Consumer complaint received 2016-01-26
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: APR or interest rate

Complaint:
Dear consumer finance, I 'm filing a complant against GE Capital Retail bank. 
I applied for credit in XXXX when I was at the XXXX in XXXX Minnesota, I needed to have a few fillings the cost was quite expensive, the dentist assistant offered to see if I was eligible for a care credit card, I was approved for {$4000.00}, she explained that it was a medical credit card she there was no interest if paid in full, so I said ok and they started working on my teath, I had quite a bit of work done. I was going over my bills and had noticed different dates for each time I had worked done, and that XXXX of my expiration date for deferred interest had expired, the interest was added on for the whole purchase not for balance subject to interest, I 'd do n't understand, they have on the first page of my bill there 's an expiration date, promotional balance, deferred interest, and it has a Description, Deferred Interest/No Interest if paid in full, and initial purchase amount. 
Second page has, balance subject to interest, and they all have different amounts for the same purchase, I 'm not sure of what I am being charged interest on. 

I had a purchase on XXXX/XXXX/XXXX {$260.00} promotion date expired on XXXX/XXXX/XXXX, I had gone through all my statements up XXXX and for the same purchase price of {$260.00} the balance is now {$380.00}, so as I was looking over my statements notice they had added interest for that purchase every month, and from my payment that I made they would only deduct a small amount of a dollar or change. I would always pay more than the minimum payment due to try and get it paid off sooner, I was being charged interest and paying interest on top of interest for 28 months, and this is not the only XXXX. 

In XXXX/XXXX/XXXX I had a purchas of {$1300.00} and each month up to XXXX/XXXX/XXXX they added 26.99 % to the balance subject to interest it was now {$1600.00}, I did n't know what I could do this was crazy I did the only thing I could do, in XXXX took out a loan and pay it off before I was charged with that interest on top of interest. 

I have a regular transaction not deferred the date on my statement is on or XXXX in the amount of {$360.00} as I look over my statements each month be were adding the interest to my balance not subtracting in XXXX XXXX {$370.00} in XXXX it started going down by XXXX it was {$270.00} and then in XXXX it started going up {$270.00} in XXXX it weighs {$260.00} in XXXX of XXXX it was {$230.00} in XXXX was {$240.00} in went up to {$280.00} by XXXX XXXX, I 'm not sure of what happened in XXXX I do n't have any statements from XXXX through XXXX I 'm sure there 's a lot of things on the three years of statements do n't understand also. 

I noticed on my statement YTD it has total interest charge of {$180.00} and total interest paid {$87.00} to me that looks like it should be total interest that being charged and paid should be added together because that 's what the charge me that was for XXXX, in XXXX the YTD in XXXX in total interest charged {$180.00} interest paid {$42.00}, my final statement XX/XX/XXXX year to date interest charged {$180.00} and interest paid jumped from {$42.00} to {$290.00} that is something else I do n't understand. 

Not sure if you require me to list all of the transactions there are so many, and like I said I do n't have my statements from XXXX to XXXX of XXXX. 

Thank you.

Company response to consumer: Closed with explanation