Consumer complaint received 2018-12-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I placed order for pool light totalling {$56.00}. Shipping was free and I used a {$30.00} gift card at time of purchase making total {$26.00} left to be charged to XXXX  XXXX/XXXX   credit card. On XX/XX/XXXX I was charged {$26.00}. On XX/XX/XXXX I was emailed by XXXX  saying they had a change in my credit report. Up until this time I had not received a bill and had made several other XXXX purchases Nd was not ONCE prompted on their site that I had a past balance due. For 19.5 years I have prided myself with exceptional credit history and for the simple fact I have Integrity I would have NEVER left a debt of {$26.00} to fall delinquent much less 30 + days late!! My credit score was in the 780+ if not XXXX only to be shocked down to XXXX over {$26.00}??? It is my belief that they purposefully practice deceptively in order to line their pockets. If that isn't enough.. When I IMMEDIATELY called after seconds of reading my credit report I questioned the validity of the charge as I opened the account with XXXX in XX/XX/XXXX, and didn't place an order for anything that would add up to {$53.00} 30 days late charge in XX/XX/XXXX. I respectfully asked the gentleman to tell me what. Charge was made and for what. I had a very hard time understanding him so I said the charge you're saying was made XX/XX/XXXX for XXXX and in XX/XX/XXXX you're saying I am 30 days late with {$53.00}? I respectfully asked the gentleman to transfer me to a native english speaker to which hastily he repeated he will repeat the information again. I asked what was purchased and he again read a string of letters and numbers. I said im not understanding what this purchase was muchless am I understanding how the 30 days late payment is adding up both in months and total money. They man quickly and in an accusing and derogatory tone said well first you say you didnt make the charge and now you are questioning timeline.. which is it? Either you made purchase or you didn't. I promptly replied Sir I beg your pardon that is NOT what I said. I asked againto speak with a native english representative to which hastily he repeated he will repeat the information Again and then if im not understanding we would go from there. I again asked the gentleman to transfer me to a native english speaker to which hastily he repeated he will repeat the information again. I said Sir by law you must transfer me. He said fine and said over 3 times not to hang up while he transferred call ... After few minutes the call was ended on his end. I'm not sure what happened. First the issue of WHY that card superseded my normal credit card I always used when I opened it in XXXX presumably to take advantage of promotion.. so HOW did it end up the " default '' card even AFTER I had made purchases with my usual credit card.. Initially I thought they added my - {$30.00} gift card to total sale for sale of billing and fees. It all adds up. There is a month gap before they caught their mistake if you will. I'm so distraught over this whole preposterous senierio. I disputed with XXXX  4 separate times providing the document I will here. I'm NOT understanding how this keeps falling in their favor all the while ruining, and running my credit score down to XXXX as of today. I haven't paid as I have continued to dispute their questionable practices. I am a woman of dignity who has no issue with paying my debt of {$26.00}. My credit is all but RUINED over what is clearly deceptive tactics .Oh and as stated in beginning.. no bill no WARNING NO NOTHING..until the day of my phone call ... 2 days later I certainly had a bill in the mail and it still makes no sense. Please if for no other reason I PRAY this keeps someone else from being a victim.

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