Consumer complaint received 2020-03-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
RE : Synchrony bank says I didn't make my payments and charged me a late fee, I have cashiers check receipts for XXXX & XX/XX/XXXX Payments I received a statement from Synchrony MC/Syncb, XXXX XXXX XXXX, XXXX GA XXXX on Saturday, XX/XX/XXXX stating my account is over due by {$140.00}. On XX/XX/XXXX at XXXX XXXX, I called the phone number ( XXXX ) XXXX, got a representative by the name of XXXX, who refused to give me his id number. I asked to be transferred to a supervisor. 

Problem. I explained that the statement that I received for this month says that I am past due. I explained to this representative that I have a copy of a cashiers check showing that I made a {$60.00} payment for XXXX XXXX  payment which showed the minimum payment due was {$50.00}. This cashers check is dated XX/XX/XXXX. My payment due date for XXXX was due by XXXX XXXX, XXXX. I mailed my payment out XX/XX/XXXX which gave more that 15 days for my payment to be received. Synchrony charged me a {$29.00} late fee, when I used the statement address coupon slip that the company sends and this address is where I always send my payments. I explained to this company that there is a possibility that my payment could have been credit to the wrong account. Synchrony is not interested in finding out what happened to my payment, they found it easier to charge me the late charge of {$29.00}. They need to find my payment. I always make sure my account numbers are printed on the cashiers check. 

Headquarters XXXX XXXX XXXX, XXXX, OH XXXX XXXX File Opened : XX/XX/XXXX Years in Business : 88 Business Started : XX/XX/XXXX Accredited Since : XX/XX/XXXX Type of Entity : Corporation Number of Employees : 16000 Alternate Business Name Synchrony Financial Care Credit XXXX XXXX XXXX Read More Business Management Ms. XXXX XXXX, President/CEO Mr. XXXX XXXX Ms. XXXX XXXX Products and Services Synchrony ( XXXX : SYF ) is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products. With more than {$140.00} XXXX in sales financed and 80.3 million active accounts, Synchrony brings deep industry expertise, actionable data insights, innovative solutions and differentiated digital experiences to improve the success of every business we serve and the quality of each life we touch. Our financial expertise spans key product areas, including apparel, electronics and appliances, home furnishings, automotive, power products and sports, jewelry and luxury, other retail, elective healthcare procedures and services, and more. Additional information can be found at www.synchrony.com and through XXXX : @ Synchrony. 

Sychrony Bank Customer Service - ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX http : //www.synchrony.com ( XXXX ) XXXX

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 monetary relief