Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I made an internet purchase/order for a XXXX recliner. {$1100.00} I chose the XXXX  months equal payment option no interest. Which would begin after the recliner was delivered. I believe the recliner was delivered the week of XX/XX/XXXX. 
Before I got any statement I set up automatic drafts from my checking account in the amount of {$98.00}, to be received by the XXXX of each month. 
I never received a statement from SynchronyXXXX  until the closing statement for XXXX XXXX. 
The statement was a paper statement. When I opened the statement it showed charges for a paper statement fee {$1.00}, interest charges XXXX, and a late fee {$30.00}. I logged into my account and found that in XXXX, they had charged a {$1.00} paper statement fee. Which is hilarious because I never received a paper statement in XXXX. I was also never informed that they would be charging a paper statement fee. 
Therefore the interest charge and late fee stemmed from the XXXX paper statement fee of {$1.00}. 
Upon receiving the XXXX paper statement, I called and spoke to a representative, who after much research admitted that they had not sent notice of the new paper statement fee and that I had not been sent an XXXX statement. Synchrony refunded me the total of the paper statement fees, the late fee, and the interest for XXXX and XXXX. 
What they did not do is act in a timely matter and prevent the interest charge that was added in XXXX due to their incorrect charges in XXXX and XXXX. I never thought to ask them if they were going to charge me interest on charges that I did not actually owe. 
I signed up for paperless statements, still had my {$98.00} dollars automatically being paid electronically to the company every month. 
I was happy go lucky, not looking at my electronic statements that were coming in, because I knew that they were being properly paid by my bank. 
On XX/XX/XXXX, I reviewed my statement and saw that the minimum payment due was {$180.00}! I logged into my account thinking that my bank had not sent a payment. I had not expected to find Synchrony had charged me {$2.00} interest on the charges that they had refunded. They did not stop the interest charge ( due to their mistake ) on the XXXX closing statement. So it showed up on the XXXX statement. And as I said I had my bills automatically paid. Never worrying that Synchrony would pull such an underhanded trick. 
XX/XX/XXXX I was charged {$2.00} interest. I did not look at my statement. 
XX/XX/XXXX I was charged a {$41.00} late fee ( Due to the {$2.00} interest charge that Synchrony failed to nullify during the dispute ). 
XX/XX/XXXX I was charged {$2.00} interest. 
XX/XX/XXXX I was charged a {$41.00} late fee. 
XX/XX/XXXX I was charged {$2.00} interest. 
XX/XX/XXXX, I called SynchronyXXXX. First I spoke with a phone representative who absolutely did not understand that once again Synchrony had caused the problem by not correcting all the interest charges. 
I then spoke to a supervisor who understood what I was telling her, but would not rectify the situation without sending it on to be investigated. 
I told her to go ahead and send it to be investigated. I know you understand exactly what happened. I told her I would be filing a complaint with CFPB. I also told her I will not pay the interest and late fees, that this was a perfect scam. More like predatory lending. 
The balance that I owed for the recliner, without the late fees and interest is {$580.00}. I explained to the supervisor that I would not be paying the {$88.00} in interest and late fees. I told her I would be paying the {$580.00} in full. My bank is scheduled to electronically send it on XX/XX/XXXX. It will arrive on XX/XX/XXXX. 
I also told her that I am a XXXX XXXX XXXX woman with excellent credit. My current FICO is XXXX That I will dispute anything they put on my credit reports. Either way, I'm not worried about it.

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