Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I sent a letter XX/XX/XXXX and still am receiving a {$160.00} charge on my account and it is saying I am late. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX | XXXX Date : XX/XX/XXXX CareCredit / Synchrony Bank Attn : XXXX Customer Relations XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Subject : Urgent : Account Minimum Payment Adjustment Hello, I am writing regarding my CareCredit account ( last 4 digits : XXXX ). {$1900.00} in Payment Security/Non- Payment Insurance charges have already been refunded. Despite this, my minimum payment still includes {$160.00} that I am not responsible for. 
I previously discussed this matter with Representative XXXX ( ID XXXX ), who advised that it can not be adjusted at her level. Phone representatives and lateral supervisors have repeatedly told me this can not be done because the system generated the minimum. This is incorrect. I am requesting : 1. The account minimum be corrected immediately to reflect only my actual balance.

2. Written confirmation that I am not responsible for the {$160.00} refunded charge. 
3. Assurance that my credit will not be affected for refusing to pay a charge that does not exist. 
Please escalate this immediately to the department with authority to resolve this matter. I am ready to pay my actual balance once this correction is applied. 
Account Info for Verification : Last 4 digits of CareCredit card : XXXX Full name on account : XXXX XXXX XXXX Date of birth : XX/XX/XXXX Billing address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Attached : Printout of {$420.00} payment confirmation covering the actual balance only. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX CARECREDIT/SYNCHRONY BANK XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Statement Closing Date : XX/XX/XXXX Summary of Account Activity Previous Balance {$16000.00} + New Purchases {$0.00} - Payments {$420.00} +/- Credits, Fees & Adjustments ( net ) ( {$1900.00} ) +/- Interest Charge ( net ) {$410.00} New Balance {$14000.00} Credit Limit {$15000.00} Available Credit {$450.00} Days in Billing Period 31 Pay online for free at : XXXX For Synchrony Bank customer service or to report your card lost or stolen, call ( XXXX ). 
Best times to call are Wednesday - Friday. 
Payment Information New Balance {$14000.00} Minimum Payment This Period {$600.00} Amount Past Due {$160.00} Total Minimum Payment Due {$770.00} Payment Due Date XX/XX/XXXX PAYMENT DUE BY XXXX XXXX EASTERN ON THE DUE DATE. 
We may convert your payment into an electronic debit. See reverse side. 
Late Payment Warning : If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to {$41.00} and your APRs may be increased up to the Penalty APR 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 additional charges using this card and each month you pay... 
Only the minimum payment You will pay off the balance shown on this statement in about... 
And you will end up paying an estimated total of... 
27 years {$48000.00} If you would like information about credit counseling services, call XXXX. 
Transaction Summary Tran Date Post Date Reference Number Description Amount XX/XX/XXXX XX/XX/XXXX XXXX REFUND OF DEBT CANCELLATION FEE ( {$1900.00} ) XX/XX/XXXX XX/XX/XXXX XXXX PAYMENT - THANK YOU ( {$420.00} )

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