Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My self and my wife XXXX XXXX, arefiling this complaint against Synchrony Bank for its failure to properly investigate and respond to my billing dispute concerning my XXXX XXXX Rewards Credit Card, as well as the resulting financial harm caused by retroactive deferred interest and excessive interest charges. This matter originated from a dispute involving XXXX related to charges on my account. I initially filed a complaint on XX/XX/year>. In its formal response, XXXX clearly stated that it is not responsible for the credit account and that the account is serviced and managed by Synchrony Bank. XXXX explicitly directed that Synchrony Bank is the entity responsible for handling and responding to billing disputes. Following that direction, I submitted a written billing dispute to Synchrony Bank on XX/XX/year>. Accordingly, responsibility for resolving this matter rests with Synchrony Bank. More than 30 days have passed since my dispute was submitted to Synchrony Bank, and I have received no response addressing the disputed charges. The XXXX XXXX XXXX XXXX XXXX XXXX confirmed that Synchrony Bank failed to respond to the complaint and officially closed the case as UNANSWERED, further demonstrating a complete lack of response and engagement from the bank. Instead of responding to the dispute, Synchrony Bank has continued sending automated collection and payment-plan emails, which do not constitute a valid investigation or formal response under federal consumer protection laws. The disputed charges remain unresolved and continue to adversely affect my account. In addition, this situation has resulted in significant financial harm. Although I made consistent payments over nearly two years, Synchrony Bank applied retroactive deferred-interest charges and continues to apply a high APR ( approximately 28.99 % ), causing my balance to increase substantially despite ongoing payments. My billing statements indicate that making only the required minimum payment would take approximately 19 years to repay the balance, with total payments exceeding {$47000.00} on an original balance of approximately {$5000.00}. This represents a disproportionate and harmful financial outcome. I am not seeking to avoid payment. I am requesting that Synchrony Bank be required to : Conduct a proper and documented investigation Provide a substantive written response addressing each disputed item Correct any inaccurate charges or reporting Remove or substantially reduce retroactive deferred-interest charges Review and adjust the excessive interest applied to the account Confirm the account status in writing I also request that Synchrony Bank cease treating collection communications as a substitute for a formal dispute response.

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