Consumer complaint received 2018-07-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Messages RE : Account Maintenance XXXX / SYNCHRONY BANK ( ... XXXX ) From : XXXX XXXX XXXX To : Customer Service XX/XX/18 XXXX XXXX Reply Excuse me, XX/XX/2018, you say? This is XX/XX/2018. For last 8 months, all payments have been posted early more than 10 days. Still, this doesn't explain why the {$2.00} fee. Is that a ploy designed for accountholders to enlarge their remaining balance and missing ending of promotion date? 
{ Me : See end date below for purchase promotion. } From : Customer Service To : XXXX XXXX XXXX XX/XX/18 XXXX XXXX Hi XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. 
The payment of {$43.00} was received on XX/XX/2018 after the due date printed on your monthly billing statement of XX/XX/2018. Because the minimum payment due was not received by the due date, your account may have incurred an additional late payment fees and/or interest charges. The payment must be received at our payment processing center no later than the due date shown on your monthly billing statement. Please consider possible delays due to mail time when sending your payment. 
As the late payment fee was not paid in full by your next due date, you began to accrue interest on the {$27.00} late fee. 
Your account balance consists of both promotional and non-promotional balance. You may avoid interest on any non-deferred purchases by adding the amount of New/ Non-promotional Purchases to the Minimum Required Payment  from your statement and sending that amount as payment. As of today 's date, your non-promotional balance is {$41.00}, on which interest charges are still applicable. 
We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX XXXX. 
XXXX Customer Service Account is owned by Synchrony Bank Attachments : _Late fee.pdf_ { Me : This attachment is dated as XXXX statement which produce no late fee. } -- - Original Message -- - From : " XXXX XXXX XXXX '' XXXX Received : XX/XX/18 XXXX XXXX XXXX To : XXXX Subject : Account Maintenance Why do I have Minimum Interest Charge Purchase of {$2.00} add on my balance? While my account is on Promotion Purchase plan, how can I avoid this charge? 
{ Me : My Account Detail submemu shows } Total Fees Charged YTD : {$12.00} Next Statement Date : XX/XX/18 Last Statement Balance : {$930.00} Last Payment Amount : {$33.00} Made on XX/XX/18 XX/XX/2018 XXXX PAYMENT - THANK YOU Date XXXX $ XXXX XX/XX/2018 MINIMUM INTEREST CHARGE PURCHASES Date XXXX {$2.00} XX/XX/2018 XXXX PAYMENT - THANK YOU Date XXXX $ XXXX XX/XX/2018 MINIMUM INTEREST CHARGE PURCHASES Date XXXX {$2.00} XX/XX/2018 XXXX PAYMENT - THANK YOU Date XXXX $ XXXX XX/XX/2018 MINIMUM INTEREST CHARGE PURCHASES Date XXXX {$2.00} XX/XX/2018 XXXX PAYMENT - THANK YOU Date XXXX $ XXXX { Me : I can not print my statements as Sychrony javascript freezed my brower while ago : } " System Error '' Reference Number : XXXX Please click below to return to the home page. 
By the time of purchase from XXXX, the Interest Charge clause is not clear ; where is the amount? } Promotional Purchases If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. 
DEFERRED/NO INT IF PD IN FULL Balance : {$860.00} Expiration Date : XX/XX/2018 2018

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