Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Urgent Consumer Complaint Unauthorized Enrollment in Credit Card XXXX XXXX and Deceptive Billing by Synchrony Bank To Whom It May Concern, I am writing to formally file a complaint against Synchrony Bank for unauthorized enrollment in a Credit Card XXXX XXXX and deceptive billing practices. I request an immediate investigation and resolution of the issues outlined below. 

Background : I applied for a XXXX XXXX & XXXX credit card issued by Synchrony Bank to finance an appliance purchase under a XXXX, 0 % interest promotional plan. During the application, I provided only my phone number and my Social Security number. I also enrolled in automatic payments to ensure the balance would be fully paid within the promotional period. 

After completing the payments, I logged into my account and was surprised to find an outstanding balance. Upon further review, I discovered charges for a " Credit Card XXXX XXXX '' that I never knowingly enrolled in, consented to, or was informed about either verbally or in writing. 

Because my account was set to paperless statements, I received no physical notifications or disclosures regarding this program or the charges associated with it. I contacted Synchrony Bank immediately to dispute the charges and spoke with multiple representatives, including supervisors. Despite explaining that I never authorized enrollment in this program, I was told the charges were valid and that I was responsible for the fees and resulting late charges. 

Ongoing Issues : Lack of Informed Consent : At no point during the application process was I made aware of or asked to opt into this Credit Card XXXX XXXX. 

No Disclosure : I did not receive clear, written terms and conditions regarding this program at the time of enrollment or anytime afterward. 

Denial of Refund : Synchrony Bank has denied my request to reverse the unauthorized charges, even after escalating the matter. 

Negative Impact : I am concerned about potential damage to my credit due to these erroneous charges. 

This is particularly troubling given that I also hold other credit cards issued by Synchrony Bank ( including other retail cards ), none of which included unsolicited security program charges. This suggests a systemic issue rather than an isolated mistake. These practices appear predatory, especially considering the growing number of similar consumer complaints. 

I also contacted XXXX XXXX & XXXX, who confirmed that all installments were received on time and the appliance was fully paid. However, they stated they have no access to the credit card billing system and advised me to dispute the charges with XXXX directly, offering no further assistance. 

To support my complaint, I am attaching a denial letter received from Synchrony Bank, in which they refuse to acknowledge responsibility for these unauthorized charges. This response is unacceptable and further illustrates their lack of accountability.

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