charge for {$920.00} in deferred interest charge. According to your correspondence you stated, As a result, your account incurred deferred interest charges in the amount of {$160.00} on XX/XX/XXXX, {$820.00} on XX/XX/XXXX, and {$850.00} on XX/XX/XXXX. In EXHIBIT C The statements state otherwise, and the payment activity shows something different from the 2. You are just throwing numbers out there. Instead of charging {$820.00} you charged me {$920.00}. This can not be made up. 


XX/XX/XXXX Communication I proposed for you to waive the deferred interest if I pay the account in full. You eventually agreed but you stated it could not be put in writing. Considering the dispute and given your history of deceitful practices and going back on our agreement, I couldnt trust you and told you that I would be transferring the funds from my investment account and will call back. I wanted to have this documented, but you confirmed you could not put this in writing. This was a red flag to me because if you had good intentions, you would have agreed to put this is writing. Instead, you reported the disputed portion to the credit bureau causing 2 increases in utilization charges resulting in another negative impact to my score. I disputed it with the credit bureau. 

On XX/XX/XXXX, I contacted your office and as a courtesy I was allowed to pay only one of the promotional balances and refunded the deferred interest of {$850.00} but not the one charged in the prior month I disputed and referenced our agreement. Once again you confirmed it could not be documented in writing so this time, I made you aware I had my daughter listening as a witness to document the call just in case if you go back on your word again. 

I am a XXXX worker. I must work 4 times harder than most to make the income I do. I do not have the time to be drafting these correspondences and keeping track of your accounting. I am a business owner and rely on maintaining good credit for low interest rates and funding. Based on reviews I see a pattern of abuse and cant help to wonder if certain classes are being targeted. I can not trust that you will ever cooperate in good faith, and I have come to realize that I may have to pay the disputed charges in full to avoid any further damages and refer this matter to an attorney that deals with consumer transactions.

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