Consumer complaint received 2017-05-30
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CareCredit/Synchrony Bank ch arged me a late fee of {$96.00} for paying my account balance on tim e ( Pa yment of {$80.00} made through    XXXX   XXXX   XXXX     on   XX/XX/XXXX     - Du   e d ate for balance on acco un  t  XX/XX/XXXX  with  a balance of  {$35.00} ).    CareCredit/Synchrony B ank disputes that I made a payment within the billing cycle. Below is the electronic bill pay from  my   XXXX   XXXX   XXXX   account sh owing where I have pa id CareCredit/Synchrony Ba nk each billing cycle and no late fee has ever been charged :  XXXX   XXXX   XXXX   Click  here to view your contact details Profile & Settings link and menu.For the following menu links and submenus : To move through submenu items press tab.   Sign Out Payments Overview Payments Overview Automatic PaymentsOverview page Make a Single Payment Search for Payments Payment Activity Search for Payments Hide the Search for Payments section Date : Use the date options to filter your payments by all dates or a date range All datesSelect this option to filter by all dates Range ofTransactions from start date of to end date of mm/dd/yyyy Pay To account : Pay From account : Payment status : Show Paymentsbased on the selected filters Back to top Payment Activity Downloadpayments based on the selected filters Printpayment activity shown on the page Display : Go The Go button is disabled.  Select a date range from the Display select b ox to enable it.   Resu lts 1-20 of 25 First | Previ ous | Nextpage of payments | Lastpage of payments Pay To : NameSort the Pay To accounts in ascending order by name ( a-z ).  <P/> 
NicknameSort the Pay To accounts by Nickname in ascending order ( a-z ).
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Pay From Amount Deliver   By sort payments based on the Delive r By date ( newest to oldest ). Select the link to change the sort order ( old est to newest ).   Confirmation Number Status Action -- -- >  CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    - XXXX   XXXX  CORE CHECKING-  XXXX   {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} Inquire Abou t Paymentto     CareCredit/GECRB -   XXXX   on XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    - XXXX    XXXX   CORE CHECKING-  XXXX   {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} Inquire About Paymentto CareCredit/GECRB -  XXXX  on  XX/XX/XXXX  for {$80.00} -- -- -- -- - > CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    - XXXX   XXXX  CORE CHECKING- XXXX  {$80.00}  XX/XX/XXXX   XXXX -  XXXX   Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} Inquire About Paymentto CareCredit/GECRB -  XXXX  on  XX/XX/XXXX  for {$80.00} -- -- -- -- -- -- -- -- > CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX   - XXXX    XXXX   CORE CHECKING- XXXX  {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX   on  XX/XX/XXXX  for {$80.00} Inquire About Paymentto CareCredit/GECRB -   XXXX   on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    - XXXX   XXXX  CORE CHECKING- XXXX  {$80.00}  XX/XX/XXXX   XXXX -  XXXX   Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} Inquire About Paymentto CareCredit/GECRB -   XXXX   on  XX/XX/XXXX  for {$80.00} -- -- -- -- -- -- - > CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    - XXXX   XXXX  CORE CHECKING- XXXX  {$80.00}  XX/XX/XXXX   XXXX -  XXXX   Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX  - XXXX   XXXX  CORE CHECKING-  XXXX    {$80.00}  XX/XX/XXXX   XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX   on  XX/XX/XXXX  for {$80.00} -- -- -- -- -- -- -- - > CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX   -  XXXX    XXXX  CORE CHECKING-  XXXX   {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -  XXXX  on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    -  XXXX     XXXX   CORE CHECKING- XXXX  {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX  - XXXX    XXXX   CORE CHECKING-  XXXX    {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -  XXXX  on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    -  XXXX    XXXX  CORE CHECKING- XXXX  {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX  -  XXXX     XXXX   CORE CHECKING-  XXXX    {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -  XXXX  on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    - XXXX   XXXX  CORE CHECKING- XXXX  {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX  - XXXX   XXXX  CORE CHECKING-  XXXX    {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -  XXXX  on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    - XXXX   XXXX  CORE CHECKING- XXXX  {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX  - XXXX    XXXX   CORE CHECKING-  XXXX    {$80.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX   on  XX/XX/XXXX  for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    - XXXX   XXXX  CORE CHECKING- XXXX  {$61.00} 01/08/2016  XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$61.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX  - XXXX   XXXX  CORE CHECKING-  XXXX    {$60.00}  XX/XX/XXXX   XXXX -  XXXX   Processed View Paymentdetails to CareCredit/GECRB -  XXXX  on  XX/XX/XXXX  for {$60.00} CareCredit/GECRBView more details about CareCredit/GECRB-  XXXX    -  XXXX     XXXX   CORE CHECKING- XXXX  {$62.00}  XX/XX/XXXX   XXXX - XXXX  Processed View Paymentdetails to CareCredit/GECRB -   XXXX    on  XX/XX/XXXX  for {$62.00} First | Previous | Nextpage of payments | Lastpage of payments Below - Please compare the CareCredit/Bank statements for  XX/XX/XXXX  and  XX/XX/XXXX  with the electronic bank record from   XXXX   XXXX   XXXX   showing where I have made my payments to CareCredit/Synchrony Bank on time.
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lockLog in to My Account | Account ending in  XXXX  Your CARECREDIT / SYNCHRONY BANK paperless statement ( eBill ) is now available and ready to be viewed online. Your statement contains information that is pertinent to your account and should be viewed immediately. To view your complete statement, please log in to your account.
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Here is a summary of your statement : Payment Due Date :  XX/XX/XXXX  Statement Balance : {$1000.00} Total Minimum Payment Due : {$35.00} synchrony BANK lockLog in to My Account | Account ending in  XXXX  Your CARECREDIT / SYNCHRONY BANK paperless statement ( eBill ) is now available and ready to be viewed online. Your statement contains information that is pertinent to your account and should be viewed immediately. To view your complete statement, please log in to your account.
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Here is a summary of your statement : Payment Due Date :  XX/XX/XXXX  Statement Balance : {$1000.00} Total Minimum Payment Due : {$96.00}

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