Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Billing disputes Arkansas

I have had a credit card with JC Penney 's for over a year, and while it was great at first, my account was recently taken over by Synchrony Bank. Since then, I have noticed that several times when I pay my bill online, Synchrony will wait more than 72 hours to withdraw funds from my bank account. Because of their delay and the fact that I am a college student who lives more or less paycheck-to-paycheck, there have been a few times that I had the money when I authorized Synchrony Bank to take my payment but they waited so long that by the time they withdrew my money, the money was no longer there because I have had to buy groceries or pay another bill that was due between my JC Penney 's bill due date and the time Synchrony takes out the money. This results in my account not having sufficient funds, and when Synchrony tries to take the money after 72 hours or longer they can not withdraw it, and they end up slapping a $30.00 fee on my credit card bill, along with increasing my minimum payment ; because of their behaviour, my minimum payments


other credit cards, the payments are withdrawn in less than 72 hours, and when I asked the customer service associate, someone named -, about this oddity he provided no explanation other than to defend his employer. He then dismissed my call, saying that I needed to call another number. When I asked if this was customer service, he said that it was n't, even though the automated phone system directed me to him after I chose to speak with customer service. Now Synchrony has closed my account and is demanding that I continue making payments on the amount I still owe. Effectively, they have bad business practices and are punishing me for their incompetence.