Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am on a fixed income and I have two PayPal accounts with Synchrony. I mixed up the dates back in XXXX and havent been able to make more than the minimum payment. Back in XXXX they resided to reverse the late fee. Putting further i to debt as I had other debts and I could only afford to make the minimum payment. I continued making my minimum payments to no avail because they didnt consider the payments and continued to begin the collection process. 

I call in my payments because I am unable to make the payment through my PayPal account due to two years of back and forth with Synchrony and their partners PayPal that did not want to take accountability for my payment to PayPal credit being reversed and PayPal taking the money directly from debit cards. I had ser my payment preferences be sue I have been on a fixed income for a while and have been micromanaging my payments. 

I finally decided to remove my debit Cards from my PayPal account and call in the payments every month. 

When I making my XXXX payment the amount t die was mor than my minimum payment and I explained that I missed the payment because I mixed up the date. I actually called them right back when I realized I had mixed up the dates to explain and ask them to waived this fee it hadnt even been three days. They refused on account that the charge was not there. So I waited until XXXX to ask them, they declined but I made the minimum payment anyway. This happened to me recently with two other creditors because I was having trouble with my apps due too the fact that I have an XXXX XXXX that does not sustain the new technology in the apps. 

PayPal was the only creditor that refused to work with me. I offered to pay the full balance of my debt as long as they waive the late fees since last week and they said they would only waive one. This is after they assessed late fees on my XXXX account since XXXX alleging was late with my payments, ignoring the fact that I made minimum payments. 

I called twice this week yesterday and asked the call to be escalated to a Supervisor and all he said is that he could only waive one late fee. I replied that it was so convenient for them to waive one fee after several months of adding late fees even after I was making my minimum payment. 

I got frustrated and stopped making payments in XXXX to both accounts because my credit was ruined and the collection activities did not cease even after I was making minimum payments. The late fees continued and I had to place a cease and desist on the calls. 

Today I called with my last attempt to negotiate the debt and they routed my call to XXXX XXXX XXXX where I was asked about a XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had no idea it was the same company. I dont understand why they are not answering my calls in customer service and why they want to collect a debt where the statute of limitations ran. All I can think of is that this is premeditated to ruins my credit and place me in a disadvantage by lowering my credit score. In the eve of the social credit system with digital currency it is not so far fetched to think that this is exactly what is be done to unsuspecting consumers experiencing hardship. It is no secret that we are in dire economic times and it behooves me to understand why these creditors are refusing to negotiate the contract before ruining the credit of their customers. XXXX did the same thing with the care credit account. I had just lost my job and was receiving unemployment and I was late I begged them not to close my account because it was for my dogs and they didnt negotiate then either. All the moneyI paid them while I was on unemployment went to waste because of the late fees that brought the balance back up. It seems like folks are into the business of disenfranchisement of the consumer not sure what their profit incentive is. I hope you can assist me because I am not avoiding to make the payment.

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