Synchrony Financial Complaint

Synchrony Financial Credit card department,

I am filing a complaint against Care Credit and the fraudulent way they are applying my payment every month. I have - promotional purchases with them, - for dental work and - for the veterinarian I used. I have - fixed account, for 48 months with payments of $54.00 every month. The other - are deferred accounts and there is no interest if the accounts are paid off by -/-/-, the payments for those every month have been $35.00 each, every month. Once a payment of $120.00 is made every month I was instructed by Care Credit to call and tell them exactly what amount is to be put on each account, I was told that this way my - deferred accounts would be paid off on time and I would have no finance charges or late fees. Every month I make the same payment of $120.00 and tell them exactly

this they are paying down my fixed account and not making the $35.00 to EACH of my deferred accounts, which means at the end of this year those - accounts will be behind, I will have balances and they will start charging me ridiculous finance charges and late fees. I have called every single month, I have keep records of the days I call, who I talk to at Care Credit, I have been referred to their ESCALATION SPECIALISTS 3 times now to get my accounts straightened out, I have asked that written statements be sent to me showing that the correct amounts have been put on the correct accounts so that I can see that they are indeed putting the money on the right accounts. I have never received those statements. I got a canned letter that says my account has been corrected but they never send a statement showing me that. I called once again - and talked to a woman named " - '', she looked at my accounts and said she saw the records of my calls and also said that the Care Credit account specialist took my payment that I specified but did NOT allocate I it correctly month after month. She said she was surprised because they were applying almost double my $54.00 payment on the fixed account and not applying the correct amount of $35.00 to each of the deferred accounts, which would put me behind every month and those - accounts would not be paid off in time. Originally, I was told on -/-/- by Care Credit to pay, $54.00 on my fixed account every month, and $35.00. on the other - so that I would have the - deferred paid off on time, so that 's what I was doing. However, they were NOT applying the money the way I told them too, noticed it on my bill that my - deferred accounts were NOT going down, I called on -/-/- and was referred to an ESCALATION SPECIALIST and was told by " - '' that he had FI-ED my accounts correctly, I asked for an itemized statement showing me that my accounts had received the correct amounts from the beginning, I got the canned letter, no statement showing me how my money was allocated. I called on -/-/- and talked to " - '' who told me that my deferred accounts were behind and that I needed to change my payments to $40.00 eevery month on - accounts and that there would probably be a balance of $ - $80.00 left to pay off in - of -. Now, I was told in the beginning to pay $35.00 a month on each of those accounts, AND I DID. However, they were almost doubling my payments on the fixed account and NOT applying the $35.00 on the - deferred which put the accounts behind, leaving me a balance in - where they then charge me late fees and finance charges of 26.99 %. I called again on -/-/- and talked to " - '' who looked at my account and told me that the wrong amounts were being applied again to my accounts, she said