Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: FL

Complaint narrative:
I had a secured credit card with First Progess ( issued by Synovus Bank ) since the year of XXXX. I opened this secured credit card with a {$200.00} deposit, and continued to use this credit card through the years until XXXX. In the beginning of XX/XX/XXXX, I called the credit card company and asked them if they offered any options to upgrade out of a secured card to a card that offers benefits. They informed me there was no option for that, so I asked to have the account closed. The representative assisted me in closing the account and because it was a secured account that was opened with a deposit, they used that to pay the balance I had on the card and they mailed me a check for any remaining funds once the account was paid in full. In a statement from first progress, it is noted and dated on XX/XX/XXXX, that there was a credit balance refund issued to be in the form of a check via mail of {$53.00}. I received the check a week or XXXX later and to my knowledge, this account was closed and paid in full. Since the closure of the account in XX/XX/XXXX, on my customer account online, there was statements that continued to be issued on a monthly basis stating there was no balance due, no payment due, the account was on {$0.00}. However, the statements continued every month with the same information, there was nothing on the statement indicating that I owed any money to first progress. Especially since the account was closed and paid in full, there should be no reason for fees to be generated on my credit account after that. 

However, in the month of XX/XX/XXXX, 6 months after the account was paid in full and closed, the statement posted to my account suddenly shows a fee due of {$30.00} with a payment due date and stated it was over the card limit. 
Since I closed this account, I had no reason to continue logging into the account to check my statements because I cut the card and threw it away when I closed it. but every month since XX/XX/XXXX, a new statement was issued and fees continued to be accrued for whatever reason. 

I have reached out to this credit card company and have spoken with several representatives and supervisors, and even through phone conversation once I have explained the issue, it is so obviously clear in their responses that they have absolutely no explanation for this and even agree with me when I say that this doesn't make any sense at all and is clearly a mistake. 

my last attempt in trying to have this resolved was in the beginning of XX/XX/XXXX. I have still not been able to resolve this or even be contacted with a solution or explanation. there has been no attempt on their behalf in assisting to rectify this inconvenience. 
I strongly believe that a credit card that has been paid in full and left with a {$0.00} balance before it was requested to be closed by a consumer, should be billed for " fees charged '' " Interest charges '' 6 months later.... 

I also want to include this information, since it will be shown on the statement and I want to make sure I provide all necessary information. 
I had a bank account with a credit union during the time I first opened this credit card. I had set up through the bank auto bill pay to issue {$50.00} payments to this card on a recurring monthly basis. But, that bank account was closed PRIOR to the closing of first progress and the bank never put a stop to those auto payments ( I have confirmed with the bank that the error was on them and they take responsibility for those monthly payments continuing to be issued even after the account was closed- this can be verified with them as well ) however, on the statements attached, you will see that once the " payment ' from the closed bank is posted, within a few days you will see that a transaction appears on the statement returning the payment ( because it was coming from a closed bank account that had no funds so there was never in fact any actual payment issued to first progress ). In the years I had this account that this automatic " payment '' was being submitted, they NEVER tried to charge me for a returned payment fee or a " lockbox fee '' this only started being shown on statements 6 months after the account was closed.... which started in XXXX.

Company response to consumer: Closed with non-monetary relief