Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchronicity Bank aka Care Credit has been handling my account in an unethical manner and I need assistance as they refuse to communicate with me to find a resolution. 
I opened my care credit account because of some urgent dental work that I needed done. The account I opened was a no interest for 1-year account. In opening this account, I received no mail, email or calls. This went on for a couple of months, to the point where I took initiative and reached out to them. They treated me very poorly in this instance and I was merely trying to handle this credit responsibly and avoid any interest. Even after this call I still received no communication. 
I reached after several more months, at which point I spent several hours on the phone as this organization had apparently entered my address, email and phone number in correctly in their system. Giving me no way to respond to or pay for this bill. I had to go to great lengths to have everything sorted out as to avoid any additional payments because a good portion of my 12 months with zero interest had run out by this time. 
Once this was settled I placed them on my auto bill pay through my XXXX bank account. Even though bills werent due until the end of each month I set up my account to pay at the beginning as to further ensure that I avoided any additional fees. 
Having never experienced any issues with a merchant that I paid monthly in this manner I assumed my account was set. However, I noticed on my most recent statement that the principal wasnt decreasing. I called on a few occasions and couldnt receive assistance because of their lengthy call time waits. 
Today, I was finally able to put in the time to wait to sort this out. I was informed for the first time ever that they were charging me a late fee because I was paying my bill each month 2 days prior to them posting my statement. Essentially, I am being penalized for paying my bill too early. So, they have now assessed me several hundred dollars in late fees because I have paid each month early. 
I requested to speak to a senior supervisor as the customer care agents ( who operate out of XXXX ) were thoroughly uncaring about this unethical and refused to help me. I was refused an opportunity to speak to a supervisor and I am now reaching out to the XXXX as I need help with this extremely unfair and unethical business and their crooked practices. 
I spoke to agent XXXX XXXX ID # XXXX today and I explained that this would be my recourse given their unwillingness to do the right thing. 

I simply want this company to do the right thing and remove the incorrect late charges on my account. I believe this totals {$340.00}. I want my billing adjusted accordingly. And if this has in any way impacted my credit I want that rectified. This would include notifying credit reporting agencies and providing me with documentation that proves that this matter was a mistake on their part and that anything on my record should consequently be removed.

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