Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony bank is the worst! I hate doing business with them. The have caused me so many problems. The latest is my XXXX Credit Card. I never got my statements so I missed a payment in XXXX. When I called to ask about why I haven't received anything, the lady told me they had sent statements to an email address I don't use, and that I asked for online statements, which I did not, and the address they had on file was the wrong one. I gave her my correct information, and she said she would correct it, and she took my payment over the phone, which I said I wanted to pay it off in full because I am sick of their mistakes and told her to put me on autopay so I don't have anymore problems with this and she said ok. She said she took the payment in full, {$40.00} some XXXX, and said they would not charge me a late fee. So I thought I was done with them because I made no more purchases. Then all of a sudden, I get a bill in the mail last week ( the end of XXXX ) saying I am in danger because I am past due, etc. and I called them to ask what where the talking about, I paid it in full in XXXX. The rude lady said no I didn't, I said yes I did. I explained everything to her, and she said they charged me a late fee and interest, I had to pay everything right now, and that I would have to pay interest of {$3.00}. I told her that was not fair, it was Synchrony 's fault because I paid in full in XXXX, the lady said it was paid in full, and there was no late fee. So they snuck a late fee in there, did not bother to send me any notifications, until more than 2 months later, and using this as an excuse to charge me interest. I said that's not fair, I want a supervisor. She gave me this really rude guy named XXXX who kept talking over me and would not remove the interest fees. This is highway robbery! It was their fault in XXXX! They consistently are dishonest. They charge {$1.00} for getting paper statements. I have over XXXX different Synchrony accounts, and they each one to charge {$1.00} for paper statements! This is discrimination against the elderly! I don't have a computer. I have to wait until I can borrow someone's so I can read emails, etc. Why do they want to punish elderly and poor people who don't have access to the computer for paper statements! No other credit card/bank company charges for statements, only Synchrony. Furthermore, when I do have an opportunity to log in, I can not get my statements. It keeps telling me it is unavailable. So I can't even view my statements to see what I am being charged for and see if there is any fraud. This is so unfair! I just logged in, and I can not view my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, which won't even let me sync into the main Synchrony page so I can see them all together. This company makes it hard for people then takes advantage of them by dishonest practices and illegal interest fees and gouging. I can't stand this horrible company. And I want my {$3.00} in interest refunded to me from the XXXX 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 monetary relief