CFPB Complaint

SYNCHRONY FINANCIAL – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-05-10T00:00:00

Product: Credit card debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.

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Company: SYNCHRONY FINANCIAL

State/Zip: VA 231XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2902621

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