Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CA)

I am filing a complaint against Care Credit and the fraudulent way they are applying my payment every month. I have XXXX promotional purchases with them, XXXX for dental work and XXXX for the veterinarian I used. I have XXXX fixed account, for 48 months with payments of {$54.00} every month. 
The other XXXX are deferred accounts and there is no interest if the accounts are paid off by XXXX/XXXX/XXXX, the payments for those every month have been {$35.00} each, every month. Once a payment of {$120.00} is made every month I was instructed by Care Credit to call and tell them exactly what amount is to be put on each account, I was told that this way my XXXX deferred accounts would be paid off on time and I would have no finance charges or late fees. Every month I make the same payment of {$120.00} and tell them exactly how to disperse the money on each account, and every single month it has been wrong. They are paying {$94.00}, {$92.00} and this month {$100.00} on the fixed account when the payment for that account is only {$54.00} a month agreed to by both Care Credit and myself. By doing this they are paying down my fixed account and not making the {$35.00} to EACH of my deferred accounts, which means at the end of this year those XXXX accounts will be behind, I will have balances and they will start charging me ridiculous finance charges and late fees. I have called every single month, I have keep records of the days I call, who I talk to at Care Credit, I have been referred to their ESCALATION SPECIALISTS 3 times now to get my accounts straightened out, I have asked that written statements be sent to me showing that the correct amounts have been put on the correct accounts so that I can see that they are indeed putting the money on the right accounts. I have never received those statements. I got a canned letter that says my account has been corrected but they never send a statement showing me that. I called once again XXXX and talked to a woman named " XXXX '', she looked at my accounts and said she saw the records of my calls and also said that the Care Credit account specialist took my payment that I specified but did NOT allocate I it correctly month after month. She said she was surprised because they were applying almost double my {$54.00} payment on the fixed account and not applying the correct amount of {$35.00} to each of the deferred accounts, which would put me behind every month and those XXXX accounts would not be paid off in time. Originally, I was told on XXXX/XXXX/XXXX by Care Credit to pay, {$54.00} on my fixed account every month, and {$35.00}. 
on the other XXXX so that I would have the XXXX deferred paid off on time, so that 's what I was doing. However, they were NOT applying the money the way I told them too, noticed it on my bill that my XXXX deferred accounts were NOT going down, I called on XXXX/XXXX/XXXX and was referred to an ESCALATION SPECIALIST and was told by " XXXX '' that he had FIXED my accounts correctly, I asked for an itemized statement showing me that my accounts had received the correct amounts from the beginning, I got the canned letter, no statement showing me how my money was allocated. I called on XXXX/XXXX/XXXX and talked to " XXXX '' who told me that my deferred accounts were behind and that I needed to change my payments to {$40.00} eevery month on XXXX accounts and that there would probably be a balance of $ XXXX {$80.00} left to pay off in XXXX of XXXX. Now, I was told in the beginning to pay {$35.00} a month on each of those accounts, AND I DID. However, they were almost doubling my payments on the fixed account and NOT applying the {$35.00} on the XXXX deferred which put the accounts behind, leaving me a balance in XXXX where they then charge me late fees and finance charges of 26.99 %. I called again on XXXX/XXXX/XXXX and talked to " XXXX '' who looked at my account and told me that the wrong amounts were being applied again to my accounts, she said