Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
On XXXX XXXX I made a promotional purchase on my synchrony care credit credit card. The amount was for {$770.00} and my promotion was set to expire in 12 MONTHS. My monthly payments were being paid BEFORE TIME. I was approved to upgrade my care credit card to a care credit Mastercard with savings & perks to be used wherever Mastercard is accepted ; so I started using my card everywhere. I paid off EVERY STANDARD PURCHASE & made payments towards my PROMOTIONAL {$770.00} purchase. In XXXX on the XXXX before my bill was due on XX/XX/XXXX. I made a HUGE 1 time payment in the amount of {$1400.00} & I called to tell the customer service representative to ALLOCATE/ APPLY/ PUT/ etc my payment towards ALL standard purchases. I checked my bill in XXXX & my money WAS NOT applied correctly, my payment of {$1400.00} was used to pay off my 1 YEAR PROMOTION. I was very upset & I called back in & I was told it will be corrected but it takes up to 2 billing cycles. I waited until XXXX, my account WAS NOT corrected & there were 2 interest charges on my account the XXXX one was for {$25.00} XXXX XXXX & the next was for {$23.00} XXXX XXXX. I made a call & I spoke with a manager name XXXX I explained to XXXX after explaining the problem to 6 other representatives who recorded & have transcripts of all my calls turned complaints! XXXX stated I see the problem, we made an ERROR, Im sending the issue over to my teams who can reverse & allocate the money in the manner you requested & intended. I had to repeat 6 times in the first 3/months Im not paying off my 1 YEAR promotion! Im paying ALL STANDARD PURCHASES, if you dont pay a standard purchase in FULL the balance of whatever you leave will be charged INTEREST! MADE IT VERY CLEAR, WHY WOULD I PAY MY PROMOTION OFF BEFORE PAYING MY STANDARD PURCHASES OFF? Im being CHARGED INTEREST UNFAIRLY! Thats illegal to charge me interest on a promotional offer that clearly states, if this promotion is paid off in one year from the date of purchase with monthly payments there will be NO INTEREST! Now I have 2 more interest charges {$18.00} XXXX  & {$15.00} XXXX. I DO NOT OWE ANY INTEREST, I have a second promotion on my account that I charged in XXXX on the XXXX for {$520.00}. Its also a ONE YEAR PROMOTION, its on my account, its correct but my other promotion is still showing paid in full & I did not want it paid in full & I want my account CORRECTED WITH MY TWO PROMOTIONS & ALL INTEREST FEES DEPLETED! I dont owe ANY INTEREST & after this is resolved Ill be happy. I spoke with XXXX XXXX on XX/XX/XXXX @ XXXX XXXX who stated she sees the entire transcripts from XXXX through XXXX but she had no authorization or authority to fix the account. XXXX transferred me to XXXX XXXX but he couldnt figure out if he was a representative or manager & he was not helpful in any way.

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