Consumer complaint received 2017-08-30
Company: SYNCHRONY FINANCIAL
State: GA
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:
I first opened the Care Credit card in XX/XX/XXXX to help pay for my XXXX XXXX. I opted for the promotional 'No Interest if Paid within Promotional Period '. The promotion would end XX/XX/XXXX. So I continue making my monthly payments, always paying on time ( sometimes early ) every month. The monthly amount I paid varied ( {$50.00} was the set amount but between XX/XX/XXXX and XX/XX/XXXX I paid upwards to {$100.00} a month to make the promotional deadline ). The promotional period charged me no interest but the fees varied. Fast forward to XX/XX/XXXX. I made my monthly payment of {$32.00} on XX/XX/XXXX ( due on XX/XX/XXXX ). I check my email this morning and I see I 've been charged with more fees due to 'impartial or late payments'- which is not true. I 've never been late and I pay my full monthly amountopted for the promotional 'No Interest if Paid within Promotional Period '. The promotion would end XX/XX/XXXX. So I continue making my monthly payments, always paying on time ( sometimes early ) every month. The monthly amount I paid varied ( {$50.00} was the set amount but between XXXX and XXXX I paid upwards to {$100.00} a month to make the promotional deadline ). The promotional period charged me no interest but the fees varied. Fast forward to XX/XX/XXXX. I made my monthly payment of {$32.00} on XX/XX/XXXX ( due on XX/XX/XXXX ). I check my email this morning and I see I 've been charged with more fees due to 'impartial or late payments'- which is not true. I 've never been late and I pay my full monthly amount before the due date. My balance is back to $ XXXX- same amount it was in XXXX- and I made an early payment in XX/XX/XXXX. My complaint is how do they expect me to pay this off when ( even after making payments ) the fees charged brings my balance back up again? With these high fees it 's like I 'm not even paying it off, which means it 's taking me longer to pay it off. If that makes sense. Another issue I 'm having is the fact I 'm paying on time ( sometimes early ) and they are telling me I 'm being charged a fee due to impartial or late payments. The sooner I pay this off the better. I 'll never use Synchrony Bank 's care credit card again. before the due date. My balance is back to $ XXXX- same amount it was in XX/XX/XXXX- and I made an early payment in XX/XX/XXXX. My complaint is how do they expect me to pay this off when ( even after making payments ) the fees charged brings my balance back up again? With these high fees it 's like I 'm not even paying it off, which means it 's taking me longer to pay it off. If that makes sense. Another issue I 'm having is the fact I 'm paying on time ( sometimes early ) and they are telling me I 'm being charged a fee due to impartial or late payments. I have n't spoken to Synchrony Bank 's customer service yet but based off the other complaints I 've read, they have n't been much help. 

The sooner I pay this off the better. I 'll never use Synchrony Bank 's care credit card again. Can someone please help me? Give me some insight please. Should n't my concerns matter as a consumer who not only pays the amount but also pays on time/ early? Any help you can offer is greatly appreciated!

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