Consumer complaint received 2015-11-28
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: APR or interest rate

Complaint:
on or about XXXX/XXXX/15 i called Walmart mastercard to find out why i had a mastercard on my regular walmart credit card account. the agent told me that they had upgraded me to a mastercard and that i could go ahead and close my walmart regular credit card account, so i did so, but before doing that i did ask the rep. when was this mastercard sent out and he told me it was sent out today XXXX/XXXX/15 and i should receive it in 7 to 10 business days. those 10 business days went by and i called and told them i had not received this new mastercard. and the rep i spoke to this time told me " i 'm sorry it was sent out yesterday '' which made it XXXX/XXXX/15 or XXXX/XXXX/15 so once i got the mastercard which was a couple of days later i called to activate the card but it would not activate, and the rep. i spoke with said " i 'm sorry XXXX your mastercard can not be activated because you closed your walmart regular credit card account, and i told the rep. at that time i was told i could go ahead and close the account. and she told me she would pass it on to another department and see what would become of it, about the time she told me that our call got droped so i call right back and this time i ask to speak directly and i mean directly with a supervisor so they connected me to one. she ask what could she help me with and i told her the whole story, and she said well you do n't have to worry now XXXX XXXX i have got your card activated, and i ask her at that time i said i want to know what my APR is on this Mastercard because none of that disclosed to me when i recieved the card, which by law you are suppose to receive, and she told me my APR was at XXXX, and i ask her will you please make sure because i will not use this card if the APR is to high and she told me " I 'm looking at it right here on my screen XXXX XXXX and it says 16.99 %. I said ok thank you and the call ended. since that day i have requested them to send me the terms and conditions on this card that include late fees APR ... .ect ... and i still have not received them. so on XXXX/XXXX/15 I called back and requested a supervisor again and they placed me with GE Capital Escalations team. that team is telling me that my APR is 20.99 % and i said no its not the supervisor i spoke with said it was at 16.99 % and she confrimed that not once but twice when i ask her. The gentleman that is in Escalations said they would have to pull that call, and if that was the case that i was told that then they would correct it. he told me i could call back in 4 or 5 days and it would all be cleared up. i waited 6 to 7 days and when i call tonight ( XXXX/XXXX/15 ) the rep would not place a supervisor on the phone and they still would not give me any information about the papers they where to send and about my APR being 16.99 % as i was told. i 've have been gave the run around over this long enough. i 've had XXXX or XXXX rep and XXXX supervisor tell me the APR is 16.99 % and i 've had about the same amount to tell me its 20.99 % ... and its not right to do a customer that helps place food on the peoples table at GE this way and it needs to STOP!!

Company response to consumer: Closed with explanation