Consumer complaint received 2017-03-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a store credit card with Amazon that is owned by Synchrony Bank. Their promotional offers are for purchases made over a certain amt., there is either a 6 month or a 12 month interest waived offer, if promo balance is paid in full by it 's due date. Since getting this card, EVERY SINGLE PURCHASE I have EVER made on it, was ALWAYS for either the 6 mo promo offer or the 12 mo. and as every Promo has come up on it 's expiration date I have made Pymt IN FULL and WELL IN ADVANCE of each Expiration date ( note : this is in addition to the mthly min. pymt I also need to make to avoid interest, and every due date the min. amt has also been PAID IN FULL and WELL IN ADVANCE ), yet EVERY SINGLE TIME I pay off a PROMO charge IN FULL as it comes due, I find out I am STILL being charged INTEREST on it! I have written & done chat sessions with this co. EVERY SINGLE MONTH and have to go thru the entire ROUTINE over and over again, where they CONFIRM that I have NO " REGULAR '' purchases on this card ( and NEVER had any ) as well as the fact that EVERY PROMO and EVERY MTHLY pymt has been made on time and in full TO DATE! and that they will REVERSE the ( BOGUS ) Interest charge, and fix the problem, yet EVERY SINGLE TIME the next month comes around, and I check my acct. AGAIN there is ANOTHER NEW ( BOGUS ) interest charge tacked onto my acct! The ONLY REASON I ever 'happened ' to notice these charges in the first place is because I chose to click on my 'activity ' to MAKE CERTAIN they are applying every PROMO PAYOFF to the correct PROMO that comes due, and that is the ONLY reason I CAUGHT their ILLEGAL and CONTINUOUS charging of Interest that has no relevance. The reason I am filing a complaint here is not just because I am getting SICK AND TIRED of going thru this ROUTINE with them EVERY SINGLE MONTH, but also because I can imagine how many customers holding a Synchrony credit card are being charged ILLEGAL interest on their accts EVEN THOUGH THEY ARE PAYING OFF THEIR PROMO BALANCES IN FULL AND BEFORE THEY COME DUE! ( this cr cd company is MAKING MONEY on UNSUSPECTING CUSTOMERS via a few dollars here and there being charged ILLEGALLY, and going 'unnoticed ' by customers ... who do n't think to look because they know there is no reason for any interest charge to even be on their acct, if they have been paying off all balances in full and before due dates expires ) ... ..yet this co. continues to charge me after EVERY PROMO is PAID IN FULL AND WELL IN ADVANCE OF IT 's DUE DATE, in spite of my CONTINUOUS contact telling them they are charging me ILLEGALLY! No one should have to go thru this SAME ROUTINE EVERY SINGLE MONTH to get interest reversed when it never should be posted in the first place! They are obviously MAKING MONEY on people who have no clue they are even doing this! ... and for me, they are DRIVING ME INSANE to have to keep contacting them MTHLY to reverse interest charges that are ILLEGALLY Charged in the first place! PLEASE look into this Fraud! thank you.

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 explanation