Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Billing disputes Idaho

Re : Synchrony Bank ( JC Penney account ). I never chose to do business with Sychrony Bank ( formerly called GE Credit ) but they handle JCP credit card accounts as well as credit cards for Lowe 's, Walmart and several other retailers. This complaint involves - furniture purchases at the JCP store in -, ID on -/-/15 and -/-/15. I first purchased a sofa and chair at JCP on -/-/15 which totaled $1300.00 and canceled the order on -/-/15 for the same sofa and chair in a different fabric and color for a total price of $1300.00. I was offered Special Financing '' on a 36-mo Interest-Free Plan w/a down pymt charged to my regular JCP account. The down pymt on - was $270.00 which has never been refunded to me after this order was canceled on - and has remained on my acct balance for 4 [email protected] % interest.


Financing over 36 mos so I 've had to pay 26.99 % for 4 mos now. No one at the JCP store in - understands the stmts issued to JCP customers by Synchrony so they are no help. The monthly stmts are full of careless/sloppy mistakes so it appears whomever prepares these stmts uses - only as a - language and has no experience or understanding of billing for retail stores - or else everyone at Synchrony is as corrupt as the institution of Synchrony Bk. The Home Store Supr at JCP in - tried to intervene and told me who to call at Synchrony ( a Supr ) who would not take my call and has not returned my call. I have written to the JCP store in - and to Cust Svc at - to no avail. I feel like - and would appreciate someone at CFPB intervening on my behalf. I 'm - yrs old, a retired - - so I understand finance very well so I 'm outraged about what 's happened here and do not understand why no one at JCP seems to care how customers are being cheated at Synchrony. I have sent copies of my letters to the CEO at JCP. Synchrony Bank is a corrupt institution and does not regard JCP or other retailers ' customers as customers ''. To them we 're just debtors and they treat us like deadbeats which I am not. The fact that Synchrony gets away with their corrupt practices is a result of deregulation of the financial services industries per The Financial Services Modernization Act ''. I am asking for a refund of $270.00 for the down pymt of purchase on - that was canceled on - and a refund of interest charged on that down pymt + the interest I 've been charged since - on the interest free '' 36-mo pymt plan and that stmts be corrected to reflect the interest free pymt of $ -/mo for the - purchase. As it stands now mo stmts do not reflect this pymt or the balance on the interest free plan - both are simply lumped into the regular [email protected] % interest. Synchrony Bank should be in your data bank as you have received other complaints from this company which are filed online on -.