Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am filing a complaint against this credit card company, ( synchrony bank at home store ) which is very deceiving. I particularly apply for the credit card because they had insider perks as they call it once the card arrived. It did not see anything of a mention in the paperwork for the shipping weeks later after I went on the website which was first yesterday to place a order along with trying to use my first time 10 % off coupon I then see on the website where it says insider perks get free shipping for {$150.00} I then place items in my cart I see a flat rate of {$15.00} which they have very limited information on their website about shipping but the whole point of people who hold a credit card and get their Credit ran/ pulled still do not get any perks/ free shipping, so that means as long as someone has this credit card for the rest of their life, they will have to pay a standard fee of {$15.00} or wait for a promotion to run and the problem about their items they give you three choices to pick up in store, same-day delivery or you can get it shipped to your house. All products is not available for pick up or same-day delivery but when I went on the website today, at home store rearrange the wording to same-day delivery for free shipping if you spend {$150.00} either way its falsely advertising because again none of the paperwork that arrived in the mail with the card says anything about about shipping costing I should of had a choice to activate the card they shouldve had it listed about the shipping you they waited for a certain person like me of a certain kind to apply they also ask for your drivers license & a live capture of a video of your self in order to verify yourself to then start charging me in particular XXXX XXXXXXXX shipping and not everybody else I did call customer service they was unavailable to assist me so at this point I have a coupon thats expiring in about a day or two I can not use and I also can not use the credit card because Im being charged a fee. I believe this company is very biased. Every since I filed a complaint about getting their other credit cards a few months ago it seems like any card I had after that they started to change the rules and regulations at this point I would like it in writing and want to see the paperwork on. Theres no free shipping unless there is a perk being ran online once a card mentioning free perks. It should have a free perks the only free perk with the card is earning coupons for the points earned by Shopping, but you still have to pay a shipping fee very prejudiced towards certain card holders they are definitely trying to push people off credit cards after at home already ran a hard pull on their credit. Theyre also trying to push people out who get a decent limit on these credit cards and then theyll force people to come in the store or do same-day delivery, everybody is not comfortable with same-day delivery and I am XXXX and can not always make it into a store. I also dont have a local store near me. I believe this company changed their website once I apply for their card to non-free shipping all of a sudden thanks. I will be saving all the information I have and then later, probably will go to court with them over their XXXX  and to reimburse shipping fees due to discrimination, My account last four for at home inspider perks is XXXX I also have four other credit cards with them and I had the same issue in regards to similar things as what Im having with this card. The other thing is my name is not executed correctly. As far as my last name my name has a space in it and a apostrophe when you first open up this account, synchrony, bank ask you for an ID when they ship out the card they purposely do things like this they did this for all 6 of my credit card cards so at this point, I will need my cards updated to what my drivers license XXXX XXXX

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