Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Over many years, XXXX Amazon card has provided deliberately misleading account balance due information on the automated phone line, and on text. I believe CFPB knows this, and that there are multiple lawsuits settled and pending, according to my information. They have done it to me for years. Appear to continue after legal action. 

Latest example : XXXX  XX/XX/year> XXXX pm ( after business hrs XXXX  ) received XXXX text " Let 's Fix This, make a payment " followed by XXXX XXXX and phone contact. No amounts or dates. I use the phone pay information, which states {$240.00} dollars due XX/XX/XXXX, next week, period. I think I am current until XX/XX/XXXX. 

Today XX/XX/year> XXXX am I get another XXXX text from a totally different text stream than the " let 's fix this.. '' that had no amounts or dates, completely unattached to yesterdays stream, not connected. This one states {$100.00} due, no due date or overdue notice. I call to pay, and get a familiar routine. After asking operator why automated phone info is incorrect I get the same routine as in years past : " Didn't you receive your paper bill? Didn't you look online? " I reply : '' No, I used the auto phone info I I've asked you to correct for years. I'll pay now if {$100.00} is correct and overdue, and the {$140.00} for XX/XX/XXXX on XX/XX/XXXX when it is due and not before, if that is indeed correct. " Before taking payment, she gives me routine # XXXX, which I have heard many times over the years : " Why is you payment late? '' Me : " Because of the misleading, mismatched, and incorrect payment status information we have been discussing for the past XXXX minutes. '' Her : " Didn't you receive your paper billing? Why is your payment late? '' Me : " I use the phone pay and info, that I asked to be corrected for years. '' Her : " Why is your bill late? Didn't you receive your paper bill? " Repeat exchange XXXX times. 

I asked for corporate complaint number, she went away and came back empty, no number. While waiting, I looked up XXXX lawsuits and came upon CFPB settled and pending. I told her thanks, I'm joining any class actions, and goodbye. 

I believe they capitalize on early payment interest they accrue when they con you into pay before due, and also on interest you pay when they deceive you into paying late, over their vast holdings adding up. Does CFPB concur? Does settled action concur? 

If needed, I may file a separate complaint on XXXX XXXX XXXX, they hit me up twice 7 years ago for {$6000.00} then {$8000.00} for XXXX separate XXXX savable cats with the vets pushing me for useless XXXX XXXX  etc. while pushing XXXX XXXX. They pushed it on me at XXXX XXXX in XXXX. XXXX XXXX ago pushing for {$50000.00} in gum implants which no less than XXXX dentists and oral surgeons told me were totally unnecessary. Local dentist told me " This kind of thing makes me want to quit dentistry. '' Ambulance chasers. 

Thank you for work of CFPB, have always supported greatly, will try to contribute. Let me know if I need a separate filing for XXXX XXXX. Request files if needed.

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