Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year>, I called into Customer Service at Care Credit and spoke to " XXXX '' with Reference # ( I will not state here publicly ) to have a payment allocated of {$100.00} that I worked hard for to pay off XXXX separate " Standard Purchases, '' only for now. Each standard purchase was a different amount, ranging from around {$14.00}, {$63.00}, and {$27.00}. The full {$100.00} I paid to them was to pay those off directly so that I would not get any more " Interest Fees '' tacked on to my monthly bill. 

It is now XX/XX/year>, at XXXX PM. I called customer service again because I noticed my XXXX payment and XXXX are showing the same amount of interest fees AGAIN of " {$11.00} ''. There should not be any interest fees until XX/XX/XXXX, when my next " 6 months/no interest if paid in full/deferred '' is due for a different dental work purchase. This means in XXXX and XXXX, I should be able to make payments with no tacked-on Interest Fees. Why am I still being charged? On top of that, I am still showing XXXX standard purchases on my account of amounts of : {$0.00}, {$5.00}, and {$15.00}. Why are these still showing up when I literally called in XXXX and told XXXX and the " back-end team '' to please pay off all Standard Purchases with the {$100.00}? Which, by the way, they told me on the phone that the amount in total was a bit lower than what I was giving them, so I would likely get a bit of a refund after the {$100.00} was allocated. 

I am super upset, as on the phone today, XX/XX/XXXX, the lady could not tell me where they allocated the payment, what the amounts were, and why I am still being charged. Now she is saying it will take 1-2 billing cycles to kick in. This is ridiculous. I am POOR. I can barely afford my {$35.00} minimum bill a month to them. I will be going to my bank and transferring the fees at this point for XXXX  months with XXXX interest because this is really messed up of Care Credit not to care about their customers, and they barely speak XXXX. " Sorry '' does not fix your mistakes. I took time out of my life to purposely allocate this payment and you guys still want to XXXX me over at Care Credit. I am closing my account soon and I am done with them. If they dare try to get me to pay that interest fee XX/XX/year> and tack on a late fee, I am going to sue them for wrongful payment and no explanation given. It is funny to how I can no longer see my " Paperless statement from XX/XX/XXXX and prior the past few months. I have no access to it now. Someone " unenrolled '' me into it and they charge {$1.00} a month on top of the bill too to be sent via mail.I did not want any of that. I wanted paperless for a reason since it is free and so I could track what was happening with the payment allocation this last month and my account. I no have no proof and no records to give to bureau because Care credit is blocking me from doing so basically. Something is extremely fishy here!

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