Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I filed a dispute back in XX/XX/XXXX. In reviewing my account XXXX I have found an error that the credit card made. In the following months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX checking account XXXX had an automatic payment for XX/XX/XXXXmonthly for a purchase Ref number of XXXX. This amount was not withdrawn but a smaller portion. This was started in XXXX of XXXX. The automatic payment of {$150.00} this never changed. An additional purchase was made XX/XX/XXXX for {$1300.00}. Payments started in XXXX of XXXX. These payments were made manually to Ref. number XXXX These payments varied from {$60.00} - {$110.00} from checking account XXXX. What I found was that instead of taking the automatic payment of {$150.00} out of checking account XXXX that was set for ref number XXXX and applying the total amount to this ref number they only took the balance of what was left after the manual payment was made. So that we would never have gotten XXXX payments of {$150.00} made to defer the interest. This was on in the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and in XXXX of XXXX. In XXXX of XXXX they started to take the correct automatic deduction of {$150.00} from checking account XXXX and applied it to ref number XXXX. A manual payment was also made from checking account ending XXXX in this month of {$110.00} and it was applied to ref number XXXX. In XXXX of XXXX they applied the automatic payment of {$150.00} from checking account XXXX and applied it to ref number XXXX and took a manual payment from checking account XXXX of {$60.00} and applied it to XXXX. If they had taken the XXXX payments from checking account ending in XXXX in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and XXXX of XXXX for ref number XXXX this account would have been paid off as of XX/XX/XXXX, prior to the deferred interest due. In addition to this a payment of {$150.00} was taken out of checking account XXXX for the month of XX/XX/XXXX and XX/XX/XXXX making an overpayment of {$300.00} for ref number XXXX. They also have stated that they did not take a payment of {$150.00} out in XXXX of XXXX however the statement shows otherwise and the bank statement shows an amount removed on XX/XX/XXXX for {$150.00}. For the account ref number XXXX due to the way they took the payment out in our error we missed payments in the amount of {$440.00} on this account as of XX/XX/XXXX. I paid the amount of {$440.00} to day XX/XX/XXXX. That is the amount owed from their discrepancies on ref number I filed a dispute back in XXXX. In reviewing my account XXXX I have found an error that your credit card made. In the following months XXXX, XXXX, of XXXX checking account XXXX had an automatic payment was up for XX/XX/XXXXmonthly for a purchase Ref number of XXXX. This was started in XXXX of XXXX. The automatic payment of {$150.00} this never changed by we and remained {$150.00}. An additional purchase was made XX/XX/XXXX for {$1300.00}. Payments started in XXXX of XXXX. These payments were not automatically made but where made manually to Ref. number XXXX These payments varied from {$60.00} - {$110.00} from checking account XXXX. What I found was that instead of you taking the automatic payment of {$150.00} out of checking account XXXX that was set up you applied the manual payment to the Ref. number XXXX and only took the balance of {$44.00} or {$37.00} out of checking account XXXX and applied it to ref number XXXX. You did this in the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and in XXXX of XXXX. In XXXX of XXXX you started to take the correct automatic deduction of {$150.00} from checking account XXXX and applied it to ref number XXXX. A manual payment was also made from checking account ending XXXX in this month of {$110.00} and it was applied to ref number XXXX. In XXXX of XXXX you applied the automatic payment of {$150.00} from checking account XXXX and applied it to ref number XXXX and took a manual payment from checking account XXXX of {$60.00} and applied it to XXXX. If you had taken the XXXX payments from checking account ending in XXXX in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and XXXX of XXXX for ref number XXXX this account would have been paid off as of XX/XX/XXXX, prior to the deferred interest due. In addition to this a payment of {$150.00} was taken out of checking account XXXX for the month of XX/XX/XXXX and XX/XX/XXXX making an overpayment of {$300.00} for ref number 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