Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Payoff process Missouri

- -, is - - - and - about two years ago. Her - affected many of her - including her - and required her to purchase -. Since she is on - and has no income, the - doctor recommended she use the Synchrony Bank card with its interest free promotion to purchase $3000.00 -. - signed up for the card without fully understanding what she signed up for and purchased the -. With no income, she should not have been provided credit. - believes the Doctor told her that she would have 3 years to repay. But, she is not sure and has no paperwork. Upon receipt of each monthly statement, - diligently paid what she thought was the amount needed to pay off the balance during the promotional period. Since the bill each month only provided her with - choices ... '' minimum payment only '' or " pay off in 3 years '',


interest was charged after 18 months of $1100.00. - is - - - and was confused by the monthly bill and did not understand the bill or " warning '' they sent to her in advance of the promotional period end date. - deteriorated further in - 2016 and was no longer able to handle her bills or estate. Her son and I was required to assume management of her affairs and pay her bills. - is confused as she thought she was paying the bill correctly based upon the options on the statement and what the doctor told her. The bills are confusing as they do not provide a correct payment option to pay off the balance in advance of the 18 month promotional period expiration. Obviously, the - options provided each month on the bill do not pay off the balance in time. Had the bill included a payment option that paid the charge off in 18 months, - would have paid that amount each month. In addition, charging a - - - - victim who is in a - home surviving on - a 26.99 % interest rate to purchase - - that she could not afford is an just inappropriate use of credit. - 's son has called Synchrony and explained the situation. They have been unsympathetic to date and unwilling to assist in this matter. Using this type of credit card with the elderly for health related issues and then charging them 27 % interest is predatory. - has no income and should not have qualified for a credit card. - is requesting that Synchrony waive the almost $1200.00 of deferred promotional interest charges. The principal amount of $3000.00 has been paid. The current remaining balance is interest only and Synchrony continues to charge 27 % of interest on top of interest. This is a predatory card which preys upon the elderly who do not understand what they have signed up for or agreed to and, in this case, do not have the income to even qualify for credit.