Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Late fee Illinois

Customer Service -. - - -, FL - RE : - - - - This letter concerns account # - - - -. Cardholder name is - -. Address is - - -, -, Illinois. Any additional cardholder information can be provided on request by calling -. For the - billing period, the amount owed on the account was $22.00. The due date was - -. Payment was sent on time, but, probably due to the - weekend was not recorded until - -. The delay in payment, at the very worst was one day. If the payment had had been recorded on - -, the balance on the account would have been -. Instead, a late fee of $24.00 was assessed ; this late fee is in excess of 100 % of any amount owed ( but paid ). Upon contacting customer serve, representative number 1, insisted that the assessed late fee was correct and adhered to policy. Representative number 1 could not explain precisely how $24.00 was calculated. She was more concerned with explaining the loss of rewards if the card were cancelled. I asked for a supervisor.


Representative number 2 was similarly as confused as Representative 1. Instead of reading the late fee policy aloud with me, in order that we might both begin to understand it, she transferred me to a supervisor. The supervisor promised to resolve the problem by agreeing to eliminate the $24.00 fee. The purpose of this letter is : 1. To make certain the $24.00 fee is removed from the account 2. To notify the appropriate governmental agencies of the excessive late fee policy. I am still curious how the amount of $24.00 was determined. Thank you for your time and effort. I look forward to hearing from you in the near future. Respectfully, - - - - - -, Illinois -