Consumer complaint received 2021-04-30
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
*Date of opening XXXX or XXXX of 2021 *Amount charged on temporary card XXXX dollars total. 
*They never sent a bill/statement or actual card *They charged interest and late fees without me ever receiving a bill or the card. 
*Opened a Synchrony Bank Card at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
*They put the incorrect address on the account. 
*They never sent the card to me in the mail, because they failed to use the change of address paper card that the State of Maryland Provides to drivers. I provided it to the person opening the account. 

*They instead used the address on the license, even though I specifically gave them the correct address and the paper change of address card. 

*They put late fees and interest onto the account and I never received a bill, or a card not even through email, because they failed to put my email address in correctly. 

* I had to XXXX the name of the bank that does business with XXXX XXXX and on my own make 8 different phone calls some of which they still did not do things competently.

I immediately attempted to pay the card in full with my Bank Debit Card.

The customer service representative said my debit card would not go through. I called my bank, who said that the reason the card did not work is that the Synchrony Bank representative entered in the wrong security code. So I had to call back again to explain again that their mistake was costing me time and money. I was transferred to several people and finally, they entered the card incorrectly. It was as if they did not want me to pay it off or close the card. They have been completely incompetent in my case. 
I paid the card off and closed it. Because of their mistake, I was charged interest and late fees. 
*They removed them, finally, but it still hit my credit report according to them. 
* They have also made me call back multiple times to get the interest taken off ( They had to wait until it posted ), then they told me it did hit my credit report and offered no solution for them to fix it. Also, they are making me call back again to get the refund check of the interest. 

*This is a total disregard of my time and they obviously think it is ok to make the customer suffer for the actions of their staff in the stores who do not know what they are doing. They offered no real solutions to take this off my credit or to easily fix their mistake. They impacted my time, my money, and my credit and it was all their mistake. 

* They charged me without ever sending me a bill and I waited and waited until one day I had to look up the bank myself and ask them what was going on. Ridiculous! I do want this removed from my credit and I think their practices should be examined. 
I still have to call them back one more time to get them to mail me my money. It is a total sham and I believe most people would have given up on this by now, but I want this off my credit. I think this is their plan, to keep your money and charge you for their mistake. 

I do not know what my permanent card number was. I did not receive a card, but the last digits of my social are given in the card number section.

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