Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I spoke with Synchrony Bank representatives XXXX and XXXX. XXXX informed me that if I pay the actual balance due of {$3900.00} by XX/XX/year>, all interest charges accrued since the beginning of the year on my account will be waived. The interest fees that had suddenly appeared on my account were {$6800.00}. She noted the account with her name attached to the notes. XXXX confirmed this during my conversation with her. I requested written confirmation for my records but was told that they didnt have the ability My initial understanding when I took out the card was that I would have XXXX  months of XXXX percent interest on this card. I took the card out XXXX XXXX ago. A few months after receiving the card I was erroneously charged interest and had to request a correction. I believe that is when without my knowledge or consent the terms changed to deferred interest and the length of the promotion was erroneously shortened. My old statements should reflect this. When I received this new bill I believed this was the same situation and was looking to have the XXXX percent extended and the interest fees waived. 
I was willing to settle the account by paying the balance in full if the interest fees were waived. I sent a letterto this effect via certified mail to Synchrony XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but received no response. I also spoke via chat with a representative and have screenshots with the same information. 
I decided given the screenshots and additional conversation, to make the payment I was told to make in the amount of {$3900.00} on XX/XX/year>. I also had made a payment of {$400.00} on XX/XX/year>, after speaking with XXXX and XXXX. The amount due on my XXXX statement was {$11000.00}. On XX/XX/year>, I logged on expecting to see XXXX balance, instead seeing a charge of {$180.00}. A representative said we had received the wrong payoff amount and the new charge was left over from the original payment. We authorized payment. Today we found an interest charge of {$220.00} added to account. One representative said it was interest on the interest fees that had been waived. Account XXXX XXXX went through the statements and did the math 4 times, saying by the figures she saw on the XXXX and the activity sincve, we had overpaid {$240.00}. 
The numbers on the XXXX statement showed an account balance of {$11000.00} of which {$6800.00} were sudden interest fees. The balance due when fees were removed would have been {$4200.00}. We made payments in the amount of {$4500.00} including the {$180.00}, The difference is overpayment in the amount of {$240.00}. 
We requested a review but was told that could take 30 days. We called back, closed the account and paid the balance showing in fear of accruing additional charges. The representative assured us we would receive a letter stating XXXX balance owing now. However we need to be reimbursed for the {$240.00} we overpaid and the {$220.00} in interest fees that should never have been added to account. 
We requested a review and reimbursement of overpayment and of continuing interest fees after paying off account balance to have interest waived as agreed but are not receiving any type of cooperation nor customer service.

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