Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Approximately late XXXX or early XXXX of this year, I made an online XXXX XXXX XXXX payment to Synchrony Bank for the full amount of my monthly statement which was {$430.00}, the exact same method virtually the entire country uses to pay bills, and the same method I have successfully used to pay Synchrony statements in the past. In my physical possession are two emails from Synchrony Bank confirming they both received and processed this payment by XX/XX/year>. 

Subsequently, Synchrony sends me correspondence saying my payment " was rejected '', without any explanation of what that is supposed to mean, or how that is even possible given the written notification I have from them confirming payment has already been processed in full. 

Speaking with their XXXX representatives, each person I spoke with confirmed all calls are recorded in full. So there is a documented record in their possession of all my claims. These same reps said they had no idea what " rejected '' meant, only that Synchrony had sent my payment back to my bank ( XXXX XXXX XXXX XXXX One of their reps got creative and suggested he do a wire transfer from my XXXX checking to satisfy the bill with Synchrony. He processed the payment and had me hold on the line until he was able to give confirmation that the wire transfer was successfully completed. Unfortunately, within 10 days or less, I received yet another late payment notice from Synchrony. Again I called and spoke with a rep who confirmed ( recorded call ) the payment had been submitted but Synchrony again chose to " reject '' the payment. 

Realizing this was a dead end street, and with the Synchrony reps offering no alternative methods for me to satisfy this payment, I filed written complaints with both the Idaho Attorney General and the XXXX. To date, Synchrony has refused to respond to either of them! Instead, they sent me a rude form letter saying they had cancelled my account because of " dishonored '' payments, and offering no means of paying them that they would be willing to accept. 

* NOTE! This was never a situation of NSF ( non-sufficient funds ) or payment in foreign currency or any other such nonsense. These were payments in full and well prior to the due date in American dollars from my account at XXXX Bank XXXX 

Then, to add insult to injury, they began submitting false and fraudulent reports to the credit reporting agencies that I am a delinquent bill payer. My perfect credit score which was well above the XXXX mark has now been degraded to about XXXX. 

Synchrony has singlehandedly created a no win situation where they refuse to accept my payments, refuse to explain why, refuse to provide a means for me to satisfy the debt, then add bogus late fees and penalties and report me to the credit agencies slandering my good name and damaging my previously perfect credit score. The entire charade reeks of fraud and criminal intent. They have been notified by me several times, notified by the Attorney General and XXXX, yet they refuse to respond other than to send inflated past due statements ( which they refuse to accept payments on ) and make fraudulent reports to the credit agencies.

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