Consumer complaint received 2025-05-12 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: CO

Complaint narrative:
b'Subject: Follow-Up Complaint Regarding Unfair and Excessive Fees, Misapplied Payments, and Account XXXX Complaint ID: XXXX (Completed on XXXX)XXXX XXXX  am reaching out regarding my CareCredit account ending in XXXX. After thoroughly reviewing my payment history, fees, and interest charges, I have identified several discrepancies that I would like to address.XXXX Discrepancy in Fees and Interest ChargesXXXXThe website indicates that my total fees and interest charged year-to-date amount to XXXX. However, after manually calculating each fee and interest charge, the actual total is XXXX is a breakdown of every fee and interest charge applied to my accounXXXX XXXX XXXX XXXX XXXX Returned Payment Fee XXXX XXXX Adjustment Fee - XXXX  Adjustment Fee XXXX XXXX: Returned Payment Fee XXXX XXXX  Interest Charge on Purchases - XXXX Interest Charge on Purchases - XXXX  Interest Charge on Purchases XXXX XXXXTotal Fees and Interest ChargedXXXX XXXX XXXX XXXX XXXX between the website statement and actual charges significantly impacts my balance, and I would appreciate an explanatioXXXX. Balance Calculation DiscrepancyXXXX original balance was XXXX  have made the following payments totaling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubtracting these payments from the original balance, the expected remaining balance should be around XXXX  before fees and interestXXXX the correct fee and interest total of XXXX the remaining balance should be approximately XXXXWhile this matches the current balance shown, it does not align with the fee breakdown provided by the websiteXXXX. Payment and Fee IssuesXXXX understand I missed the XXXX XXXX payment, but I subsequently made XXXX  payments in XXXX  (on the XXXX  and the XXXX) to address thisXXXXDespite making these payments, I was charged a late fee on the same day the payment was due (XXXX), which seems unreasonable and unfairXXXXAdditionally, I have noticed ongoing interest charges labeled as on purchases, even though I have not made any new purchases at allXXXX Account Accessibility IssueXXXX experienced ongoing issues accessing my account online prior to filing this dispute, which impacted my ability to stay current with payments.XXXX  was only able to access my account again after initiating the dispute process, which may have contributed to the confusion regarding payments and fees.XXXXAttached are photos of my handwritten calculations showing all payments made and fees charged since the account was opened, with a detailed breakdown of discrepancies between the expected and current balance.XXXXResolution Request:XXXX kindly request a detailed review of my account to address the discrepancies outlined above.XXXX believe that my remaining balance should be significantly lower, given the payments made and the excessive fees charged. I am seeking a fair resolution to close my account in good standing without overpaying due to erroneous fees.XXXXThank you for your prompt attention to this matter.XXXXBest regardsXXXX XXXX XXXX

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