Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Billing disputes Rhode Island

A payment to my American Eagle credit card, backed by Synchrony Bank, was made in error apparently, leaving a $3.00 balance for whatever reason, and I was never notified my account was now in default, considered 'delinquent '. The payment was taken for $25.00, not the $28.00 that was the balance on the card. I never once received a call, postal notification, nor an email correspondence telling me my account was nearing a 30-day collection status. I have never made a late payment - I have had ZERO 'missed payments ' reflected on my credit history for anything, and this $3.00 and change discrepancy was reported to the major credit bureaus, causing my credit to plummet, without any notification to me, the customer. Had anyone contacted me, I would have immediately made any payment that was required, which I did immediately after finding out this $3.00 discrepancy caused a mountain of issues, affecting my ability to secure a home mortgage for my toddler and myself. I would never had knowingly left a $3.00 balance on ANY credit card. Coupled with the fact I was never notified about my account status is bordering on/is already fraudulent. As soon as I saw


see a fee of $5.00 now added to my account with a due date of - -. No notification of a 'past-due/frozen/delinquent ' account status ; only a due date for a balance I never knew I was carrying of an entire $11.00, including fees and interest. I immediately opened up a complaint with Synchrony Bank/AE credit services last evening, -/-/16, as soon as I saw this delinquency/missed payment on my credit report. In a recorded conversation last night with a customer service rep for Synchrony said this was an error, whether it be on my end or theirs, that can and will be rectified. I call back this morning only to be told, by a supervisor, I am not able to be provided with a report/investigation number and this will take 30 business days. They asked if I would like a call back once completed. OBVIOUSLY I want a call back but what are they completing? It 's pretty cut and dry - Synchrony Bank, did not take a full payment as I elected ( defaulted to mininimum ), they did not call me nor mail me anything about delinquency, nor did I ever receive any correspondence saying I had an overdue balance remaining on the card. I have never carried a large balance on my AE credit card nor have I ever missed a payment reported to credit bureaus. I did not even log into my online AE mobile account last month, as I was under the impression I had a zero balance as I had elected to pay the $28.00 and change in -, as my minimum was apparently $25.00, which makes no sense to me but that may be how Synchrony calculates minimum payments. Now it 's - and I am just learning of this remaining $3.00 plus now interest, fees, and a negative report to credit bureaus. I check my credit reports multiple times a month and nothing was coming up negative until -/-/16. I am completing this complaint as I feel I am being taken advantage of after being a longstanding customer of Synchrony Bank, carrying multiple store cards backed by them, never missing a payment, no negative reports to credit bureaus throughout my entire credit history with this bank ( except now ), and should have either rectified the mistake back in - 2016, contacted me in the two plus months since my last payment in -, or during my - recorded calls to Synchrony Bank/AE offered any solution whatsoever. I was hung-up on by a supervisor and a lower-level representative. Horrible customer service with zero regard for customers or fair credit laws.