Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I've had so many issues with this bank ( Probably why they lost and paid a Class Action Suit In XXXX ). I closed my credit card in XXXX. When I called to cancel, I asked what was owed and when it was due? I was told I owed {$37.00} and it was due on XX/XX/year>. I sent it in electronically and it was received on XX/XX/XXXX. That's when the nightmare started. Below 's a letter I sent to XXXX XXXX, the CEO of Synchrony, but wanted to also send to you because today I had XXXX and XXXX tell me I now owe over {$9.00} and I have proof that my check for {$8.00} got there on XXXX XXXX. This company needs to be shut down as I see a lot of people online who also have issues with this credit card. Everyone gets the card because they teamed up with Amazon to offer 5 % cash back on all purchases, but what good is 5 % when they charge fees and interest, and never stop?! It's affecting the XXXX score for so many people. 

I look forward to hearing from you. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX, Im writing because Ive been having countless issues with your bank. The State Attorney General of Florida and Connecticut, and a supervisor at XXXX told me to contact you. They are all still working on this, but thought maybe this would help expedite things. I look forward to you taking care of this once and for all. I also hope you get your dispute resolution supervisors better trained!! 

I got my credit card because of Amazon and the 5 % credit. I had issues for years, so I finally called and canceled the CC on XX/XX/year>. Ive never been able to access my account because you had a phone number that wasnt mine, an email that wasnt mine, and you never sent out statements in the mail. I called to get my balance whenever I used my card. The representative would tell me how much and when it was due. 

When I called to cancel the card, I was told the remaining balance was {$37.00} and due XX/XX/year> which XXXX ( my bank ) says was paid on that day. 

In the end of XXXX this year, all of the credit bureaus sent me emails saying that my credit went down XXXX points for not paying my Synchrony bill. I have NEVER been late on any bill in my life. My FICO was XXXX and went down XXXX points. I called Synchrony and was told there was a {$45.00} late fee for the {$37.00} being late. I was told you didn't get my payment until XX/XX/XXXX. I told them XXXX said it was received on the XXXX but the Synchrony CS told me what matters is when they process it. Isn't this credit card fraud when you charge a closed account, don't notify me, then report me to the credit bureaus? 

The next pages are things Ive documented, and Ive sent to the Attorney Generals and XXXX. 

Also, Today I got an email from XXXX telling me that Synchrony now says I owe {$9.00}, yet XXXX says you got my payment of {$8.00} yesterday. See, its never ending. No matter what I pay, you keep telling me I owe more and every time, my XXXX scores goes down. 

I look forward to hearing from you once you have taken care of this. 
Thanks! 

XXXX XXXXXXXX XXXX XXXXXXXX, a C.S. rep at Synchrony hung up on me when I asked for a supervisor. 
I called back and got XXXX, who transferred me to XXXX, with the escalation team. She said I owe even more than the original {$45.00} and was a XXXX!! I told her to send me to someone else. I got XXXX, with the Escalation Team, who said I owed {$8.00} in interest. She said the fees were all taken care of, so she wasnt sure what XXXX was talking about. I told her Im so fed up, Ill send the {$8.00} in while were on the phone. I told her it was electronically sent from XXXX and XXXX get it on XXXX XXXX. XXXX was very nice and told me she documented everything and said once they get the {$8.00}, everything will be cleared up, and since the card has been canceled, there wont be any more charges from me or anyone. 

XXXX XXXX, 2024 I called at XXXX today. I spoke to XXXX, the escalation team supervisor who told me he took off the {$45.00} late fee, apologized, and said hed send me a letter showing the update. He said he was also sending it to XXXX, but it could take up to 10 days for them to get it. I then called XXXX and spoke to XXXX so he could document this update in my file. He said he was going to keep the second dispute open just in case Synchrony didnt do what they said theyd do. 

XXXX XXXX, 2024 I called XXXX today. The dispute department said since its an open case, theres nothing they can do right now, until they hear back from Synchrony. She did say that what they charged me, especially once the account had been closed prior to the bill being due, that there shouldnt be a charge. I told her Im willing to pay something, like {$10.00}, but {$45.00} is really steep for a {$37.00} bill, that was received on time. 

XX/XX/year> I called and canceled the CC on XX/XX/XXXX. I was told the remaining balance was {$37.00} and due XX/XX/XXXX, which XXXX says was paid on that day. This week all of the credit bureaus sent me emails that my credit went down XXXX points for not paying my bill. I have NEVER been late on any bill in my life. My credit was XXXX. I called Synchrony and was told the {$45.00} ( which I never knew about until I got XXXX email ) is a late fee for the {$37.00}. They didnt get my payment until XX/XX/XXXX. I told them XXXX said it was received on the XXXX but they told me its when they process it. 
Isnt this credit card fraud when they charge a closed account, dont notify me, then report me to the credit bureaus?

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