Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Letters & statements attached showing : XX/XX/XXXX Dispute sent to : Synchrony Bank XXXX : XXXX Re : account # ending : XXXX The attached sales order has an incorrect address for me in XXXX XXXX. I got this copy from XXXX XXXX today. I dont know when the address was corrected to my actual address above, but I have never received statements from Synchrony Bank regarding this purchase. I paid monthly by automatic draft from my checking account. Then, I noticed that there was a draft from my checking account on XX/XX/XXXX for {$51.00} - so I called Synchrony to find out why. I was told deferred interest was added and I have a balance. 
Due to this sales order invoice that is incorrect, I am requesting the interest be credited back to my account and I will pay any balance in full as soon as it is. This contract is not valid due to the incorrect address. If you do not credit the interest charge of {$460.00} to my account BEFORE another draft from my checking account occurs, I will contact the XXXX Attorney Generals Office to have this deferred interest charge resolved. 

IMPORTANT ADDITIONAL INFORMATION TO CFPB XX/XX/XXXX : Please see the attached dispute letter that I sent to Synchrony Bank XX/XX/XXXX. They told me it will be sixty days before a resolution will be mailed to me. 
To clarify the information attached, I want to point out that the original contract is not valid because the address change on it is not initialed and dated by me. Also, I never authorized paperless statements. On XX/XX/XXXX XXXX, a Synchrony XXXX, said that I enrolled in e-billing on XX/XX/XXXXXXXX XXXX XXXX XXXX and an email was sent regarding my acceptance of paperless documents. I didnt log on XX/XX/XXXX and I never accepted paperless documents. The XX/XX/XXXX email was a summary email only, which was the same type of summary email that I received each month. The first time that I logged on was XX/XX/XXXX when I called Synchrony ( see attached dispute letter ) and I was told that my user name was my email. Please see the attached account information from XX/XX/XXXX which shows my statement balance and that it is due XX/XX/XXXX, when I would have been XXXX years old. This clearly shows that Synchronys system and my billing with Synchrony have extreme errors. The screen shot showing the XXXX date was attached to the XX/XX/XXXX email billing summary. 
I would like my total original deferred interest charge as of the XX/XX/XXXX statement ( due XXXX XXXXXX/XX/XXXX ) credited back to my account ( plus any accrued interest during the duration of this dispute to be due in the future ). Note : XX/XX/XXXX statement shows the deferred interest charge at that time of {$460.00} ( attached ) on the dispute letter to Synchrony ( attached ). Today, I tried to logo on to the Synchrony website and as has been the case every time in the past XXXX months, I cant logon using my correct username and password - of which I successfully used only one-time on XX/XX/XXXX to log-on, while I was on the phone with synchrony.

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 monetary relief