Consumer complaint received 2025-05-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I have an account with this company ( Synchrony bank ), I actually have had one closed out through them and now two ongoing, no prior issues until now. This 3rd account is opened under an XXXX XXXX account. Signed for a contract of 6 months interest free payments through this 3rd party company of XXXX $ a month for 6 months, I have dealt with this type of account before unless they of course have changed things. I set up my account normally as I have these two other times I have used this bank, set up auto pay and to my knowledge put down for the XXXX $ per month. Later on I check back recently and only XXXX $ is being pulled causing interest past end of contract date I understand which was in XXXX of this year and I opened the account in XXXX of XXXX. Upon realizing the XXXX $ was not set up I investigated myself, I found no proof of selecting the XXXX $ but I know from my past accounts thats what I was setting up in the XXXX of XXXX. I do not know what happened if this was an error on the website or me misunderstanding what they had for the auto pay set up but the only option I recall for my other accounts were set for the XXXX $ for 6 months 0 interest, why would this account be different, I contracted for it and was fine paying it, why would I not be contacted or explained the process of the automatically making it XXXX $ so they can charge interest on me when I agreed soon the XXXX $ in my examples previously. When I called customer service I talked to 4 people and was told the same answer they can do nothing and will do nothing for this concern, that this is my fault and they have two options the minimum with interest or agreed amount, but I told them no one told me about the minimum of XXXX with interest because I did not want to pay the XXXX with interest I wanted to pay what I contracted the XXXX XXXX They will not let me pay everything upfront to resolve this issue and waive interest. I understand they say they cant because their contract but no one informed me and I dont think I should be penalized for not wanting to pay the lower amount a month and wanting to pay them what is owed at the XXXX $ a month for 6 months when I am capable but due to a poor website or change in this account options due to how my others were set up. Customer service did not want to help at all. Just stated basically no matter what I said they would not even budge on trying to help or fix the issue other than then describing what they should have now than when I started the account. I have told them I would even pay the full amount if they waived the interest to work with me and explain the issue or what could be prevented in the future. This is my first interaction with their customer service, I am less than impressed by them, for people handling money and issues there was no remorse just blame on me as the customer and for that I just have to pay and deal with it, no other options at all, no help to figure out anything else just a hard no that sucks.

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