Synchrony Bank Care Credit Big O Tires Walmart Stein Mart Inappropriate late fees, fail to post payments, invasion of privacy, HIPPA, failure to honor agreements, ruin credit Orlando FL

I have had a Care Credit Card for medical, dental and veterinary expenses for quite awhile. It was okay until I had terms of no interest within a period of time from three different companies on this card at the same time. I did not know the small print of Synchrony's agreement pays requires one to call every month to TELL them how to distribute your quadruple minimum payment to maximize the best of your no interest payment, otherwise they will apply it to the LAST one so you will be charged interest on the OLDEST one.

Did YOU know you have to call them every month? Futhermore, if you are in the situation I was in, paying three different accounts, you have to pay fourth amount to make your minimum or you will get a late fee? That's how it works. So yes, you paid all that money, get the late fee, and the interest you were paying extra to avoid too. I hadn't learn that yet though.

Then I bought tires at Big O. I had to show my ODL with my address to REOPEN my card. I didn't get my first statement, and I called about it and they told me not to worry, it missed the closing date. Two months later, my first statement had a $25 late fee on it. I called. They had sent it to an address I hadn't live at in four years. Who told them that? Remove the late fee. We can't do that. Seriously?

I went to my bank and set up autopay. I pay THEM, not they come get my money, in equal payments not to think about it. That's how I do it with Synchrony. Imagine my surprise when things never balance, never get paid off, and charges keep accruing. And, they stop posting my payments.

I asked the bank to verify the payments. That didn't work. I called through the push button hell to get the number to send the proof. I have easily spent 20 hours on hold and being hung up on by the Synchrony system. Once I had to ask to speak to someone else because I couldn't understand the person I was speaking to. Transfer. Click. Nothing. I cannot fax an electronic payment. Two banks speak to each other and that is proof, here is the confirmation number. "No fax it." I really need someone to listen and speak English, not repeat the same thing.

My credit limit has been lowered. I am recieving negative reports all over the place from credit agencies from places I did not authorize. I recieved a Cure to Default letter in December. I have no problem with my credit other than Synchrony related issues, and if one looks deep enough it is obvious.

The final straw that has me most alarmed was talking to an heavily accented East Indian representative and he told me he saw what the problem was. I was talking to him about my tire account, and he started to talk to me about my recent dental account charges. I was mortified. The account numbers are nowhere close, and medical information, including billing is supposed to be protected by HIPPA. I asked him who gave him permission to look at that?

I went to my Billpay and took a screen shot of my account from Synchrony Bank that said they had the right to go in and manuever my account payments for their maximum benefit. I had no knowledge of them doing this. I think they changed my account numbers around and messed them up and are blaming me.

Later, yet ANOTHER representative, after more push button hell, told me they would transfer funds that had been sent (posted) improper to the wrong account., Recently I recieved a REFUND check for $250.

I don't know how I can be both delinquent and have a refund at the same time. It is very hard to pay them when they don't post when you do. How do you make these people go away?