Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I currently have XXXX sewing machines financed through Synchrony Bank. The sewing machines are XXXX interest until maturation date of deferred interest. As I have made my monthly payments I had notices the payments were intentionally divided and not applied to a machine that interest would mature in XX/XX/year> that had a balance of {$560.00}. I called to ask how do I have my payment made toward that machine, and I was told to call and make an additional payment via ACH. I did as I was told and made a {$360.00} payment over the phone with a customer service representative, she guaranteed that the additional payment was applied to the {$560.00} balance. When I checked the account again I found that of my payment of {$360.00} only {$150.00} was applied to the machine that I asked. The company applied the remaining {$200.00} to a previously finances machine that was paid in full in XX/XX/year>. When I called Synchrony Bank to inquire about the problem, I was told it would be corrected. I received a letter from Synchrony stating the problem had been corrected. Suddenly the previous paid in full machine was taken off my account the way it was in XX/XX/year> when it was paid off and the remaining {$200.00} was applied correctly to the machine intended leaving the balance of that machine now {$190.00}. But XXXX added the {$200.00} back to my overall balance of the XXXX financed machines. The balances of the XXXX machines are {$250.00}, {$700.00} and {$190.00} totaling and balance {$1100.00}, however Synchrony had my overall balance as {$1300.00} because the never removed the {$200.00} that they intentionally did not apply in my original payment of {$360.00} that was to be applied to a specific machine because they are hoping that the balance of that machine would not be paid by XX/XX/year> so they could charge the deferred interest of {$170.00}. As a matter of fact for the nearly entire year that the machine was financed they had not applied a single portion of my monthly payments to that machine, which is why I began to inquire on how to pay the balance down. Now when I called Synchrony Bank to find out why my balance owed verses the balance of each of the XXXX machines added up did not equal and were off by {$200.00} as the customer service representative saw the mistake and stated she would note the mistake and then transferred me to an account representative, who was clearly uninterested in being helpful and eventually hung up on me because I apparently caught him at a bad time outside with the wind clearly blowing in the background. He was very combative and only offered that it would take XXXX billing cycles for the error to be corrected. I am not waiting XXXX days for them to correct their mistake. I then made my next monthly payment with the intention to then call and make the additional ACH payment to pay off the {$190.00} balance of the XXXX machine before it reaches its interest maturation date next month, but I noted that the {$200.00} has yet to be adjusted and that they had posted my {$120.00} payment to my overall balance but had not applied it to the balance of any of the XXXX machines. Also the machines that were financed were are XXXX interest that was deferred however I have been charged interest every month plus deferred interest on machines that werent paid in full before the maturation date. I have had XXXX department credit cards financed by Synchrony Bank. My first account was Rooms to XXXX XXXX to which I purchased a couch with 6 months XXXX interest. I paid the couch off within 45 days and shortly after not even a year later they closed my account, which then lowered my credit and triggered my remaining XXXX department cards financed by Synchrony Bank to close all of my accounts intentionally dropping my credit because they werent making money on interest. The financial institution is beyond corrupt.

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