Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was offered a promotional no interest and fixed extended payments with Rooms to Go using Synchrony Bank credit card. 
On XX/XX/XXXX I made a purchase at RTG outlet in XXXX XXXX LA for a mattress and a chair. I was given an approximate amount that would be due of about XXXX and was told that I would receive the documents for billing from synchrony Bank in the mail. I never received a billing statement from synchrony but I downloaded the RTG app on my phone and made a payment of {$35.00} on XX/XX/XXXX. ( I was told the payments would start in XXXX but wanted to pay early since I only get paid once a month ) I received an email from RTG saying a payment was due so I made another payment of XXXX. On XX/XX/XXXX. ( I assumed that my prior payment was not enough to cover the XXXX fee ) In XXXX I still received nothing from synchrony bank but I noticed I was charged a fee of XXXX on XX/XX/XXXX and a late fee on XX/XX/XXXX of {$30.00}. The payment I made on XX/XX/XXXX for {$64.00} was supposed to be XXXX payment. 
I was confused as to why the monthly statement was higher than expected and why I was being charged interest and late fees. ( XXXX interest on XX/XX/XXXX ) When I contacted synchrony about the billing, I was told that only the mattress had been put on the promotional no interest/fixed payment plan and that I was supposed to be making two separate payments per month. I notified them that I had not received any statements and that this was not what I was told at the RTG store. 
I paid the total price of chair {$280.00} and was told that they would refund the late fees. 
They did refund the late fee of XXXX sept. XXXX and said they would send the billing statements. I notified them that i needed the due date to be on last or first day of month. 
I continued to pay using the app : XX/XX/XXXX {$34.00}. And on XXXX XXXX {$68.00}. 
On XX/XX/XXXX I noted a negative reflection on my credit report and went to app to see why my account balance and monthly payment was higher. 
I noted that they had charged a late fee of XXXX. In XXXX, XXXX. In XXXX, an interest fee of XXXX. In XXXX and was saying I owed another XXXX. Before XX/XX/XXXX. 
I paid the XXXX. And called synchrony bank. They said my due date was the XXXX and NOT the last day of month and therefore they could charge a late fee. They had not changed the due date as requested in my last phone contact and I still was not getting statements. 
I signed up to receive electronic statements in the future but requested all docs be sent by mail for dispute. 
I have made a payment Every month and sometimes twice a month. I have made 9 payments since XX/XX/XXXX when I made my purchase and should NOT be paying late fees since I have been trying to pay a month ahead. 
Also, a late fee that is in excess of what my monthly set fee is excessive and unfair. It goes against the credit card act of XXXX. 
I have again requested that ALL late fees be returned, that my due date is changed to one that is near my pay day, and that I am NOT charged interest since my promotional plan was fixed rate no interest. I also want my credit report to be changed to reflect on time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation