Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Payoff process Illinois

Synchrony Bank/Care Credit ... I went to the dentist for a procedure in which they opened up a Care Credit account ... The account was at 0 % interest and payments were supposed to be made monthly until complete ... I made all my monthly payments, to include on time ... After paying on the account for 12 months, I called in because I had an additional bill and I was told that the account had been charged interest since it was not paid in full in 12 months ... I never received any paperwork stating this would be case nor was this information disclosed to me on month -, -, -, etc ... After all the penalties, interest, etc., I was told that my remaining balance was $1900.00 ... The initial balance when opened was $1600.00 and I had paid that all the way off minus $100.00 ... After explaining to Synchrony the situation and requesting copies of the contract that stated I had 12 months to pay in full, they never sent it to me ... I requested several times over the phone and 3 times certified letter ( all of which were ignored and not responded to ) ... They never sent me the original contract ... In addition, I was told by management that I would be allowed to pay the remaining balance in full ( $100.00 ) and I should receive a new bill with the final amount within a couple weeks ... I never received a bill and a month later, I noticed they charged the account off and placed it on my credit ... This account was originally for $1600.00, I made monthly payments for 12 months at 0 % interest and had a short balance, and now they 're saying the charge of amount is $2200.00 ... It does n't add up, to include they do n't have my original application/contract.