Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

Today 's Date : XX/XX/XXXX Wednesday XXXX EST USA CFPB XXXX XXXX-Communication Director XXXX RE : XXXX XXXX/XXXX  Credit Card XXXX XXXX XXXX This is the first, complaint letter, I sent to XXXX XXXX . PLEASE, I NEED YOUR HELP. When I call XXXX, they redirect me to XXXX XXXX. XXXX XXXX, is a Nightmare. I hope this letter, will be self explanatory. If not, I will be happy, to email, my documentation. 1st Email Complaint ; XX/XX/XXXX Sunday XXXX EST RE :  My Synchrony/XXXX Credit Card Balance CC : CFPB Consumer Financial Protection Bureau Attention ; XXXX XXXX Director CFPB XX/XX/XXXX Statement, My Balance was & {$5800.00} SOMETHING IS WRONG!! I have called XXXX Customer Service MANY TIMES!! Their response, " You Need To Call XXXX XXXX. This weekend, I have called XXXX XXXX, using ( 10 ) different numbers. I even called " XXXX XXXX Fraud Department. '' Hoping someone from that department, could give me the phone number, of the department at Synchrony, that deals with XXXX CUSTOMERS. This RUN AROUND, has got to stop.
I was on the phone Saturday Night, XX/XX/XXXX for ( 4 ) hours. Still NO HELP. I have copies of all my " XXXX XXXX '' orders. I check off each charge, when I received my monthly statements. Once the one through five or six XXXX XXXX are met, this item is paid for. IS THIS CORRECT?? Now, according to my records, I have ( 12 ) items, I still owe for. With a remaining balance of {$220.00}. The Last XXXX XXXX, will be XX/XX/XXXX. My payments, have NEVER BEEN LATE!! My Payments Are Always Over The Minimum Due. i.e. Payments from {$100.00} to {$270.00}. So, please explain my balance. When I received the letter from XXXX, stating XXXX XXXX would be taking care, of credit card. I XXXX XXXX XXXX, NOT GOOD!! Lots of bad reviews. Then when I saw, " THE LIST '' of other accounts you take care of ... My first thought, there 's some type of " MONOPOLY, '' Going On. I do not care if XXXX XXXX have assets of {$39.00} XXXX or more. HOW CAN ONE BANK HAVE THIS MUCH POWER?? Recently, two of my other credit cards, have gone with XXXX XXXX. I AM NOT HAPPY!! I HAVE ALL OF MY INFO ; 1. Copies of Each Order, with their XXXX XXXX checked off, once they are PAID IN FULL!! Once I reach the last XXXX XXXX, according to my monthly statements from " XXXX XXXX. '' 2. Documentation of ALL OF MONTHLY PAYMENTS!! If I had the CEO phone number, I would have call her, Saturday night. Please, direct me to the " ACCOUNT MANAGER, who deals with XXXX. Also, I DO NOT Like XXXX XXXX/XXXX website. It was NO HELP. Every time a phone call, is made to check the consumers credit scores, before making a purchase. ALL OF THESE PHONE CALLS ARE NOTED ON THEIR CREDIT FILE. I HAVE GOOD CREDIT. AND I WANT IT TO STAY THAT WAY!! I WILL BE WAITING FOR A REPLY, regarding my issue. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today 's Date ; XX/XX/XXXX 2nd Email Complaint XXXX Attention ; XXXX XXXX Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Ext XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX Cc : XXXX, XXXX XX/XX/XXXX Friday XXXX EST Attention ; XXXX XXXX Hi XXXX , Hope your day is going well. I left you voice message about thirty minutes, ago. I am emailing you, My XXXX Payment Schedule. Account Balance : {$160.00} I DO NOT OWE, for any new orders. I will NOT be placing any new orders with XXXX. Once this balance issue, is finally resolved. That XXXX Card, will be cut up!! I never had an issue with XXXX. Until XXXX XXXX, came into the picture. Sorry, I have two other cards, that XXXX XXXX has taken over. These credit cards, I have had since the XXXX. I sent a payment to XXXX, for {$300.00}. I made this payment on, XX/XX/XXXX. The payment was deducted from my bank on XX/XX/XXXX. XXXX received it on the date it was due, which was XX/XX/XXXX. XXXX Authorization Department, has called me EVERYDAY THIS WEEK!! They are trying to charge my account for the last few XXXX XXXX  Due. ( See My XXXX Payment Schedule ). My payments due are being DENIED!! There goes my FICO Score!! Due to the {$5800.00}, Over Limit!! Again, I DO NOT KNOW how XXXX XXXX came up with this balance. XXXX, is the XXXX supervisor, I spoke with last week and today. She tells me, that she can not get on XXXXto look at my balance. She can not call XXXX XXXX due to it being a Third Party Bank. Sounds like these poor girls are just trying to do their jobs. But they are stuck in the middle, kind of, like the consumer!! Sounds like poor communication. If you look, at my XXXX XXXX Schedule ; At this time, these are the items to my XXXX XXXX XXXX CARD # 1 Item XXXX XXXX XXXX XXXX {$6.00} 5th Payment of a Total of ( 6 ) XXXX XXXX # 2 Item XXXX XXXX XXXX {$9.00} 5th Payment of a Total of ( 6 ) XXXX XXXX # 3 Item XXXX XXXX XXXX {$3.00} 5th Payment of a Total of ( 6 ) XXXX XXXX {$4.00} Item XXXX XXXX XXXX  {$3.00} 5th Payment of a Total of ( 6 ) XXXX XXXX Total : {$24.00} I have twelve items that will be PAID IN FULL, next month. They are the ones with ( 6 ) XXXX XXXX. My last purchase in XX/XX/XXXX, XXXX XXXX has ( 3 ) XXXX XXXX Pending. The XXXX XXXX, will be paid in full, XX/XX/XXXX. Once all purchases are Paid In Full. Please, explain the {$6000.00} balance?? XXXX, I do not know what is going on. But if it takes me sending all of my documentation, which is about two large binders full, plus more.I have NO problems, with that. I made my first purchase with XXXX in XXXX. I used my personal cards. In XXXX, I requested a XXXX, now XXXX Credit Card. I am requesting XXXX XXXX, to please provide me with, My Account Breakdown. 1. Starting from XX/XX/XXXXuntil the Present Date I can not get the XXXX & XX/XX/XXXXstatements, from XXXX I have the original, but it would be nice, for my records. 2. All of My Payments, be it from my own personal accounts, Or XXXX Account, XXXX XXXX  XXXX Account 3. Do you see any late charges/fees?? My records shows 0 4. Where did all of this interest charges come from?? 5. What is Balance Method = 2D.?? This is from XXXX How Do XXXX Work? XXXX EligibilityXXXX orders may be subject to credit approval by XXXX and XXXX reserves the right to review credit reports to qualify customers for XXXX. If an inquiry is made by XXXX, it will show on the customer 's credit report. Failure to pay XXXX on time may restrict the use of XXXX on future orders. XXXX is unable to accept prepaid cards on XXXX order XXXX makes shopping with XXXX convenient and affordable. It is a payment option that allows purchases on a credit card, XXXX, or XXXX Card over a period of several months. At checkout, choose the XXXX option when available. The first payment, plus applicable shipping/handling and tax will be charged to your payment method when the item ( s ) is shipped. The remaining payments will be charged every 30 days from the ship date to the same payment method as your original order, unless you update your payment method. Multiple XXXXPayments, due on the same day, may be combined and charged in one transaction. Billing dates for future XXXX can not be changed ; however, customers may request to pay earlier than scheduled. XXXX DOES NOT ASSESSES INTEREST CHARGES ON XXXX XXXX PURCHASES!! Use of XXXX on your credit card could result in interest charges from your financial institution based on the terms and conditions of your specific credit card agreement.