Consumer complaint received 2020-11-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Re : synchrony bank ; Care credit - Rooms to go- Amazon - TJ Max Care credit card opened on XX/XX/XXXX has been open for 36 months plus, 35 Months of paying this card of atleast {$100.00} and one month of a {$1000.00} payment in XX/XX/XXXX, states that out of a {$4400.00} balance only {$900.00} has been paid. 
When contacted They claim the interest was deferred when the rep for synchrony bank explained 12 months no interest at the same time I was approved for XXXX card which is the same for 6 months no interest. When contacted care credit stated I missed over 7 payments in the first year when I explained that was false and asked why it was reported to the credit bureau as paid the rep insisted it was falsely reported, I have proof the payments were made. 
Also on a deferred interest account the interest can only be charged by the account balance, this balance was brought from {$4400.00} to {$2400.00} in the first year then back up to {$3900.00} when the differed amount kicked in, however the amount that was charged was the initial {$4400.00} interest amount 12 times and never lowered to the balance amount. They refuse to fix at this point it should be illegal and entrapment what they did to me I have numerous synchrony accounts that have never been like this because its a medical card they can just do as they please I have been paying this company from the same account and its shows over {$4500.00} given to them on a {$4400.00} balance for them to say {$900.00} is paid off, all attorney fees and damages will be filed in a lawsuit if this Can not be worked out This is complete insanity I never missed a payment they have lowered my limit 3x this year for no reason all false reasons listed and as I pay more they tKw more off my limit ruining my utilization and lowering my credit score at a time of need due to no fault of my own Rooms to go account recently closed for no reason, when original purchase was broke and switched out they changed my payment from {$25.00} per month to {$75.00} stated the 5 years no interest what I originally signed for was changed however no additional credit was added to my account w the purchase. They had no reason to do so, a recorded rep tried to tell me I have same payments per month and no longer a 5 year no interest to what was signed and agreed to. They also differed my payment in XX/XX/XXXX due to Covid I did not see it and made the payment 2 days late not only did they not differ my account like I have in writing as they claimed but they charged me a late fee after I called and asked they had told me no late fee was added my new payment was now {$100.00} from {$25.00} but it was a lie I asked them to give the payment back but to no avail. 
AmaZon account synchrony bank broke the contract that was signed to and was charging me {$100.00} plus for a min payment of a balance at {$600.00} it was supposed to be one percent of the balance plus interest however my account balance didnt move again w this account. When bank was contacted it was admitted they broke the contracted agreement and charged me illegally for numerous months, they also lowered my limit for no reason at all. All my cards have 100 percent payment history and have not been used this year but they are destroying my credit by lowering all my limits with false reasons saying I put too much on my balances Recently when I can prove no card has even been used this year opened or anything. 
Tj Maxx : This bank closed my account Stating I wanted it done, lowering my credit score yet again for no reason when I would call I would be abused by reps telling me the account is closed so they dont have to speak to me. When the bank investigated the issue and had to pull up the script the rep had to legally go over and the phone call they realized I was correct and I never asked for my account to be closed hence them opening it again and lowering my credit score yet again I want all balances wiped And XXXX out w synchrony moving forward and all accounts closed after that is done if they do not wish to work w me a lawsuit for multiple damages, time missed from work constantly calling, credit being ruined at a time of a need and importance along w all Legal fees. This bank should have criminal charges filed against them for robbery to their consumers cause this is what the definition is robbery I have multiple cards and none that work like this, if and when a lawsuit is filed and an attorney is obtained I will subpoena all phone calls and show all consistent attempts to fix this, I was hung up on 4 times the other day when asking why my rooms to go account has been closed, its extremely ugly during a time of need and panic our nation is faced w these banks are hurting there consumers even more, I promise I will make sure this bank is smothered in legal fees and everything else by the time Im done if they dont want to settle w the abundance of money that they have literally stolen from me, who else is having this done to them?

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 non-monetary relief