Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was paying my final bill. The synchrony bank care credit card company said that they received it. It moved my balance to zero it said that my promotional balance was paid in full. All of which was on one page in the app I have proof of pictures showing that my balance went to XXXX and that I had completed my payment now when I spoke to the customer service person she told me that I have to understand that there is a waiting period that the confirmation number doesnt mean that they receive the money I said well it would make sense if youre telling me that on the app when you move my balance to XXXX and you make it seem with a confirmation number and it reads that my bill has been paid. You should say that it XXXX not come out of my bank for another week This has happened to XXXX other companies that I have complained formally to to the Attorney General XXXX and they have changed their practices to read that and they send me an email to let me know that it is going to happen. That way one of the companies is XXXX. That practice has changed since Ive complained to the Attorney General. 

yet XXXX days later I receive an email from Synchrony Bank via Care Credit saying the account I just was paying out had been decided to permanently be closed and they had closed my account due to nonpayment and we are charging {$1100.00} plus a {$30.00} service fee. 
I called them and spoke to XXXX males of which both never offered to help me whatsoever, but did tell me that I owed money and when I said I did not they said you do and thats your problem. I called again to a third person and she said that I had 30 days grace to ask thst the interest fee be reversed, which would take away the {$600.00} times XXXX that theyre trying to charge meZ. And then she said I still had to pay the {$30.00} fee which is why XXXX actually here to complain. 

I want {$30.00} returned asap from this company. I do not owe them a XXXX. I paid my amount in full on time AND actually early by XXXX days. And if someone is still counting, I have never missed a payment with this company and my account was in perfect standing. But this isnt the first time that this company synchrony bank with XXXX XXXX has caused problems for me so this is the second time and thats why XXXX reporting them right now and I also want my {$30.00} back Because I had to pay it to close the account because everybody at their front line is their customer service phone. Well, theyre the ONLY designated ones you can reach and they dont have the power to reverse that fee. Per third call I made. 
Anyway, I would like to have this company corrected and I want the {$30.00} returned because this is terribly burdensome, inappropriate and its not sound business practices in the United States. I wasted my time and am very upset and for what. To be scared by a bank that I am in default? Ridiculous.

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