Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Hello, I am submitting this complaint regarding my CareCredit account issued by Synchrony Bank, who has participated in predatory billing practices and wrongfully closed my account. They have also kept improper records of my phone conversations with them. I have provided evidence of these false and misleading practices, as well as my call history with dates and length of time spent trying to make sense of the issues. Only one claim was opened on my behalf and the account was closed without the claim being addressed, in addition to closure without notice although I make extra payments each month, well beyond the minimum owed. I have consistently attempted to maintain my account in good standing and have a history of making payments on or before their due dates. On XX/XX/year>, I scheduled payment ( s ) toward my account and subsequently received email confirmation ( s ) indicating that the payment ( s ) had been successfully posted to my account on XX/XX/year>. Subsequently, I also submitted a payment early and received another confirmation that my payment had successfully posted to my balance on XX/XX/year>, before my monthly due date of XX/XX/year>. Based on these communications, I reasonably believed that my payments had been successfully processed and applied to my account. I was not notified by Synchrony Bank/CareCredit that the payment ( s ) remained pending, had failed, or required further action. Instead, I first learned of the issue when my bank notified me on that the payment had been returned due to " uncollected funds. '' I take this to mean that rather than insufficient funds, as CareCredit claims, they took too long to process a payment willfully, which my bank then had to return due to the mismatched dates of the charges, resulting in fraudulent late fees and the eventual closure of my CareCredit Syncrony account. Following these events, and multiple phone conversations with no notes or followup on the single submitted claim, despite my calling on three separate occasions, Synchrony Bank/CareCredit assessed fraudulent late fees, reported delinquency, and has closed my account. I rely on this card to care for my animals ' high hospital bills and have routinely paid it off on time over the last four years. My concerns are : -I received communications indicating that the payment had posted. -I was not provided timely notice that the payment was unsuccessful. -I relied on the information provided by the creditor. -Fees, interest, account restrictions, and/or negative reporting have resulted from information that was inconsistent with the communications I received. -Syncrony knowingly withheld payments past the promised 1-4 business day periods resulting in an uncollected funds error through my bank, as indicated in the evidence provided.

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 monetary relief