Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
To Whom It May Concern ; I opened a XXXX XXXX account in the Fall of XXXX for implants. I successfully completed the first half of the treatment plan using the card. The card promised interested free payments and a credit limit of {$9200.00}. After this first phase of treatment XXXX XXXX then reduced my credit limit to the amount outstanding and told me my limit was reduced until I paid the balance and if not, the account would be closed. To my astonishment and without notice. They claimed they were 'there to help ' but the rude and belligerent response was 'take it or leave it '. I stopped paying the bill for a period of XXXX months trying to negotiate a settlement but they refused. During this period I filed XXXX separate credit bureau disputes about their incorrect information on payments, the incorrect amount they continued to show owing and finally in XXXX of XXXX they wrote all three bureaus and asked for their records to be removed, which the bureaus did. What they refused to do is correct the record of incorrect reporting and data. 

Because of their predatory practice of advertising what is obviously untrue in practice and their attitude about the account, I decided to make a significant payment in XX/XX/XXXX of {$2000.00} so I could buy some time to sort it out and try to come up with a payout that would get rid of their ongoing harassment and mis-information about my account. 
They have re-started a campaign against me with incessant phone calls about me being past due, which I am not, in fact, the {$2000.00} payment in XXXX paid the monthly payment out for over 10 months. 

After I paid the {$2000.00} payment in XXXX, they slapped me with a {$2600.00} interest charge which was crazy as I never was advised of same, I never agreed to any interest charge as the account was to be paid out and the payments from the beginning of issuance of the card was to be interest free. 

They have consistently lied and mis-represented their service, their credit policies and have harassed and mis-reported to all three credit bureaus, which has damaged my credit. 

My goal is to make every consumer aware of their predatory credit practices, their ongoing lies and mis-information, mis-representation and they should be taken to court and fined and forced to close this part of their credit business. In addition, I request a settlement of my account in the amount of {$1000.00} and reported as account paid in full and the credit record with Synchrony to be recorded as on time. 

I expect Synchrony to immediately report my account as current and stop the mis-reporting based on my large payment and settlement offer and stop the harrassing phone calls. 

I am sending this disputed filing to Synchrony and to all three credit bureaus as well as the XXXX XXXX XXXX and posting on every social media channel that I access. 

Thank you CFPB for providing a forum and advocacy to correct these wrongs by companies that have no concern for the consumer but profit for profit sake. You have my express permission to publish my account of facts and understanding about Synchrony Bank and XXXX XXXX to any venue deemed appropriate for every consumer to know about this company. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation