Synchrony Bank Credit Card Complaint

Billing disputes

Synchrony Bank Credit card department,

Billing disputes New Jersey

I have moved into a new apartment on -/-/15. On -/-/15 I decided to purchase my furniture from Walmart due to the fact that they were offering a promotion in which the interest on my Walmart Credit Card offered by Synchrony Bank would be deferred for 24 months. I learned that my local store did not have much of the furniture I needed in stock and the promotion was in-store only. I called the number on the back of my card and after speaking to the representative they agreed to make an exception in which they would honor the promotion for an online purchase. On -/-/15 I made - purchases - in-store for about $300.00 and - online for $900.00. I applied the promotion to both purchases and was assured it would work by a Synchrony bank representative. As time passed the $900.00 was never applied to my card statement. ( Synchrony bank incorrectly marked it as a fraudulent purchase at first, without contacting me, and then removed it from my purchase profile, and locked down my account ) Walmart did not decide to charge me the $900.00 until -/-/15 almost 2 months after the initial purchase. Since the charge


that my Walmart credit card was accumulating interest charges. I called the account service again inquiring about why my promotion was not being honored. I spent 35min on the phone and was transferred to - different supervisors. - of the supervisors, - looked into my case and concluded that my interest was charged due to the previous dispute that Walmart never closed for me. ( which was the $900.00 charge I mentioned earlier ) I became irritated and asked for her to apply the promotion after she told me they currently are running no online promotion. After more time passed she finally agreed to re-do the promo however she dd not refund any of the interest that was wrongfully applied to my balance nor could she send me a confirmation email that my problem was being taken care of ( which is illegal as it violated the terms of the credit agreement that I created when I first opened the card ). All she gave me was her login ID saying that it should be enough of proof that my problem will be resolved. She said the promo wo n't be applied for a billing cycle or two during which I might still accumulate interest. I believe that Walmart has been applying wrongful charges to my account for this period of time and I seek immediate resolution to this issue.

Synchrony Bank customer in New Jersey
Dec 25, 2015

* Source: CFPB Complaint Database

Synchrony Bank response to complaint:
Closed with monetary relief

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