Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I am having issues with changing my due date, on my PayPal credit card PayPal uses Synchrony Bank. Usually Banks will change your due dates, if requested, so that I can make payments when I get paid. I work for the state and only get paid once a month. Its nearly impossible with hard times to double up in payments. I can only afford to have the due date changed so I can pay on time. Synchrony Bank always refuses to make such changes. They also did this to me when I had my XXXX card. They probably billed me approx. {$200.00} in late fees alone on my XXXX card. Now with my Paypal credit card they have probably charged me close to {$300.00} in late fees. When asked if they can waive those fees they refuse, and state they only allow one per year. Which in fact I disagree with this because of the fact that they are not willing to change my due date. I have called to ask but they said they couldn't. When they add the late fees its hard for me to make the payments. I tried to make my payment last month, on XX/XX/XXXX. When I made my payment last month my payment was way more than expected and way more than I had budgeted for because of the late fee they had added. I only have a certain amount set aside for my bills. We all now times are hard right now. My may concern is paying for my home, keeping a roof over my families head, buying food and paying insurance. I am on a tight budget. When banks are concerned about late fees and not willing to help consumers by changing due dates as requested by consumers, I believe this is simply a way for them to hike up payments. There is not any way you can not make those changes in a computer. If you are computer savy, you can make a computer do basically anything you need it to do. On XX/XX/XXXX, I made my payment for {$65.00}. My due amount was {$70.00}. Paypal refunded the {$65.00} back to my account. I did not pay the {$70.00} because I was on a tight budget and basically because that is all I had left to pay was the {$65.00}, after that my bank account would have no money. I could not afford the other {$5.00} much less did I want to get an overdraft fee. My bank did not return the money. Paypal refunded the money to my account. I am very disappointed that I cant get my due date changed, I am disappointed that Synchrony is not willing to work with me on waiving fees that I have incurred, and I am extremely disappointed that they would not take my {$65.00} payment. I believe they did not accept my payment because it was not the full amount of {$70.00} and because Synchrony basically wanted to add the {$40.00} fee. I can not believe they would return payment in XXXX, because it was short {$5.00}. How is that these companies do not understand what our country and economy is going through at this time. Today when I tried to make my payment the customer service agent said I had to pay {$160.00}, which I was not aware of such high balance/amount due. When I told them I can not afford to pay any more than {$60.00}, and asked if they would work a payment plan the customer service rep, basically said they couldn't unless closed out my account. I am disappointed.