Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On Friday, XX/XX/XXXX I noticed a long crack in my windshield. I needed a few other auto maintenance and repair work done so I called my dealerships service center. I asked them to provide me an estimate for the work that needed to be done and I knew it was more than I could afford. To make sure I had the appropriate funds to pay for these repairs. I searched online for car repair credit and the first search result was Synchrony Car Care Credit Card. On the Synchrony website, my dealership, XXXX XXXX XXXX in XXXX XXXX, KS is listed as an available merchant to use this card. Because of that I applied for the card on Friday before I dropped my car off because I wasnt 100 % sure that I was going to be approved because Im currently working on paying off some credit card debt and my credit score is fairly low. To my great surprise, I was approved for {$1400.00} so I reached back out to my dealership to schedule an appointment for Monday, XX/XX/XXXX, which was the earliest that they could start performing the work. Once I was approved for the car care credit card, the approval page displayed an account number and said it was valid through XX/XX/XXXX. Because I didnt know yet what the total was going to be for all of the repairs I figured I could get in touch with synchrony when I picked up my car to get a new temporary card number issued. Today, Tuesday, XX/XX/XXXX, I went to pick up my vehicle and pay for the repairs. When I showed the service agent the temporary card information, he confirmed that I needed a valid expiration date so I called Synchrony. The first person I spoke with said that they couldnt issue me a temporary card number and would have to wait for the mailed card to arrive so I asked for a manager. The account manager I spoke with said that I needed XXXX XXXX XXXX to call Synchrony as a merchant to authorize the card. The cashier at XXXX XXXX called and they told her that it looked like they werent any active merchant. She was told that she need to speak with someone in the synchrony sales department. After initially, leaving a message, she finally spoke to someone in sales who didnt provide a resolution to this issue and just reaffirmed that XXXX XXXX XXXX listen an active merchant. I called synchrony car care again and asked to speak with a manager who then transferred me to someone else and after a considerable amount of back-and-forth with me and the cashier at XXXX XXXX XXXX they once again said that they werent an active merchant and there was nothing they could do. XXXX XXXX XXXX has another company that they work with called sun bit that offers financing but given the fact that my credit score is somewhere around XXXX I told them I would likely not get approved. Im filing this complaint because the account manager that I spoke with said that their website merchant list is updated every day and it lists XXXX XXXX XXXX as an available merchant, and because of that I applied for this financing that then I was not able to use. I spent several hours at the dealership this morning, and I was on the phone multiple times and so were two of the dealerships cashiers with no resolution.

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