Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am contacting you to file a complaint against Synchrony Bank under 18 U.S.C. 1001, for intentionally making false statements to a government agency, in their response on XX/XX/XXXX, to my XX/XX/XXXX, complaint to the Attorney General 's office. 
XXXX XXXX XXXX XXXX XXXX. 

The gist of my complaint was regarding Synchronys scheme to disqualify consumer purchases over XXXX for refunds if the purchase occurs within the 3-day right of rescission rule. 
This rule does not apply to purchases that occur after the 3-day rescission period. Therefore, the purchase date is pivotal for this scheme to work and to accomplish its goal ; Synchrony misrepresents when the purchase was made. let 's get straight to the facts. 

First, look at their XX/XX/XXXX, response beginning with the 3rd paragraph. 
( See XXXX XXXX. ) It states that XXXX XXXX made a purchase totaling XXXX on XX/XX/XXXX. 
Synchrony Bank, the card issuer, will clarify when a purchase occurs. Refer to ( XXXX XXXX CFPB XXXX XXXX - XXXX ), see paragraph. 5. To be quite clear, according to Synchrony, when a purchase is made, the account is reviewed to determine which promotional terms the account qualifies for.

Synchrony states that at the time of purchase, my account qualified for a 12-month deferred interest promotion, which occurred on XX/XX/XXXX. 

Now, refer to ( XXXX XXXX Treatment Case ), I visited XXXX XXXX on XX/XX/XXXX, for an oral examination. 
The office manager documented the promotional terms on my treatment case paperwork, stating that my purchase qualified for a 6-month Def. IN. In other words, 6 months of deferred interest. 

According to the expert card issuer, the purchase occurred on XX/XX/XXXX. 
My treatment was scheduled for XX/XX/XXXX. After my treatment, I completed my purchase by swiping the CareCredit card after services were rendered. 

The XXXX XXXX XXXX XXXX verifies the promotional period and confirms that the processing fee for this period reflects a 6-month deferred interest service charge of {$80.00} on my purchase of {$2700.00}. This charge is applied when the credit card is swiped. 
( Refer to XXXX XXXX ) The evidence contradicts Synchronys claim of a purchase made on XX/XX/XXXX, with a 12-month promotional term that they reported to your office. Next the billing statement that Synchrony Bank provided to your office. See ( XXXX XXXX ) Look at the Promotional Purchase Summary... The Promotional Expiration date XXXX XXXX Suggests a 12-month deferred interest promotion ; see the transaction date of XXXX XXXX / XXXX Considering the evidence, I do believe these entries and document would be considered fraudulent. 

Synchrony stressed the importance of compliance and claimed they follow ALL APPLICABLE LAWS AND REGULATIONS! 
See ( XXXX XXXX, second paragraph ) Synchrony Banks response to the Attorney General 's office proves that to be another misrepresentation of the facts!

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