Synchrony Bank Credit Card Complaint

Payoff process

Synchrony Bank Credit card department,

Payoff process Illinois

Went online to JC Penny to make a payment. The system incorrectly stated I wished to pay $25.00 vs. my whole balance ( which I clicked ). When I tried to correct, it said you can only do one payment online per day. I then called. When I first got online it asked for account number etc. and social - It paused for a long time and never found my account. Then I called again spoke to an agent who told me it cost $10.00 to make a payment using her so she will transfer me into the system again. She then transferred me into something that basically put me on hold and never got back to me. Then I called back again trying to make a payment with the automated system on the phone again. At this point, 20+ minutes into this saga, I still can not make this payment. I am now on my - or - attempt to get verified on their IVR - no success to date. So their IVR can not authenticate me, the agent wants $10.00 to do it with a human, the website wo n't let me fix the issue. This is clearly a UDAAP issueI believe this is purposely made difficult for customers to ring up fees and late charges.

Synchrony Bank customer in Illinois
Nov 10, 2015

* Source: CFPB Complaint Database

Synchrony Bank response to complaint:
Closed with explanation

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