{"took":266,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":93,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7387915","_score":24.604193,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My issue is that Synchrony Bank  Lowes Credit Card is not living up to their advertising of purchase protection on item place on their credit card. I have repeatedly filled disputes which have been immediately closed with any investigating. \n\nOn the below dates I purchased Kitchen Cabinetry from LOWE 'S HOME CENTERS, XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX in the total amount of {$25000.00}. Of which {$7000.00} was placed on a Synchrony Bank Lowes Credit Card. \nXXXX Total amount {$23000.00} {$5000.00} Charged to Lowes Credit Card XXXX Total Amount {$2000.00} all of which charged to Lowes Credit Card The Kitchen Cabinetry had major defects on nearly every door and draw front. It also had numerous other defects. I brought the defects to the attention of Lowes starting XX/XX/XXXX. There has been an email chain exceeding 80 emails. I have provided in person evidence of the problems. 40 + photos. Lowes and the cabinet manufacturers made a site visit and acknowledged the issues and promised to resolve them. There have been countless promises to resolve the problems in person, verbally by 6 employees and in writing. I have spent countless hours documenting and providing information to Lowes and the credit card company. The last official response from the local store was on XXXX where XXXX XXXX stated they were contact with the vendor regarding compensation for the cabinets. And they look forward to getting this taken care of promptly In addition at the suggestion of Synchrony Bank I have made 3 complaints directly to Lowes Corporate see below. Again, lots of promises but no follow-up.\n\nSynchrony Bank Credit Card Disputes- Ignored In XXXX of XXXX I filed the 1st of 5 or 6 disputes with Synchrony Bank Lowes Credit Card for the amount of the cabinetry placed on their credit card. The first 4 disputes were closed stating that the Store was working with me to resolve the dispute. I repletely explained to Synchrony Bank that they were not and provided email documentation. Every time they closed the dispute, I would call them to explain that they were not working with me. They would say no problem and tell me to reopen the dispute. The last 2 times I reopened the dispute in XXXX and XXXX of XXXX they have closed them stating I have not provided any addition information. \nThey advertise their credit card to have purchase protection yet they are not even attempting to honor that or assist me in any kind of resolution. Please help. This is all just wrong. I dont have money to fight this with a lawyer but I will if I have to. \nXXXX XXXX XXXX Corporate Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employee # XXXX XXXX","date_sent_to_company":"2023-08-11T20:11:12.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"21060","tags":null,"has_narrative":true,"complaint_id":"7387915","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-08-11T18:45:05.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX Total <em>amount</em> {$23000.00} {$5000.00} <em>Charged</em> to <em>Lowes</em> <em>Credit</em> Card XXXX Total <em>Amount</em> {$2000.00} all of which <em>charged</em> to <em>Lowes</em> <em>Credit</em> Card The Kitchen Cabinetry had major defects on nearly every door and draw front. It also had numerous other defects. I brought the defects to the attention of <em>Lowes</em> starting XX/XX/XXXX. There has been an email chain exceeding 80 emails. I have provided in person evidence of the problems. 40 + photos."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[24.604193,"7387915"]},{"_index":"complaint-public-v1","_id":"6610862","_score":24.267952,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Re : Synchrony Bank On XX/XX/XXXX I purchased cabinets from Lowes in the amount of {$6600.00} using my Lowes credit card through Synchrony bank. Lowes had a promotional interest rate of 7.99 % that is charged monthly for 5 years or until it is paid off. \n\nI purchased a ( one ) dishwasher on XX/XX/XXXX for {$560.00}. Interest is deferred until XX/XX/XXXX. I had a change of delivery date. I was told that the order would have to be cancelled in order to change the date. So on XX/XX/XXXX there were two charges for the amount of {$560.00} when there should be just one charge on my statement. \n\nI have asked Synchrony why there are two charges, and their agents say that even though the charge appears twice it has only been charged once : why is it showing twice then? \n\nI have repeated asked Synchrony via phone to apply the payments we have sent to the dishwasher balance and then towards other payments where the promotional, interest free period is due to expire. \n\nTo date, Synchrony has been applying all payments to the larger balance that is not expiring for 5 years nothing has been applied to the dishwasher yet. We have been paying {$500.00} to XXXX per month since XXXX of XXXX and the balance for the dishwasher should have been paid off by now. I have called Synchrony each month for the last 6 months and each time their agent says the funds will be applied as I have requested : but never have the funds been applied as I asked or expected.","date_sent_to_company":"2023-02-25T03:46:18.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"43065","tags":null,"has_narrative":true,"complaint_id":"6610862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-02-25T02:41:42.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Re : <em>Synchrony</em> Bank On XX/XX/XXXX I purchased cabinets from <em>Lowes</em> in the <em>amount</em> of {$6600.00} using my <em>Lowes</em> <em>credit</em> card through <em>Synchrony</em> bank. <em>Lowes</em> had a promotional interest rate of 7.99 % that is <em>charged</em> monthly for 5 years or until it is paid off. \n\nI purchased a ( one ) dishwasher on XX/XX/XXXX for {$560.00}. Interest is deferred until XX/XX/XXXX. I had a change of delivery date. I was told that the order would have to be cancelled in order to change the date."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> card"]},"sort":[24.267952,"6610862"]},{"_index":"complaint-public-v1","_id":"5297027","_score":23.98403,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased a XXXX range  in early XX/XX/XXXX using a just openned Lowes/Synchrony credit card. A couple of months went by and as I checked Lowes to regarding the purchase, I discovered that the range I had ordered was not available, thus I cancelled the purchase order. \n\nIn the meantime, I had paid, in-full, the amount charged ( {$1100.00} ) to my Lowes/Synchrony credit card ; I sent a check in that amount dated XX/XX/XXXX. Following my cancelation of the order, I made numerous calls to the many numbers provided by XXXX and Synchrony regarding the refund of my {$1100.00}. \n\nIn XXXX Loewes/Synchrony issued a check to me in the amount of {$950.00} for the appliance. However, when I made this purchase, I included and paid for a Lowe 's 5-year extended warranty. This amount was not broken out in the billing statement I received from Lowes/Synchrony, but appears in the receipt at a price of {$150.00}. I have not received the return of this un-used ( no appliance, no need to warrant ) 5-year extended warrant amount 0f {$150.00}. \n\nI would appreciate any assistance your can provide in the recovery of the {$150.00}. \n\nP.S. after having some CFPB problems yesterday ( XX/XX/XXXX ), I called again today to try again for some help. I got your wonderful customer service rep called XXXX ( after XXXXXXXX XXXX former prime minister XXXX XXXX ). The review logged off before I could give him a 5-star review. He was so kind, patient and helpful ; bravo XXXX!","date_sent_to_company":"2022-03-25T14:22:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"19958","tags":null,"has_narrative":true,"complaint_id":"5297027","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-03-08T14:35:53.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I purchased a XXXX range  in early XX/XX/XXXX using a just openned <em>Lowes</em>/<em>Synchrony</em> <em>credit</em> card. A couple of months went by and as I checked <em>Lowes</em> to regarding the purchase, I discovered that the range I had ordered was not available, thus I cancelled the purchase order. \n\nIn the meantime, I had paid, in-full, the <em>amount</em> <em>charged</em> ( {$1100.00} ) to my <em>Lowes</em>/<em>Synchrony</em> <em>credit</em> card ; I sent a check in that <em>amount</em> dated XX/XX/XXXX."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[23.98403,"5297027"]},{"_index":"complaint-public-v1","_id":"5920822","_score":23.4976,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Synchrony Bank Charged off my Account XX/XX/XXXX with an Incorrect Balance {$11000.00}. due to their Error. \nThe Error was made in XX/XX/XXXX while my Dispute was open, but never corrected. \nIn a letter from Synchrony Bank dated XX/XX/XXXX they stated that they identified their error, and that I would receive a Refund or Credit including the Disputed amount. \nLater, in a follow up letter dated XX/XX/XXXX from Synchrony Bank, XXXX XXXX, Sr Specialist, Corporate Relations she states the credit was applied to my closed Lowes Credit Card Account, and that amount did not include the Disputed Purchase Amount. \nI have tried contacting her at the number and extension on that letter, but she has not answered or returned any of my phone calls.","date_sent_to_company":"2022-08-26T15:38:01.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"5920822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-08-26T14:50:20.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Later, in a follow up letter dated XX/XX/XXXX from <em>Synchrony</em> Bank, XXXX XXXX, Sr Specialist, Corporate Relations she states the <em>credit</em> was applied to my closed <em>Lowes</em> <em>Credit</em> Card Account, and that <em>amount</em> did not include the Disputed Purchase <em>Amount</em>. \nI have tried contacting her at the number and extension on that letter, but she has not answered or returned any of my phone calls."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Charged</em> too much interest"]},"sort":[23.4976,"5920822"]},{"_index":"complaint-public-v1","_id":"12322904","_score":23.463266,"_source":{"product":"Debt collection","complaint_what_happened":"We were contacted by Synchrony bank with regards to Lowes credit card. We were then contacted by a credit collection bureau and we explained discrepancies in amount. Also explained Synchrony had charged off the amount as a bad debt and closed the account. Also explained only income received is protected. They said they would return the account to Synchrony with that information. Synchrony forwarded the account to XXXX XXXX XXXX XXXX XXXX XXXX for legal action. The attorney is aware of a cease and desist notice on the account but the attorneys contacted me in writing anyway. They were told about the only type of income received but they didn't care. They told me about the cease and desist but notified me with regards to the bill without regards to the no contact information. Then tried to force a payment arrangement. Synchrony Bank and XXXX XXXX XXXXXXXX were both aware of the no contact with regards to this account.","date_sent_to_company":"2025-03-05T23:01:35.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"46131","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"12322904","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-03-05T22:32:22.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["We were contacted by <em>Synchrony</em> bank with regards to <em>Lowes</em> <em>credit</em> card. We were then contacted by a <em>credit</em> collection bureau and we explained discrepancies in <em>amount</em>. Also explained <em>Synchrony</em> had <em>charged</em> off the <em>amount</em> as a bad debt and closed the account. Also explained only income received is protected. They said they would return the account to <em>Synchrony</em> with that information. <em>Synchrony</em> forwarded the account to XXXX XXXX XXXX XXXX XXXX XXXX for legal action."],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["<em>Credit</em> card debt"]},"sort":[23.463266,"12322904"]},{"_index":"complaint-public-v1","_id":"7843081","_score":23.303204,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I opened an account with Lowes. Used the card at the local Lowes store. Never received a bill from Lowes. Received a collection letter from Synchrony Bank who apparently runs the Lowes credit card saying I never paid the bill of approximately XXXX. The charged be twice that amount in late fees. When I inquired with Lowes as to why I never received a bill. They informed me that the e mailed the bill to my email. I never requested e billing. So as soon I I received the collection notice from Synchrony Bank I paid the entire balance. Synchronicity issued a negative report to the credit bureaus that resulted in a dramatic drop in my credit score. I purchased furniture from a local retailer last year and the same thing happened. Turns out Synchony was also the credit card issuer for this store as well. Bottom line is Synchony Banks deceptive practice of forcing e billing on consumers without notification and their aggressive collection reporting is harming senior citizens like myself and needs to be stopped.","date_sent_to_company":"2023-11-27T15:57:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"15001","tags":"Older American","has_narrative":true,"complaint_id":"7843081","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-11-13T12:21:11.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I opened an account with <em>Lowes</em>. Used the card at the local <em>Lowes</em> store. Never received a bill from <em>Lowes</em>. Received a collection letter from <em>Synchrony</em> Bank who apparently runs the <em>Lowes</em> <em>credit</em> card saying I never paid the bill of approximately XXXX. The <em>charged</em> be twice that <em>amount</em> in late fees. When I inquired with <em>Lowes</em> as to why I never received a bill. They informed me that the e mailed the bill to my email. I never requested e billing."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["<em>Credit</em> reporting"]},"sort":[23.303204,"7843081"]},{"_index":"complaint-public-v1","_id":"12723050","_score":23.199865,"_source":{"product":"Credit card","complaint_what_happened":"I chatted with a live agent, XXXX, at Synchrony Credit Co. representing a Lowes credit card in regards to an interest charged after I had paid off my card. They said since I paid the card off after the due date, even though the company had received the authorized payment on time, interest was charged because the full amount was paid after the due date.","date_sent_to_company":"2025-04-02T15:59:09.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"78130","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"12723050","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-03-29T15:19:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["I chatted with a live agent, XXXX, at <em>Synchrony</em> <em>Credit</em> Co. representing a <em>Lowes</em> <em>credit</em> card in regards to an interest <em>charged</em> after I had paid off my card. They said since I paid the card off after the due date, even though the company had received the authorized payment on time, interest was <em>charged</em> because the full <em>amount</em> was paid after the due date."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[23.199865,"12723050"]},{"_index":"complaint-public-v1","_id":"6122277","_score":23.164108,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In response to a letter I received from Synchrony Bank dated XX/XX/XXXX in reference to a previous Dispute regarding my Lowes Credit Card ; I contacted Synchrony Customer Care at the number provided XXXX. \nI spoke with Synchrony Bank Representative, XXXX in XX/XX/XXXX. \nHe informed me that my previous Dispute for purchase amount XXXX was found in my favor on XX/XX/XXXX and credited to my CLOSED Lowes Credit Card Account ending XXXX. \nPreviously on XX/XX/XXXX, I received a letter from Synchrony Bank stating they had identified an error in the resolution of my previous dispute from XX/XX/XXXX, and that they credited my CLOSED account XXXX including the amount of the Dispute, ( XXXX, XXXX ) I was informed by Synchrony bank representative over the phone on XX/XX/XXXX that I would be receiving this information in writing via XXXX Mail regarding the Dispute resolution on XX/XX/XXXX within XXXX to XXXX business days. \nI have not received that Information. \nAdditionally, after I received my XX/XX/XXXX account statement due date XX/XX/XXXX ( Synchrony Bank would not accept my payment online or over phone ) my account was charged off XX/XX/XXXX with an incorrect balance of XXXX, XXXX. \nSince the Account was closed in error, and the credit was not made while the account was OPEN, the amount in error including the Disputed amount XXXX, XXXX plus interest and fees should be Refunded to me in Full.","date_sent_to_company":"2022-10-24T15:30:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"6122277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-10-24T14:12:03.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In response to a letter I received from <em>Synchrony</em> Bank dated XX/XX/XXXX in reference to a previous Dispute regarding my <em>Lowes</em> <em>Credit</em> Card ; I contacted <em>Synchrony</em> Customer Care at the number provided XXXX. \nI spoke with <em>Synchrony</em> Bank Representative, XXXX in XX/XX/XXXX. \nHe informed me that my previous Dispute for purchase <em>amount</em> XXXX was found in my favor on XX/XX/XXXX and <em>credited</em> to my CLOSED <em>Lowes</em> <em>Credit</em> Card Account ending XXXX."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[23.164108,"6122277"]},{"_index":"complaint-public-v1","_id":"2557495","_score":23.004896,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I made a purchase on XXXX at XXXX in XXXX XXXX XXXX XXXXXXXX Illinois for new Counter Tops as well as other home improvement items. The purchase amount was for {$3900.00}. Synchrony ( Through Lowes ) was offering promotional APR of 5.99 % for 84 months with a fixed payment which would ensure the purchase would be paid off within 84 months. In reviewing my statement this month I identified that due to an error by either the Lowes store or Synchrony Bank this promotional APR was not applied to my account and Synchrony has been charging my account interest on the purchase at an APR of 24.99 %. To date they have over billed me in excess of {$1000.00} in interest charges. I contacted Synchrony to ask that they remedy the situation by crediting my account for the over charged interest and move the remaining balance to the correct interest rate for the remaining life of the promotion. The agent I spoke with acknowledged that there was likely an error by Lowes when ringing up the purchase and also acknowledged that I had taken advantage of this promotion previously on another purchase which seemed to corroborate my explanation that I should have received the 5.99 % promotion. After speaking with an agent and her supervisor they both refused to honor the promotion. They informed me that I needed to reach out to Lowes and get a copy of the original receipt and have the store re-ring the purchase so they could make the adjustments. I expressed my dissatisfaction with this because it should not be my responsibility to fix a mistake caused by Synchrony or Lowes ( Their 3rd Party Provider ) and  require me to drive 30 minutes from home to a store to do so. But regardless, I reached out to Lowes.  They have not sent me the requested receipt and the phone agent from Lowes indicated that even with it the store would not be able to do what the Synchrony Reps suggested. At this point I am still looking for Synchrony to honor the terms offered to me which I accepted.","date_sent_to_company":"2017-06-23T19:49:18.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"60051","tags":null,"has_narrative":true,"complaint_id":"2557495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-06-23T19:21:40.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I contacted <em>Synchrony</em> to ask that they remedy the situation by <em>crediting</em> my account for the over <em>charged</em> interest and move the remaining balance to the correct interest rate for the remaining life of the promotion."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"]},"sort":[23.004896,"2557495"]},{"_index":"complaint-public-v1","_id":"7584197","_score":22.936605,"_source":{"product":"Credit card","complaint_what_happened":"I'm writing to specifically dispute a charge off by Synchrony Bank for a charge on a Lowe 's credit purchase, based on a mistake by a Lowes sales associate, WHICH LOWE 'S HAS FULLY ACKNOWLEDGED! \n\nI bought a XXXX refrigerator in XX/XX/XXXX and returned it within the 30-day return window in XX/XX/XXXX. The refrigerator was picked up by Lowes free of charge, but the Lowes sales associate apparently failed to also return the accompanying 5-year warranty and did not give me a receipt for the return. Apparently the cost of the warranty and subsequent late charges remain on my now closed account. ( I say apparently because exactly what I was charged for and the initial amount I was charged kept changing. ) I made SEVERAL calls, returned to Lowe 's in person on many occasions, and in the spring of XXXX on one occasion, a Lowes rep from their Extended Protection Policy department tried to have the charge removed in a 3-way call between me, the Lowe 's rep and a rep from Synchrony Bank . In that conversation the Synchrony rep told me my dispute was denied for reasons she could not articulate at which point I hung up. \n\nAfter discovering the charge off when applying for a car loan, I sent an email earlier this year in XXXX to a number of Lowe 's and Synchrony executives. This supposedly resulted in an investigation by Synchrony Bank Senior SpecialisXXXX, XXXX XXXX, who sent a formal letter informing me that the charge remains on my account because their records show that Lowe 's \" processed a refund '' in the form of a check, which is simply not true.\n\nI received letters from Synchrony Bank informing me that I had to contact Lowe 's 'EPP ' department regarding a refund of the warranty, which I did on TOO MANY OCCASIONS TO COUNT! Each time I was told there was no record of any refund and I had to contact Synchrony. In any case, I HAVE NEVER RECEIVED A CHECK FROM LOWE 'S OR SYNCHRONY BANK IN ANY AMOUNT - EVER! And if the \" processed refund '' was in the form of a credit, A CREDIT IN ANY AMOUNT OTHER THAN THE PRICE OF THE REFRIGERATOR HAS NEVER APPEARED ON MY BILLING STATEMENT - EVER! \n\nIn fact, the on duty manager of the Lowe 's store in question spoke to a supervisor in the Extended Protection Policy ' dept. in the spring of XXXX, ( because I was told by a Lowe 's rep on the phone that I could not contact an 'Extended Protection Policy ' Supervisor ; that I had to go to the original point of contact - again - and ask a manager to follow up on any \" processed refund '' ). That supervisor, XXXX XXXX XXXX ' told us that my account showed no record of any check or EPP refund being processed.\n\nFurthermore, according to the copies of the Lowe 's billing statement I've attached, I was actually charged for \" deferred interest, '' not a warranty, and of course I shouldn't have been charged interest in the first place because the refrigerator was returned. ( In the letter sent to me by XXXX XXXX, the amount of the phantom \" processed refund '' of {$270.00} differs from the actual cost of the 5-yr warranty I purchased, which was {$220.00}. In fact, the amount I was charged on various billing statements- with or without late charges - fluctuated, making it impossible for the four different Lowe 's managers I met with at various times to determine exactly what I was being charged for. ) And please note, in an additional Synchrony Bank letter also attached, Synchrony doesn't state exactly what I was charged for and instead offers varying explanations for the charge - none of which applied in this case. ( However in one copy of a billing statement, also attached, {$270.00} is in fact listed as deferred interest. ) And again, to be clear, according to letters from Synchrony I needed to call Lowe 's at the number provided in its letters to ask about the refund 'their records show was processed. ' But IN EACH AND EVERY CALL TO LOWE 'S I was told there was no record of any such refund and I needed to contact Synchrony Bank. ( Minus my final call during which the Lowe 's rep informed me that only the store manager could speak to a supervisor, hence the in-store call to XXXX XXXX ' ) Bottom line here - an error by one Lowe 's sales associate has been immeasurably compounded by Synchrony Bank and become a protracted, outrageously agonizing and ultimately very costly burden on me.","date_sent_to_company":"2023-09-22T03:28:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7584197","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-09-22T01:00:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Each time I was told there was no record of any refund and I had to contact <em>Synchrony</em>. In any case, I HAVE NEVER RECEIVED A CHECK FROM LOWE 'S OR <em>SYNCHRONY</em> BANK IN ANY <em>AMOUNT</em> - EVER! And if the \" processed refund '' was in the form of a <em>credit</em>, A <em>CREDIT</em> IN ANY <em>AMOUNT</em> OTHER THAN THE PRICE OF THE REFRIGERATOR HAS NEVER APPEARED ON MY BILLING STATEMENT - EVER!"],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[22.936605,"7584197"]},{"_index":"complaint-public-v1","_id":"5835357","_score":22.931156,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was Incorrectly billed during the Dispute process ( XX/XX/XXXX ) on my Lowes Credit Card.\n\nThe Error was to be corrected by Refunding me the Over Charged Interest and Disputed Purchase Amount ; according to the XX/XX/XXXX letter from Synchrony Bank. \nI have not received any Refund.","date_sent_to_company":"2022-08-02T13:20:01.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"5835357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-08-02T13:03:24.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["I was Incorrectly billed during the Dispute process ( XX/XX/XXXX ) on my <em>Lowes</em> <em>Credit</em> Card.\n\nThe Error was to be corrected by Refunding me the Over <em>Charged</em> Interest and Disputed Purchase <em>Amount</em> ; according to the XX/XX/XXXX letter from <em>Synchrony</em> Bank. \nI have not received any Refund."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Charged</em> too much interest"]},"sort":[22.931156,"5835357"]},{"_index":"complaint-public-v1","_id":"3922214","_score":22.713835,"_source":{"product":"Debt collection","complaint_what_happened":"I owe Synchrony Bank a debt due to a Lowes credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to XXXX  XXXX  who has now been charged with collecting payment. I have asked XXXX  XXXX  for billing statements detailing the amount owed. They, XXXX  XXXX, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with Synchrony Bank who stated they do have the records but will only send them to XXXX  XXXX.","date_sent_to_company":"2020-10-27T22:54:45.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"71291","tags":"Servicemember","has_narrative":true,"complaint_id":"3922214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2020-10-27T22:54:42.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I owe <em>Synchrony</em> Bank a debt due to a <em>Lowes</em> <em>credit</em> loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to XXXX  XXXX  who has now been <em>charged</em> with collecting payment. I have asked XXXX  XXXX  for billing statements detailing the <em>amount</em> owed. They, XXXX  XXXX, have refused to send records prior to XXXX. I believe they are misrepresenting the <em>amount</em> I owe which is the reason behind their refusal."],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["<em>Credit</em> card debt"],"sub_issue":["Attempted to collect wrong <em>amount</em>"]},"sort":[22.713835,"3922214"]},{"_index":"complaint-public-v1","_id":"4052449","_score":22.673601,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I sent a check for my Lowes credit card to Synchrony Bank on XX/XX/XXXX in the amount of {$700.00}, which was the full amount due on the statement. On XX/XX/XXXX, I received an email from Synchrony Bank that I was delinquent on my account and that I was being charged late fees and interest. I spent 10 minutes trying to get past Synchrony 's automated \" customer service '' and then another 30 minutes waiting on hold before I finally gave up. With no idea of how long it would take to ever get the issue corrected, I cancelled the check ( {$35.00} fee ), paid the late fee, interest and amount due online, and then cancelled my account. I believe Synchrony is operating in bad faith. Trying to unfairly charge customers for late fees and additional interest payment, and then hiding behind an impenetrable, everlasting delay to speak with a live representative.","date_sent_to_company":"2021-01-06T22:18:34.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"194XX","tags":null,"has_narrative":true,"complaint_id":"4052449","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-01-06T22:06:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I sent a check for my <em>Lowes</em> <em>credit</em> card to <em>Synchrony</em> Bank on XX/XX/XXXX in the <em>amount</em> of {$700.00}, which was the full <em>amount</em> due on the statement. On XX/XX/XXXX, I received an email from <em>Synchrony</em> Bank that I was delinquent on my account and that I was being <em>charged</em> late fees and interest. I spent 10 minutes trying to get past <em>Synchrony</em> 's automated \" customer service '' and then another 30 minutes waiting on hold before I finally gave up."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"]},"sort":[22.673601,"4052449"]},{"_index":"complaint-public-v1","_id":"14742574","_score":22.50912,"_source":{"product":"Credit card","complaint_what_happened":"I applied for a Lowes credit card through Synchrony bank to use to purchase an expensive {$8000.00} oven. I understood that the promotion provided interest free financing for one year and then I would start to be charged interest. Although an astronomical amount of interest ( 39 % ), at no time was I made aware that ALL of the years prior interest would be charged at one time in a lump sum as an aggregated amount. I make my living as a banker and this was not clear to me. I find it incredibly offensive that the overseeing agencies of credit cards would allow for such a fraudulent offering to be made to the public ; theses terms were NOT clear to me and I am banking professional. So I am not sure how the govt agencies expect the average person to understand these types of terms. I was expecting to start to be charged a very high interest rate and I was intending to pay it off when I was able to to get to it, not to be given a full lump sum of back interest to be paid!!! This is unbelievable that any bank is allowed to set up this kind of agreement. You are legitimizing a legal scam by Lowes and Synchrony bank. I called Synchrony and explained that this was not clear and they said there is nothing they can do for me and I better start paying. I just want to pay this off and pay a few months of interest since my offer expired in XXXX. I expect that I would pay 36.99 % for 2 months not {$2600.00} in accumulative interest. The oven is actually costing more than I paid for it. How is this kind of program protecting the American people? This is horrific!","date_sent_to_company":"2025-08-01T16:38:44.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"14742574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-07-18T16:49:35.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I applied for a <em>Lowes</em> <em>credit</em> card through <em>Synchrony</em> bank to use to purchase an expensive {$8000.00} oven. I understood that the promotion provided interest free financing for one year and then I would start to be <em>charged</em> interest. Although an astronomical <em>amount</em> of interest ( 39 % ), at no time was I made aware that ALL of the years prior interest would be <em>charged</em> at one time in a lump sum as an aggregated <em>amount</em>. I make my living as a banker and this was not clear to me."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> card"]},"sort":[22.50912,"14742574"]},{"_index":"complaint-public-v1","_id":"3121881","_score":22.451456,"_source":{"product":"Debt collection","complaint_what_happened":"I received a notice that I am being sued for debt collection by XXXX XXXX XXXX XXXX on a closed/and or charged off amount on a Synchrony Bank (Lowes) credit card and must respond/appear in court in 19 days. I have been disabled by a judge and only receive Disability benefits and cannot drive to appear in court, Account opened in XX/XX/XXXX,state of Texas, amount $XXXX. Any advice on this matter is appreciated,","date_sent_to_company":"2019-01-10T23:23:16.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"75771","tags":null,"has_narrative":true,"complaint_id":"3121881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-01-10T21:13:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I received a notice that I am being sued for debt collection by XXXX XXXX XXXX XXXX on a closed/and or <em>charged</em> off <em>amount</em> on a <em>Synchrony</em> Bank (<em>Lowes</em>) <em>credit</em> card and must respond/appear in court in 19 days. I have been disabled by a judge and only receive Disability benefits and cannot drive to appear in court, Account opened in XX/XX/XXXX,state of Texas, <em>amount</em> $XXXX. Any advice on this matter is appreciated,"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["<em>Credit</em> card debt"]},"sort":[22.451456,"3121881"]},{"_index":"complaint-public-v1","_id":"2557882","_score":22.341208,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had spoken to a representative back in the fall of XXXX and this is where my journey with Lowes Credit and Synchrony bank started. I learned, that unless I hit a particular setting within there website, my payments would not pay off interest free promotions first. The representative I spoke to fixed one HUGE purchase interest issue, but instructed me to call back when I had time to look into older promo 's, in which interest was charged incorrectly because of promo 's not paid correctly. I did call back in late XXXX XXXX or early XXXX XXXX and the rep I spoke to put me on hold and told me, I should be credited back over {$1100.00} in old interest for promo 's not credited properly. Ive now gone back and forth with Lowes and Synchrony over this and while they credited me back interest for a couple months, as a courtesy, they never completed the amount to pay me back in older interest charged incorrectly. I was told by a rep on a chat line that as another courtesy, they would credit me back interest from my XXXX and XXXX or XXXX XXXX statements, and this not only never occurred, Lowes is refusing to look into this issue. Ive loved shopping at Lowes, love their credit promos and I continue to use them, but I think I should get at least these 2 months interest credited back as promised","date_sent_to_company":"2017-06-24T14:55:51.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"14075","tags":null,"has_narrative":true,"complaint_id":"2557882","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-06-24T14:47:27.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I did call back in late XXXX XXXX or early XXXX XXXX and the rep I spoke to put me on hold and told me, I should be <em>credited</em> back over {$1100.00} in old interest for promo 's not <em>credited</em> properly. Ive now gone back and forth with <em>Lowes</em> and <em>Synchrony</em> over this and while they <em>credited</em> me back interest for a couple months, as a courtesy, they never completed the <em>amount</em> to pay me back in older interest <em>charged</em> incorrectly."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"]},"sort":[22.341208,"2557882"]},{"_index":"complaint-public-v1","_id":"7522986","_score":21.730305,"_source":{"product":"Credit card","complaint_what_happened":"I have been disputing multiple charges for my purchase with Lowes last XX/XX/2023. The charge amounting to {$1600.00} was not accurate, as I was overcharged by {$1200.00}. I have already provided my receipt which clearly shows the difference between my balance due and what was charged to my credit card, but Synchrony has repeatedly rejected my dispute without any explanation as to why my documentation was not accepted.","date_sent_to_company":"2023-09-08T13:25:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"7522986","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-09-08T13:10:33.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have been disputing multiple charges for my purchase with <em>Lowes</em> last XX/XX/2023. The charge <em>amounting</em> to {$1600.00} was not accurate, as I was overcharged by {$1200.00}. I have already provided my receipt which clearly shows the difference between my balance due and what was <em>charged</em> to my <em>credit</em> card, but <em>Synchrony</em> has repeatedly rejected my dispute without any explanation as to why my documentation was not accepted."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[21.730305,"7522986"]},{"_index":"complaint-public-v1","_id":"18261658","_score":21.681616,"_source":{"product":"Credit card","complaint_what_happened":"I returned an item I bought with my lowes credit card on XX/XX/year>. The return of the item was a total of {$150.00}. After the return of the item my account balance was XXXX as I had paid off the card of all charges and was at a XXXX balance prior to returning. I requested the bank to then issue me a check for that amount and close my account. I wanted to close my account because when I initiated my Lowes Synchrony account my mailbox was broken into and the card was stolen. This lead to multiple fraud charges that have since been proven and the suspect was arrested with my Lowes card in their possession. Being that I didnt have my Lowes card I was using the temporary barcode that was sent via email to purchase items. At the time of XX/XX/year> that barcode had expired and I did not have in possession a Lowes card. As stated already I had paid 100 % of what I bought on this account off prior to entering the store with my return. I spoke with upwards of 12 people since due to my account suddenly owing XXXX. I have spent several hours of my time explaining how this is impossible and demanding an investigation to be done on this. I have also had several supervisors admit to me on a recorded line that no I do not owe this money and that it would be removed from my account as it was an issue that had happened in the store XX/XX/year>. Something had happened that the return was later charged back onto the card and being that I was sent the refund check for that amount XX/XX/year> their system flagged it as now I owed this amount. Since then I have had the amount removed for a short period of time but it seems to always return. I want this to end and I want to never hear from Synchrony again. I have already boycotted Lowes due to this issue.","date_sent_to_company":"2025-12-23T22:54:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"95610","tags":null,"has_narrative":true,"complaint_id":"18261658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-23T22:34:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Something had happened that the return was later <em>charged</em> back onto the card and being that I was sent the refund check for that <em>amount</em> XX/XX/year> their system flagged it as now I owed this <em>amount</em>. Since then I have had the <em>amount</em> removed for a short period of time but it seems to always return. I want this to end and I want to never hear from <em>Synchrony</em> again. I have already boycotted <em>Lowes</em> due to this issue."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["Card was <em>charged</em> for something you did not purchase with the card"]},"sort":[21.681616,"18261658"]},{"_index":"complaint-public-v1","_id":"18673114","_score":21.63339,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I was charged {$15.00} of interest by Synchrony Bank on my MyLowes Rewards Credit Card account. I contacted Synchrony Bank on XX/XX/year>, to dispute this accrual charge. My account has a promotional balance ( no interest charged if paid within 12 months if minimum monthly payments are made ), and a non-promotional balance. I expected my payments to be towards any non-promotional balances. The Synchrony Bank chat representative I was connected with and messaged, XXXX, informed me that my payments were being split between my promotional and non-promotional balances, and that I had to opt-in to having my payments be allocated in such a way as to avoid incurring interest. I am concerned that is this is intentional malpractice on the part of Synchrony Bank to accrue interest on accounts that would otherwise not generate any. I have been paying far beyond the minimum required payment amount each month, with the exception of this past month wherein I only paid the minimum. XXXX said there was no process for reversing an interest accrual charge, but provided me with the name and contact information for this government agency and with the information on how to contact a manager at Synchrony Bank, both at my request.","date_sent_to_company":"2026-01-13T05:22:52.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"75081","tags":null,"has_narrative":true,"complaint_id":"18673114","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-13T04:59:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I was <em>charged</em> {$15.00} of interest by <em>Synchrony</em> Bank on my My<em>Lowes</em> Rewards <em>Credit</em> Card account. I contacted <em>Synchrony</em> Bank on XX/XX/year>, to dispute this accrual charge. My account has a promotional balance ( no interest <em>charged</em> if paid within 12 months if minimum monthly payments are made ), and a non-promotional balance. I expected my payments to be towards any non-promotional balances."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Charged</em> too much interest"]},"sort":[21.63339,"18673114"]},{"_index":"complaint-public-v1","_id":"10523502","_score":21.544548,"_source":{"product":"Checking or savings account","complaint_what_happened":"I own a retail establishment that offers a store credit card to my customers. Synchrony bank is the company that processes these transactions and distributes funds to my bank while charging the transaction amount to the customer ( they receive a credit card with the amount of the transaction charged to it ). On XX/XX/year>, I logged into my client portal on the synchrony website and processed a transaction for {$1800.00}. The transaction was approved, the approval page loaded showing the approval and authorization number. On XX/XX/year> I received a letter in the mail from Synchrony stating that \" Synchrony Bank will no longer offer consumer financing and credit card processing to you location effective XX/XX/year> ''. When I contacted synchrony bank inquiring about the letter and the funds that have yet to be deposited, they informed me that they closed the account due to lack of activity and will not honor the transaction because they stopped servicing my account on the same day the transaction was made. I am fine with the low activity closing of the account but at the time of the transaction, I was not made aware that the account would be closing. I assumed the traction was approved, thus services were paid for and the transaction between me and my customer was finalized. XXXX will not deposit the funds into my bank account.","date_sent_to_company":"2024-10-21T21:04:34.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"28227","tags":"Servicemember","has_narrative":true,"complaint_id":"10523502","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-10-21T20:32:44.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I own a retail establishment that offers a store <em>credit</em> card to my customers. <em>Synchrony</em> bank is the company that processes these transactions and distributes funds to my bank while charging the transaction <em>amount</em> to the customer ( they receive a <em>credit</em> card with the <em>amount</em> of the transaction <em>charged</em> to it ). On XX/XX/year>, I logged into my client portal on the <em>synchrony</em> website and processed a transaction for {$1800.00}."],"company":["<em>SYNCHRONY</em> FINANCIAL"]},"sort":[21.544548,"10523502"]},{"_index":"complaint-public-v1","_id":"10408192","_score":21.484957,"_source":{"product":"Credit card","complaint_what_happened":"I made XXXX large purchases on my Lowes credit card/Synchrony one on XX/XX/XXXX for {$14000.00} and one on XX/XX/XXXX for {$6700.00}. I made a payment on XX/XX/XXXX in the amount of {$22000.00} but was charged {$360.00} in interest. I was told that I should have received a noticed that they are changing the billing cycle. I did not receive this notice they supposably sent out. I have my card set up for automatic payment, but they claim it doesn't matter. I am unjustly being assessed interest on less than a 30 day period based on their proposed billing cycles. This is a predatory lending practice without prior notification. I tried to get the interest removed with no results, so I closed the card. I have excellent credit and pay my bills timely, but this is an unfair practice that needs to be addressed. I will pay the interest so my credit isn't affected but I would ask for your help to stop this ridiculous practice by Synchrony and Lowes.","date_sent_to_company":"2024-10-10T22:57:26.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"80211","tags":"Older American","has_narrative":true,"complaint_id":"10408192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-10-10T22:31:33.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["I made XXXX large purchases on my <em>Lowes</em> <em>credit</em> card/<em>Synchrony</em> one on XX/XX/XXXX for {$14000.00} and one on XX/XX/XXXX for {$6700.00}. I made a payment on XX/XX/XXXX in the <em>amount</em> of {$22000.00} but was <em>charged</em> {$360.00} in interest. I was told that I should have received a noticed that they are changing the billing cycle. I did not receive this notice they supposably sent out. I have my card set up for automatic payment, but they claim it doesn't matter."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Charged</em> too much interest"]},"sort":[21.484957,"10408192"]},{"_index":"complaint-public-v1","_id":"3476590","_score":21.385342,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Synchrony Strikes again! This is the singularly most CORRUPT financial provider EVER. \n\nOn my Lowes account, I had a promotional balance as of XX/XX/2019 statement of {$1200.00}. My promotional balance expires on XX/XX/2019. \n\nOn XX/XX/2019 I paid {$300.00} and per Synchrony Bank written policy, \" during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' My {$300.00} payment was applied to THREE different balances, this is WRONG. Per your policy, the {$300.00} should have all gone to the expiring promotion of {$1200.00} On XX/XX/2019 - when my promotion was expiring, I paid {$900.00} and again per your policy, this entire amount should have gone to my EXPIRING promotion. \n\nAs an added insult to injury, Synchrony CONVENIENTLY TO THEIR BENEFIT failed to include my {$900.00} payment THAT WAS POSTED IN MY PAYMENT HISTORY effective XX/XX/2019 on my cycling statement. \n\nBy doing this Synchrony WRONGLY enriched themselves with {$970.00} of UNEARNED INTEREST. \n\nBy violating its own written policy for payment allocation during a month in which a promotion expired, and wrongly allocating my payment, while small in dollar amount, that in effect still makes my {$1200.00} balance not paid in full, and by first telling me I would be credited {$970.00} in finance charges, again Synchrony continues to enrich itself by allowing my balance to carry over into another billing cycle and again reaping unearned interest.\n\nMy account is quite clear. I now have 3 promotional balances, and 1 posted non promotional balance, which I will be paying the non promotional in full BEFORE the next billing comes due, which I will call in and make sure the highest manager possible posts it correctly. \n\nSynchrony needs to COMPLETELY re-age my account, take it BACK to before the WRONGLY CHARGED deferred interest was charged. You scare the living XXXX out of me when I am told \" we need to reallocate all your balances and payments '' - you have extremely creative math to the detriment of the consumer. \n\nI am copying this absolutely abominable, inexcusable error to the Executive Leadership at Lowes Corporation, to once  again implore them to STOP using you for their financial services. Consumers rely on the ability to make large purchases and defer any interest/final payoff. The average consumer, sadly, does not mind their statements as much as some of us, or are sadly aware of your underhanded tactics. This is an ultimate harm to the Lowes Consumer, and I am sure Lowes does not want to deter consumers from shopping in their stores. \n\nI have asked the CFPB before, and ask again, Synchrony Bank needs to be closely monitored for failure to supervise their fiduciary responsibility.","date_sent_to_company":"2019-12-24T09:31:30.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"89074","tags":null,"has_narrative":true,"complaint_id":"3476590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-12-24T03:54:06.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["<em>Synchrony</em> needs to COMPLETELY re-age my account, take it BACK to before the WRONGLY <em>CHARGED</em> deferred interest was <em>charged</em>. You scare the living XXXX out of me when I am told \" we need to reallocate all your balances and payments '' - you have extremely creative math to the detriment of the consumer. \n\nI am copying this absolutely abominable, inexcusable error to the Executive Leadership at <em>Lowes</em> Corporation, to once  again implore them to STOP using you for their financial services."],"product":["<em>Credit</em> card or prepaid card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"]},"sort":[21.385342,"3476590"]},{"_index":"complaint-public-v1","_id":"9907838","_score":21.32553,"_source":{"product":"Credit card","complaint_what_happened":"To whom it may concern : I am filing a formal complaint against complaint Synchrony Bank/Lowes due to their deceptive credit card practices that I believe violate both federal and California state consumer protection laws. This complaint concerns their \" deferred interest/no interest if paid in full '' promotion that was not only misleading but executed in such a manner that it inflicted significant and undue financial hardship on me as a consumer.\n\nAccount Details : Synchrony Bank/ Lowes Advantage Card Account Number : Ending in XXXX Detailed Account of the Incident : On XX/XX/XXXX, I made a significant purchase amounting to {$1900.00}, under the impression, as explicitly told by Lowes representatives, that the purchase was subjected to a 0 % interest rate for two years. It was not disclosed to me at any point that if the total amount was not fully paid by the end of the promotional period, all accumulated deferred interest would be charged retroactively. This lack of disclosure is a gross violation of the Truth in Lending Act ( TILA ), which mandates clear communication of credit terms to consumers.\n\nI contacted Synchrony Bank/Lowe 's regarding this issue first, and in response to my inquiry, on XX/XX/XXXX, Synchrony Bank/Lowes sent a letter from XXXX XXXX, Florida , informing me of an impending due date of XX/XX/XXXX, to settle the remaining balance of {$1400.00} to avoid retroactive interest charges totaling {$1500.00}. This letter, crucial to my financial management and rights, was only received by me on XX/XX/XXXX. It is unreasonable to expect that regular mail from Florida to my address could realistically arrive in XXXX days, and this timing did not provide any feasible opportunity to act upon the information provided. Synchrony Bank/Lowes subsequent handling of the situation further underscores their disregard for ethical business practices and consumer rights. I was given a shockingly unreasonable deadline to pay the remaining balance by XX/XX/XXXX. This action, I assert, constitutes a deceptive practice under Section XXXX of the Federal Trade Commission XXXXt ( FTC Act ), which prohibits \" unfair or deceptive acts or practices in or affecting commerce. '' Legal and Ethical Concerns : 1. Misleading Communication : By setting an impossible deadline known to be unachievable due to normal mailing durations, Synchrony Bank/Lowes has engaged in deceptive practices that seem designed to ensure the imposition of undue charges. \nXXXX. Violation of the Truth in Lending Act ( TILA ) : The act requires clear disclosure of credit terms, and by not providing timely information, Synchrony Bank/Lowe 's violated TILA stipulations.\n\n3. Breach of the Fair Debt Collection Practices Act ( FDCPA ) : This act protects consumers from unfair debt collection practices, and the timing of Synchrony Bank/Lowes communication could be considered a violation of fair and transparent collection practices.\n\n4. Violation of Section 5 of the Federal Trade Commission Act ( FTC Act ) : This section prohibits unfair or deceptive acts affecting commerce, with Synchrony Bank/ Lowe 's actions falling squarely within the realm of deceptive practices by setting unrealistic payment expectations and deadlines.\n\nRequested Actions : Immediate Investigation : A thorough investigation into Synchrony Bank/Lowes practices and timelines to determine the prevalence of such deceptive strategies and to impose necessary sanctions.\n\nReversal of Interest Charges : Immediate removal of the {$1500.00} interest charge and any other penalties incurred due to their failure to provide a reasonable opportunity to respond.\n\nRegulatory Oversight : I urge the CFPB to scrutinize Lowes future communications to ensure compliance with all relevant consumer protection laws.\n\nAttached are copies of the correspondence received from Lowes and other relevant documents substantiating the timing and nature of this issue. \nI trust that the Consumer Financial Protection Bureau will address this egregious behavior promptly and decisively to prevent further exploitation of consumers. \nThank you for your attention to this grave matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-24T21:02:08.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"9907838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-08-24T20:56:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["It was not disclosed to me at any point that if the total <em>amount</em> was not fully paid by the end of the promotional period, all accumulated deferred interest would be <em>charged</em> retroactively. This lack of disclosure is a gross violation of the Truth in Lending Act ( TILA ), which mandates clear communication of <em>credit</em> terms to consumers."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Charged</em> too much interest"]},"sort":[21.32553,"9907838"]},{"_index":"complaint-public-v1","_id":"19139740","_score":21.321001,"_source":{"product":"Credit card","complaint_what_happened":"Was making automatic on-time payments to my Lowes credit card with Synchrony Bank . When reviewing my account activity, I noticed that there were multiple interest charges. I contacted Synchrony customer service over chat. When discussing the charges, the service representative mentioned a \" regular balance '' which needs to be paid off to avoid interest. The total for the regular ( non-promotional ) balance was ~ {$1700.00} -- this number was not readily visible anywhere on my online Synchrony account. When I went into my promotions, a 0 % APR was applied only to a portion of my purchase. \n\nI was doing a kitchen remodel with Lowes and was told the Lowes credit card has 0 % APR for XXXX months and a discount on the purchase, so I signed up. However, it wasn't until I noticed the Synchrony interest charges that I discovered that the Lowes promotion only applied to a specific portion of my purchase ( XXXX  ) but did not apply to the purchase of my countertops or dishwasher, since they were charged as separate purchases. Those charges were thus incurring XXXX  % + APR every month on my Synchrony account. Despite setting up autopayment on my account and making the payments in full each billing cycle, I was getting hit with ~ {$45.00} interest charges every month, which ultimately amounted to a few XXXX dollars. \n\nWhen talking with the Synchrony customer service agent, I asked how much I needed to pay now to avoid any future interest charges, which was the {$1700.00} number. I made a payment of {$1800.00} while I was online with the agent. I was informed that interest charges would continue for at least the next XXXX billing cycles. I asked why, when making payments, I am not given the option to choose my allocation. If so, I would have paid off the \" non-promotional '' balances first to avoid those interest charges and then continued to make timely automatic payments on the 0 % APR balance.","date_sent_to_company":"2026-01-30T19:36:30.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"19130","tags":null,"has_narrative":true,"complaint_id":"19139740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-30T18:45:51.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Was making automatic on-time payments to my <em>Lowes</em> <em>credit</em> card with <em>Synchrony</em> Bank . When reviewing my account activity, I noticed that there were multiple interest charges. I contacted <em>Synchrony</em> customer service over chat. When discussing the charges, the service representative mentioned a \" regular balance '' which needs to be paid off to avoid interest."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Charged</em> too much interest"]},"sort":[21.321001,"19139740"]},{"_index":"complaint-public-v1","_id":"16059005","_score":21.242764,"_source":{"product":"Credit card","complaint_what_happened":"On or around XX/XX/XXXX, I opened a Lowes credit card with Synchrony Bank. I later discovered I was being charged monthly fees for a Payment Security program that I never knowingly enrolled in. \nI contacted Synchrony Bank and Payment Security multiple times ( most recently in XX/XX/XXXXXXXX  ) to request proof of my enrollment. Instead of providing a copy of my signed application, a screenshot of the online enrollment, or a copy of the welcome email, they only sent me generic letters claiming I enrolled on XX/XX/XXXX. \nI specifically asked for documentation, but none has been provided. They also admitted the program was canceled effective XX/XX/XXXX, but they denied my dispute and did not refund prior fees. \nI do not know the total amount I was charged, because Synchrony has not given me a full accounting of past Payment Security fees. \nI am requesting : -Documentation of my enrollment, if it exists. \n-Refund of all Payment Security fees if no proof can be provided. \n-Confirmation that the program remains canceled.","date_sent_to_company":"2025-10-31T16:23:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"31794","tags":null,"has_narrative":true,"complaint_id":"16059005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-09-19T13:42:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On or around XX/XX/XXXX, I opened a <em>Lowes</em> <em>credit</em> card with <em>Synchrony</em> Bank. I later discovered I was being <em>charged</em> monthly fees for a Payment Security program that I never knowingly enrolled in. \nI contacted <em>Synchrony</em> Bank and Payment Security multiple times ( most recently in XX/XX/XXXXXXXX  ) to request proof of my enrollment."],"product":["<em>Credit</em> card"],"company":["<em>SYNCHRONY</em> FINANCIAL"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["Card was <em>charged</em> for something you did not purchase with the card"]},"sort":[21.242764,"16059005"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":93,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":93}]}},"product":{"doc_count":93,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":47,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Store credit 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