Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
FIRM/SYNCHRONY XXXX XXXX XXXX  Summary of Account Activity Previous Balance + New Purchases - Payments.

+/- Credits, Fees & Adjustments ( net ) +/- Interest Charge ( net ) New Balance Credit Limit Available Credit Overlimit Amount Days in Billing Period {$2100.00} {$0.00} {$76.00} {$0.00} {$2700.00} {$4800.00} {$2400.00} {$0.00} {$2400.00} 29 Pay online for free at : synchrony.com/home For Synchrony Bank customer service or to report your card lost or stolen, call XXXX. 
Best times to call are Wednesday - Friday. 
XXXX XXXX Account Number : XXXX XXXX XXXX tement Closing Date : XX/XX/XXXX Payment Information New Balance Total Minimum Payment Due Payment Due Date PAYMENT DUE BY XXXX XXXX EASTERN ON THE DUE DATE We may convert your payment into an electronic debit. See reverse side. 
{$4800.00} {$170.00} XXXX XXXXXXXX XXXX XXXX in y america you Tol above, you may have to pay a late fee of up to {$41.00} and your APRs may be increased up to the Penalty XXXX of 39.990 % Minimum Payment Warning : Making only the Total Minimum Payment Due will increase the amount of interest you pay and the time it takes to repay your balance. For example : If you make no You will pay off And you will end up additional charges the balance shown paying an estimated using this card and on this statemer total of each month you about. 
pay... 
Only the minimum 18 years {$15000.00} payment {$200.00} 3 years {$7400.00} ( Savings = {$7700.00} ) If you would like information about credit counseling services, call XXXX Promotional Purchase Summary Promotional Promotional Expiration Balance Billed Interest Charge Tran Date Description Date EXPIRED {$4800.00} {$2700.00} XX/XX/XXXX Deferred Interest/No Interest If Paid In A summary of your promotional purchase is provided above. 
t you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charge on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Dat To make more than one payment see Make Payment To address or pay online at synchrony.com. 
Transaction Summary Tran Date Post Date XX/XX/XXXX XX/XX/XXXX Reference Number XXXX XX/XX/XXXX XX/XX/XXXX Description PAYMENT - THANK YOU FEES TOTAL FEES FOR THIS PERIOD INTEREST CHARGED INTEREST CHARGE ON PURCHASES TOTAL INTEREST FOR THIS PERIOD XXXX Totals Year-to-Date Total Fees Charged in XXXX Total Interest Charged in XXXX Total Interest Paid in XXXX {$110.00} {$2700.00} {$2.00} * NOTICE : See reverse side and additional pages ( if any ) for important information concerning your account. 
Pay online at synchrony.com or enclose this coupon with your check. Please use blue or black ink. 
Payment Due Date New Balance loal Minimum Payment Due XXXX XXXX XXXX XXXX XXXX synchrony.com ~ Initial Purchase Amount {$4500.00} Amount ( {$76.00} ) {$0.00} {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX SYNC... 
Account ending in XXXX Your payment is due in 20 days. 
XXXX XXXX  {$170.00} Total Minimum Payment {$4800.00} Current Balance - {$2400.00} Available to spend XX/XX/XXXX Payment Due Date Where did XXXX go to if I owe this much {$2100.00}. Now the balance is XXXX. I get the deferred interest ran out but shouldnt it be on what I owe!! Not from the beginning balance. This is 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