Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge 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: TX

Complaint narrative:
I am filing a new complaint because Synchrony Bank caused severe financial harm, refused to investigate my disputes, blocked my written communications, and reported false delinquency that damaged my credit, increased my insurance premiums, and caused my mortgage company to reject my insurance. My previous CFPB complaint was closed before I was able to upload my evidence, so I am submitting a complete package now. I am an XXXX, XXXX homeowner living alone. I have always paid my bills early and in full. I relied on Synchrony Banks statements and online balance to make payments. Despite this, Synchrony reported me as delinquent even though I paid early. This false reporting caused my XXXX XXXX to drop from XXXX to XXXX, and then again to XXXX after retaliation. I disputed XXXX items ( Section XXXX ) and XXXX items ( Section XXXX ). Many items were defective, incorrect, or returned. Synchrony refused to take my disputes, repeatedly hung up on me, and told me statements such as DONT SWEAT MY COMPUTER and Its getting late, I have to go home. Synchrony also blocked my email on XXXX, returning my dispute message with XXXX unable to receive incoming messages. This prevented me from submitting written disputes. I returned an item worth {$480.00}, and I have XXXX proof of return, but Synchrony still denied the dispute. Synchrony escalated the account to collections despite my disputes and despite my early payments. Because of Synchronys false reporting, my homeowners insurance premiums increased, and I was forced into a 10 % deductible highrisk policy. On XX/XX/year>, my mortgage company sent me a letter stating that my insurance is unacceptable because the deductible exceeds 5 %. This is direct, documented financial harm caused by Synchronys inaccurate reporting. I have prepared a complete evidence package including : A notarized affidavit ( XXXX ) A notarized declaration ( XXXX ) A full timeline A communication log A payment history note A case summary A final statement A cover letter A returned item summary A credit damage summary An insurance harm summary The mortgage rejection letter Screenshots, statements, and supporting documents Evidence of XXXX disputed items Evidence of XXXX disputed items Proof of blocked email Proof of returned merchandise Proof of early payments I am requesting that the CFPB require Synchrony Bank to : XXXX. Correct the false delinquency reporting XXXX. Remove the improper charges XXXX. Remove all negative credit reporting XXXX. Reinvestigate all disputes in good faith XXXX. Restore my credit to its accurate standing I am submitting all evidence now because I was unable to upload documents in my previous complaint before it was closed. Everything I have stated is true and supported by documentation. I am an elderly, XXXX consumer who has been harmed financially, emotionally, and physically by XXXX Banks actions. I am asking for fairness, accuracy, and protection.

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