Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Here are email exchanges between myself and the company. Several months ago I accidently sent Belks ( Synchrony Bank ), a check for {$75.00} and some cents confusing it with another account. Once I realized the mistake, and checked the record, verifying with my credit bureau that the Belks Account had been paid off in XXXX, I contacted Synchrony Bank and told them what had happened and requested a refund. I also sent them a copy of the credit report as proof that the account had been paid off. I also provided this information and evidence to my bank. Synchrony sent me the following below email almost two months ago in XX/XX/XXXX, but to date, they have not corrected or refunded my {$75.00} plus dollars to my account ; but simply sent me a new email stating that they will investigate the case that may take up to 60 days, which is what they told me back in XXXX, XXXX. Now, 58 days later, they are telling me the samething, another 60 days. This is the last chance they have to refund my {$75.00} plus dollars before I file a lawsuit for damages. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Military Officer Commissionable ) XXXX. XXXX XXXX Studies XXXX - XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX File No. XXXXXXXX XXXX XXXXLegal Studies ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX File No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : ~Office of the XXXX XXXX XXXX Sent : Saturday, XX/XX/XXXX at XXXX XXXX XXXX Subject : Re : Acknowledgement I just sent you this email here below where you had told me this samething 58 days ago, now you turn around and send me the same excuse again as if you are stating the 60 days over. If you don't refund my money in the next 48 hours, I am contacting the XXXX XXXX XXXX and filing a complaint with the State Attorney General 's Office. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Military Officer Commissionable ) XXXX. XXXX XXXX Studies XXXX - XXXX ) CalXXXX XXXX XXXX XXXX XXXX XXXX File No. XXXXXXXX XXXX XXXX/Legal Studies ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX File No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : ~Office of the XXXX XXXX XXXX Sent : Saturday, XX/XX/XXXX at XXXX XXXX XXXX Subject : Re : Acknowledgement Dear Office of the President XXXX : You originally told me here below that it would take up to 30 days to investigate this case. This was on XX/XX/XXXX. It has now been 57 days and you have still not responded. Your 60 day full complete review will be in 3 days. Question : Has there been any progress on this? Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Military Officer Commissionable ) XXXX. XXXX XXXX Studies XXXX - XXXX ) California XXXX XXXX XXXX XXXX XXXX File No. XXXXXXXX XXXX XXXX/Legal Studies ( XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX File No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX On Thursday, XX/XX/XXXX at XXXX XXXX XXXX, ~Office of the XXXX XXXX XXXX wrote : Hello XXXX XXXX XXXX , We have received an inquiry from you or someone on your behalf. Communication is important to us, and we are beginning our investigation process. As we work to resolve this matter as quickly as possible, please allow up to 30 calendar days for us to complete our investigation and provide you with a final response. In some instances, your concern may take up to 60 calendar days to fully complete our review. Should you have any questions, or wish to provide further information- please feel free to contact us at ( XXXX ) XXXX during business hours of Monday through Friday XXXX am to XXXXXXXX XXXX XXXX, or Saturday XXXX XXXXXXXX XXXX XXXX. Sincerely, Synchrony Corporate Consumer Relations ( XXXX ) XXXX This e-mail is being sent from an unmonitored e-mail address. Please do not send any emails in response to this notification. On Saturday, XX/XX/XXXX at XXXX XXXX XXXX, ~Office of the President XXXX XXXX wrote : Hello XXXX XXXX, We have received an inquiry from you or someone on your behalf. Communication is important to us, and we are beginning our investigation process. As we work to resolve this matter as quickly as possible, please allow up to 30 calendar days for us to complete our investigation and provide you with a final response. In some instances, your concern may take up to 60 calendar days to fully complete our review. Should you have any questions or wish to provide further information- please feel free to contact us at ( XXXX ) XXXX during business hours of Monday through Friday XXXX XXXX to XXXX XXXX XXXX, or Saturday XXXX XXXX XXXX ET. Sincerely, Synchrony Corporate Consumer Relations ( XXXX ) XXXX This e-mail is being sent from an unmonitored e-mail address. Please do not send any emails in response to this notification.

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