Synchrony Bank Credit Card Complaint

Billing disputes

Synchrony Bank Credit card department,

Billing disputes Pennsylvania

I found that a late charge was assessed to my credit card account ( Synchrony Bank, Gap VISA ) showing the last payment made on - -, 2015 even though my online banking account showed that a payment was clearly made on - -, 2015. When I called the customer service line, I was immediately transferred to the debt collection department. When I explained the situation, the customer service representative communicated that my payment was accidentally applied to a closed account and therefore showed the current account past due. She explained that she would waive the late fee and correct the payment so that it was applied to correct account. She noted that the next payment would not be due until -. I thought the situation was completely taken care of until I received my statement and checked my credit card account online. Not only are they showing that the payment was never correctly applied, they have increased the payment amount from $160.00 to $340.00 and have assessed late fees. When I tried to call the customer service department, I was again routed to the debt collection department from which I received a recording that the department was not receiving calls today ( it is a business day during their normal business hours ). I did not want this to impact my credit history so I made a payment online, but the problem has still not been corrected.

Synchrony Bank customer in Pennsylvania
Nov 27, 2015

* Source: CFPB Complaint Database

Synchrony Bank response to complaint:
Closed with explanation

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