so I contacted Synchrony after receiving a certified letter and made a payment arrangement for the XXXX XXXX account. I fell behind on the XXXX XXXX XXXX card but managed to come up with the overdue amount plus paid extra to bring the balance down. It was over {$700.00} and I made a {$400.00} payment to bring it down to I believe about {$320.00}

What the CFPB Record Shows About so I contacted Synchrony after receiving a certified letter and made a payment arrangement for the XXXX XXXX account. I fell behind on the XXXX XXXX XXXX card but managed to come up with the overdue amount plus paid extra to bring the balance down. It was over {$700.00} and I made a {$400.00} payment to bring it down to I believe about {$320.00}

so I contacted Synchrony after receiving a certified letter and made a payment arrangement for the XXXX XXXX account. I fell behind on the XXXX XXXX XXXX card but managed to come up with the overdue amount plus paid extra to bring the balance down. It was over {$700.00} and I made a {$400.00} payment to bring it down to I believe about {$320.00} has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. 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 I tr, and the most recent logged activity is I tried to, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, so I contacted Synchrony after receiving a certified letter and made a payment arrangement for the XXXX XXXX account. I fell behind on the XXXX XXXX XXXX card but managed to come up with the overdue amount plus paid extra to bring the balance down. It was over {$700.00} and I made a {$400.00} payment to bring it down to I believe about {$320.00} 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 "all I could see was a balance and a due date. When I logged into my online account for my Lowes card", and the single most common underlying issue is "I found that the closed accounts were linked to it. Again".

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 so I contacted Synchrony after receiving a certified letter and made a payment arrangement for the XXXX XXXX account. I fell behind on the XXXX XXXX XXXX card but managed to come up with the overdue amount plus paid extra to bring the balance down. It was over {$700.00} and I made a {$400.00} payment to bring it down to I believe about {$320.00}: 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.