Total complaints
1
Filed since The
2026 data Public-data reference. official source
so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again's complaint history from CFPB public records. 1 consumers have filed complaints since The . The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
The
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again complaint mix by product
- TJMaxx 1 100.0% – 0% relief
How so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| TJMaxx | 1 |
Top States
| State | Complaints |
|---|---|
| I had paid extra. The representative then argued with me about the interest and I asked what would happen if I closed the account and just made payments and I was told that I could not do that. I would have to pay the full amount or get sent to collections. I could not pay the full amount so I continued to make payments on the accounts. About XXXX of XXXX I was notified by letter that three of my Synchrony accounts would be closed | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| XXXX XXXX and Lowes Home Improvement. I purchased furniture in a buy one get one free promotion in XXXX of XXXX with my XXXX XXXX card. I had an issue with the television which was one of the free items and it later showed up as a charge on the account. I called Synchrony about this issue and they closed that account while investigating and gave me a new account | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again
so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again 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 The , and the most recent logged activity is The reason, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again 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 "TJMaxx", and the single most common underlying issue is "XXXX XXXX and Lowes Home Improvement. I purchased furniture in a buy one get one free promotion in XXXX of XXXX with my XXXX XXXX card. I had an issue with the television which was one of the free items and it later showed up as a charge on the account. I called Synchrony about this issue and they closed that account while investigating and gave me a new account".
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 and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again: 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.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again have?
so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again respond to complaints on time?
so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again has a 0% timely response rate to CFPB complaints.
What is the most common complaint about so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again?
The most common issue reported against so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again is "XXXX XXXX and Lowes Home Improvement. I purchased furniture in a buy one get one free promotion in XXXX of XXXX with my XXXX XXXX card. I had an issue with the television which was one of the free items and it later showed up as a charge on the account. I called Synchrony about this issue and they closed that account while investigating and gave me a new account" in the "TJMaxx" product category.
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