Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
They said in their response that I was welcome to reopen case, so I will. I spoke with someone from the banks corporate area, on the phone, about interest that expired in this past XX/XX/year>XXXX on a promotion. I spoke with this person sometime in very late XXXX or very early XXXX After consideration, they agreed to waive interest if I made a certain payment in a certain amount of time. I complied and they did. While on the phone with this person, I raised a very serious concern about the next one expiring that very month. XXXX ( I had XXXX expiring special promotions XXXX after the other, very close together ). The person led me to believe that I can open a new case and go ahead and do so and it would be reviewed. I got around to doing so in a couple of weeks as I had just had XXXX and I was in a lot of pain and could barely concentrate. I submitted the case through the CFPB in regard to the promotion expiring in XXXX for which I was charged a very large amount of interest. I went on to explain the hardship and that my husband was laid off for XXXX year. I was making all my payments and my account was in good standing, in spite of the hardship but only the min payment. There was no way we could do more. We had our mortgage on forbearance for XXXX year!! He was finally going to be going back to work full time in early XXXX. I receive SS XXXX. I am not working. I was told by this person something about XXXX days, I had to protest and that I would have to make a payment of something like {$800.00} by the end of XXXX. I was ready to do so. However, I never heard anything. I was waiting and waiting. I received I believe XXXX responses through the CFPB that they needed more time. ( Consequently, when someone contacted me at least a month ago about another matter with another Synchrony card for my husband that was closed by the bank in error ( I was an authorized user ) I mentioned this case to him and he even seen the notes under my ss when he pulled up my Care Credit account. He said he knew the person and would message her ). Nothing. I still didn't hear. All I kept being told is they need more time to investigate. Why? Why was this taking so long and why were they stalling like this? Now, they come back and finally tell me no. My min payment is very high. We are still struggling since he only just went back to work XX/XX/XXXX and we had to wait weeks for a full paycheck. We only just went back to paying our mortgage off of forbearance. Why this delay. Why this stalling? For what? Then they send this long involved complicate letter, the second and third paragraph being a copy and paste, boiler-plate response they must send everyone. so, the hardship was not acknowledged. Again, I was ready to meet the obligation. in XXXX. I was not given the chance. although hard, we were going to try to do it in XXXX payments. What happened? Why did they take so long just to rule against me in this request?

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