Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Synovus Bank
State: WA

Complaint narrative:
I am attaching to this complaint letter received by XXXX XXXX, screenshots, and pictures, as this game of cat and mouse is very annoying and I am hoping a third party can get involved here as there seems to be nothing being done, and having an issues every single month with this credit card company with access, non-legit fees being added to my account, and stopping / pausing my card half way through the month with no explanation and without warning. 

If you look, I still have two previous other complaints for this card company that has gone without review or comment. Those talk about how I tried to contact the company via phone regarding my payment made for the month of XX/XX/XXXX. It goes on to say that I submitted a payment method that would not cover the amount that I submitted payment for the XXXX XXXX XXXX. I tried to call and let the company know, but I got hung-up on. I went to the online payment portal and tried to re-submit a new payment but their portal does not let you submit another payment after one was recently submitted. This was done before the due date, but because of their slow processing times it shows as payment was submitted late. This is why I was trying to call so I can explain, now I am submitting this as I have not received any responses. 

This is a XXXXXXXX XXXX XXXX, meaning this is funded with my money. So the fact that I am dealing with all this from this card is a joke and needs to stop. Now let 's talk about how and why I use this card, and how these interruptions of service are having real world affects on me and my family because of these interruptions. Because this is a secured " Build Your Credit '' type of card, I got this from years ago to help me build my credit and it has done that. I keep it as it is my longest active credit line which means it needs to stay open and active to keep my score up. So I have set this up to have all my Utilities Bills to be paid out from this card alone to keep activity and payments consistent. 

So when this company choses to pause my card, for reasons such as Insufficient Funds or " You paid with a different account this time '' - These are not valid reasons to be stopping my card and account for validation. Just let me handle it, If I pay with the wrong account on accident, then I will fix it and re-submit payment, but your system has not allowed me to and you all hung-up on me. Or if I choose to pay with a different bank account, then I can do that. This is not valid for pausing my whole account! 

If you look at the attached Transactions List, You will see I highlighted Transactions I would like to point out : - RED : Late / Interest Charges That I do Not Accept due to system failures and lack of Customer Service - GREEN : Most recent Payment Submitted with wrong Payment Account - BLUE : UTILITY BILLS/ HEALTH INSURANCE Lets Talk about the BLUE, as I stated previously I have all my Utility Bills coming out from this card, also my Health Insurance. When First Progress Chose to Pause and Stop my access from using the card, my most recent PUD and Other Utility Bills were declined when they tried to charge the card. When this happens me and my family are vulnerable to having our Heat and Electricity turned off. This is something that should not be happening, all because I paid with the wrong account on accident ( i can pay from any account I want ), and tried to resolve immediately with no customer service help. 

If you look at the screenshot of my XXXX XXXX, you will see I NEVER miss a payment or have late payments. And this credit card company should be wise enough to know and see this, instead of letting their system just go ahead and start charging things on my own money that have no right to be there. I am the best card holder this company has I bet, and I feel like I am being treated unfairly and being discriminated on. I deserve an explanation.

Please see attached most recent Letter I received from XXXX XXXX on XX/XX/XXXX. It states that because of my most recent payment got declined they are asking for another payment. But I have been trying to re-submit payment now for almost a month! 

Please see attached screenshot of the Credit Card Company Online Portal when I go to make a payment. All it says is that we are unable to process a payment using this payment account, please submit another. But they took away the button to submit a new payment account for payment! Look at the screenshot! And I have already tried to call them like I mentioned earlier and I got hung-up on.

Company response to consumer: Closed with explanation