Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Further to complaint # XXXX, please review the attached feedback to Synchrony Banks non-response to my complaint and take appropriate action as required by law. Feedback on Synchrony Banks Response to XX/XX/XXXX Complaint : The latest installment of Synchrony Banks denial and obfuscation campaign against my complaints to the CFPB includes the attachment of an account agreement from XX/XX/XXXX which was subsequently replaced by another set of terms in XXXX, XXXX. The account terms used by the Synchrony employee who wrote the response was null and void at the time she sent it to me. Furthermore, there is nothing in the account agreement regarding currency conversion fees charged by Synchrony Bank, as the issuer of my ATM card. Visa XXXX determines the daily exchange rates for transactions with that card, but Synchrony Bank, as the card issuer, determines the currency exchange fees, as stated in Visa XXXX Currency Exchange Rate Calculator : BANK FEE Processing fee charged by your bank or financial institution. 2 % is an average bank rate, but fees vary so check with your bank for their bank fee rate. The statements and email correspondence I included in my last complaint make it indubitably clear that a ) I was never charged ATM fees by the ATM owner nor by Synchrony bank, thus complying with what I was told multiple times by Synchrony Bank personnel when I inquired both before and after my departure ; and b ) that when I complained after each ATM withdrawal made at XXXX ATM in XXXX, XXXX that I hade been charged a 1 % currency exchange fee based on Visa XXXX daily rates, that fee was subsequently removed from the transaction, as I had been assured by Synchrony Bank personnel that it would be. The clearly contradicts everything XXXX XXXX attempts to claim in her response. It also demonstrated the degree she is willing to include totally irrelevant information to justify her banks fraudulent charges to my account, including references to fees charged by ATM holders, networks, or entities other than Synchrony bank! Virtually nothing she says disputes the validity of my specific claims about Synchronys retroactively adding a 1 % fee to all of my ATM withdrawals again after they had removed it at my request multiple times. The statements clearly indicate the fees were charged by XXXXnchrony, in violation of the terms I had been informed of in ALL previous communications with the bank. I demand restitution I still demand total restitution of all international currency exchange fees charged by Synchrony bank to my account, {$59.00} in total, in addition to reimbursement for all IDD phone calls to Synchrony Bank when I was unable to access my statements online as Synchrony refused to remove my previous XXXX phone number from its records. This amounts to an additional {$30.00} approximately. Finally, I demand a payment of {$10000.00} to compensate me adequately for the lost time and stress Synchrony Bank inflicted on me as a legitimate account holder. This complaint will be refiled as often as necessary until I receive a response to my actual claims for damages, and not lies, diversion, obfuscation and denials from Synchronys corporate offices. Be advised that : 1 ) The response completely contradicts the information I received from Synchrony Bank Employees telephonically both before and after my departure on XX/XX/XXXX, including times and dates which are already documented in the complaint, regarding currency exchange fees and ATM fees. I was repeatedly told there would be none. It also contradicts email communications received from Synchrony indicating that each and every time I was charged a currency exchange fee by Synchrony, I challenged it and it was refunded. It was only later I determined that Synchrony was adding in back in as an additional transaction to my account after the fact, as demonstrated in the enclosed bank statements which I had no access to. XXXX ) XXXX XXXX has consistently refused to respond to my claims that Symchrony bank informed me there would be no currency exchange fees or international transaction fees added to my transactions. Instead, she has attempted to obfuscate by wasting my time talking about fees charged by other entities and has denied the words and assurances of Synchrony Banks own employees, including a supervisor in the International Banking Department, that no such fees would be charged. The account agreement she attempted to use as justification in her response was already null and void when she included it, and it referred to nothing specifically stated in my complaint at all, which was that Synchrony charged me a 1 % international currency exchange fee despite assurances they would not. Rather, this document served only to distract from the real issue. Not a single statement in that document is relevant to my complaint. Not one! XXXX ) XXXX XXXX refuses to refund the fees her bank illegally charged. I have restated my demands above and request that XXXX XXXX supervisors contact the CFPB to indicated when and how they intend to comply with them. 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