and was not misused. I therefore sent a formal demand letter to Synchrony on XX/XX/XXXX to request my cash back within the 90 day period. I received a generic letter reply stating that more information was required and to call customer service. I spoke with account XXXX XXXX on XX/XX/XXXX who escalated my concern and told me I would hear back in the next XXXX hours. Instead I received the exact same generic letter as before on XX/XX/XXXX.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,NY,11101,,Consent provided,Web,2024-12-17,Closed with explanation,Yes,N/A,11180102

What the CFPB Record Shows About and was not misused. I therefore sent a formal demand letter to Synchrony on XX/XX/XXXX to request my cash back within the 90 day period. I received a generic letter reply stating that more information was required and to call customer service. I spoke with account XXXX XXXX on XX/XX/XXXX who escalated my concern and told me I would hear back in the next XXXX hours. Instead I received the exact same generic letter as before on XX/XX/XXXX.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,NY,11101,,Consent provided,Web,2024-12-17,Closed with explanation,Yes,N/A,11180102

and was not misused. I therefore sent a formal demand letter to Synchrony on XX/XX/XXXX to request my cash back within the 90 day period. I received a generic letter reply stating that more information was required and to call customer service. I spoke with account XXXX XXXX on XX/XX/XXXX who escalated my concern and told me I would hear back in the next XXXX hours. Instead I received the exact same generic letter as before on XX/XX/XXXX.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,NY,11101,,Consent provided,Web,2024-12-17,Closed with explanation,Yes,N/A,11180102 has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to Howe, and the most recent logged activity is However, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, and was not misused. I therefore sent a formal demand letter to Synchrony on XX/XX/XXXX to request my cash back within the 90 day period. I received a generic letter reply stating that more information was required and to call customer service. I spoke with account XXXX XXXX on XX/XX/XXXX who escalated my concern and told me I would hear back in the next XXXX hours. Instead I received the exact same generic letter as before on XX/XX/XXXX.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,NY,11101,,Consent provided,Web,2024-12-17,Closed with explanation,Yes,N/A,11180102 reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "synchrony 's own credit card rewards Terms and Conditions for this card states here ( XXXX XXXX XXXX XXXX XXXX XXXX If your Card Account has a New York mailing address", and the single most common underlying issue is "cancelled".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating and was not misused. I therefore sent a formal demand letter to Synchrony on XX/XX/XXXX to request my cash back within the 90 day period. I received a generic letter reply stating that more information was required and to call customer service. I spoke with account XXXX XXXX on XX/XX/XXXX who escalated my concern and told me I would hear back in the next XXXX hours. Instead I received the exact same generic letter as before on XX/XX/XXXX.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,NY,11101,,Consent provided,Web,2024-12-17,Closed with explanation,Yes,N/A,11180102: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.