Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Late fee California

I opened a Lowe 's credit card underwritten by Synchrony Bank/GE Capital. I set up an online account for the card and opted to receive paperless statements, notifications, etc. A few months ago, when I went to log on to my account the day before my payment was due so that I could make a payment, it seems my password, as I remembered it, was incorrect. I requested to reset my password, and was told by their server that a password reset email would be sent to me shortly. After an hour I had not received it, so I requested another one which, again, I did n't receive. For the - time, I again requested and did not receive the email. As a result, I was unable to make a timely payment and was charged a late payment fee, which I believe was the point of the obstruction to me resetting my password. I was so upset about it that I refrained from using my Lowe 's card for a few months, even when shopping at Lowe 's. Then, a few weeks ago, I made a large purchase at Lowe 's and used my Lowe 's card. When Synchrony 's


electronic payments to the card, I added a different bank account for that purpose. The System told me I had done so successfully, so I attempted to make a payment with the newly-added account. I was also told that the payment was successful, though I never received a confirmation email ( and have never received - from Synchrony for making a payment ). Then, today - a week later - I get a call from Synchrony 's collections department saying that my account is past due and asking if I would like to make a payment. I tell them I already made a payment online, and they say it was never received. I say that I heartily disagree, and ask if they intend to charge me yet another late fee, and they say the late fee ca n't be waived, because they waived - late fee for me before ( when I first opened the account ) and can only waive one a year. These incidences speak of a pattern of Synchrony obstructing it 's credit card customers from making online payments in order to collect late fees, which are a major source of revenue for CC companies. From what I 've read in online forums, they have done this to many others besides myself.