Synchrony Financial Bank Account Or Service Complaint

Synchrony Financial Bank account or service department,

Other bank product/service Making/receiving payments, sending money Texas

Synchrony Bank was the Bank that provided loan for the 'Car Care One ' Account I had opened to charge my balance for maintenance work on my car at - in - , T- . I have been paying Synchrony Bank through automated payments from my Checking Account. I was getting an automate call from the bank itself ( and never has it been identified in the call that there was 'collection issue ' or my account is 'delinquent ' in all the calls - almost every month on - to date ). I was under the impression I was regularly paying my bill from my checking Account and my payments were all going towards my principal debt. I got suspicious today that the debt was taking too long to pay-off and when I got the call today ( -/-/- ), instead of the regular 'automated pay ' option I was using, I selected the option to speak to the Representative and then on further discussion with her, I got the rude shock that they have been charging me a 'late fee ' of $25.00


+ interest ''. In Total in - to date, the Late Fee Charged : $130.00 By Misleading me this way, Synchrony Bank has been racking up 43.85 % of my payments ( 25/57 * 100 ) towards 'Late Fees '. They could have clearly indicated to me in the very first automated Call I got in -/-/- or even before in - that it was a 'Collect Call ' and these calls were not for 'regular automated Payments ' but because somehow I was late on the Account. I would have setup online automated payments toward my account a different way, the way I normally pay all my other credit cards. But by misleading me this way, they deliberately seem to be indulging in this practice so that they can just get almost 44 % of my payments towards " Late Fees ''. My Account # is -. I had an outstanding balance of $200.00 today morning and I made another $60.00 towards my monthly payment of which $25.00 was towards another late fee and only $35.00 was towards my outstanding balance of $200.00. I was VERY Upset and wanted to Pay-off the whole outstanding balance of - and close the Account but I did not do that as I wanted to register this Complaint and was apprehensive my complaint may not be actively adjudicated if the Account is closed. I will be paying regular payments directly ( not thru Synchrony 's automated Call ) and will keep the Account open so that this Complaint can be actively investigated thru your esteemed offices. Thanks very much. Sincerely, - ( - ) - -Cell. - Account # : -. My Address : -, T- -.