Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Bank sent an email regarding my bill, but the links to view my account don't work, and the phone line doesn't connect me to a bank representative to pay the bill. 

I want to give you a heads up in case they try to ruin my credit rating by claiming I didn't pay. There is no way to connect to them. The message I receive when calling them requires me to provide my account number and Social Security number. I'm can't know it, as they don't send credit cards for you to hold ( only suitable for Walmart online purchases ). I deleted the card. 

synchrony_logo Issued by synchrony Display images to show real-time content Your monthly statement is available now. 
Hi XXXX, Your XXXX CashRewards Card online statement is now ready for viewing. 
Your Balance : {$200.00} Minimum Payment Due : {$30.00} Payment Due Date : XX/XX/year> Log In Now You can : View your current statement View all payment options View recent transaction history The XXXX  CashRewards Card is issued by Synchrony Bank pursuant to a license by Mastercard XXXX XXXX. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard XXXX XXXX. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission s ( FTC ) consumer website. 

This is an unmonitored email box. Please do not reply to this email. 

ABOUT THIS EMAIL MESSAGE : This email was sent by Synchrony to provide important account servicing information regarding your XXXX  CashRewards Card account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your XXXX  CashRewards Card account.

Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX. www.synchrony.com This is what the Internet says about them : Many consumers have reported dissatisfaction with Synchrony Bank, citing issues such as poor customer service, billing problems, and difficulty in resolving complaints. The bank has received a significant number of complaints, with many customers expressing frustration over their experiences and the handling of their accounts. XXXX XXXX Overview of Consumer Complaints Against Synchrony Bank General Complaint Trends Synchrony Bank has received a significant number of complaints, totaling over 8,000 in the last three years. 
The majority of these complaints are related to billing issues, customer service, and account management. 

Specific Issues Reported Complaint Type Number of Complaints Billing Issues XXXX Customer Service Numerous complaints about difficulty in reaching support and resolving issues Account Management Complaints about account closures and payment processing errors Customer Ratings Synchrony Bank has a low customer satisfaction rating, averaging around XXXX star from various reviews. 
Many customers express frustration with the bank 's customer service, citing long wait times and unhelpful responses. 

Common Complaints Difficulty Contacting Support : Many users report challenges in reaching customer service representatives. 
Payment Processing Issues : Customers have experienced problems with payments being processed incorrectly or late fees being applied erroneously. 
Account Closures : Some users have reported unexpected account closures despite maintaining good payment history. 

Conclusion Consumer complaints against Synchrony Bank highlight significant dissatisfaction, particularly regarding customer service and billing practices. Many customers recommend avoiding the bank due to these ongoing issues.

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