Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The letter below ( with personal info deleted ) was sent to : XXXX XXXX Synchrony Bank TJX Rewards Platinum Mastercard XX/XX/XXXX This dispute is in reference to interest and fees on the above account. I did not receive a bill in XXXX and noticed that there was an unpaid amount due in XXXX. I immediately paid the bill online and called customer service on XX/XX/XXXX to request waiving the fees and interest that had been applied. 

The customer service agent waived the fees but would not waive the {$2.00} in interest. I told her that I have never paid a bill late and did not believe that I owed the {$2.00} and she refused to accommodate. I then closed the account. 

The next month I received another bill with more fees added on to the {$2.00} interest carried forward, so I called on XX/XX/XXXX and spoke to XXXX who repeated that the agent cant waive the interest and there was a one time courtesy every 12 months but still could not waive the interest. XXXX transferred me to a supervisor. XXXX, the Collection Manager, said that it is a bank policy that no one has the ability to remove interest charges. I repeated that I did not believe that I owed the interest ( and now more fees ). 

I then received a replacement statement from Customer Service with another {$6.00} fee and interest in XXXX. 

On XX/XX/XXXX I called Customer Service and spoke to XXXX and ask him to please tell me what other avenue I had to dispute these fees, he stated that there were no other remedies available to me except to pay the new balance on the closed account which I believe is now {$14.00}. After pressing XXXX on the lack of any dispute resolution process, he reluctantly gave me the address of Corporate Escalations for Synchrony Bank thus this letter. 

Please consider this letter as a formal request to credit all interest and fees on this closed account and put this matter to rest. I have spent over 3 hours on the phone with the combination of calls to Customer Service- all over {$2.00} in interest on I bill that I did not receive in the mail ( probably a Post Office problem ). 

Why do I care about this so much? Because it is the principle of the thing. I have never paid interest or fees on any credit card in my life. I pay my bills in full on time. 

FYI, on all three occasions the customer service rep hung up prior to me being allowed to answer the phone survey at the end. This did not seem right to me how do you ever measure customer satisfaction when you hang up on the dissatisfied customers? 

Thank you for your attention to this matter. '' I received a reply on XX/XX/XXXX from Synchrony Bank stating that they were unable to fulfill my request ... ... ... .... 

I now believe that I did not recive a billing statement from Synchrony Bank because they started charging for mailing statements in the spring ( I do not use this card often ). 

I simply want my clean record wiped clean on this closed account that all started over {$2.00} in interest payment that I did not believe that I owed. 

I have had many credit cards for over 55 years and have never had a fee or interest charge on any account. This is the first time I have ever dealt with Synchrony Bank or XXXX and would NEVER do business with them again. 

This credit card dispute over {$2.00} has been abusive to me the consumer and cost alot of resources on both the banks end and on mine.

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