CFPB Complaint

SYNCHRONY FINANCIAL – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-07-31T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Hello, I received a letter from XXXX XXXX XXXX, XXXX on XX/XX/XXXX for my Care Credit account. It claims that I owe a debit collection agency {$3200.00} for my Care Credit card.

Last year, I paid off this Care Credit card on XX/XX/XXXX for {$2600.00}. On XX/XX/XXXX I was charged another payment of {$2600.00}. Therefore, in two days, I paid XXXX XXXX {$5200.00}. Both of these payments are highlighted on the attached XXXX XXXX statement.

I contacted XXXX XXXX and told them of the mistake. I asked that one of the payments be put towards paying off the Care Credit balance. I also asked that the other payment be refunded to me. A few weeks later, I received a voided check from XXXX XXXX that I could not cash. At this time I asked my bank to get involved and dispute the second payment. On XX/XX/XXXX, I received a refund for {$2600.00}. This is also highlighted on the attached XXXX XXXX statement.

Now, the Care Credit card was paid off on XX/XX/XXXX. I have contacted XXXX XXXX customer service team no fewer than ten times over the past year. I have sent my bank statements to multiple people at XXXX XXXX. Every time, it is ignored and I receive letters and phone calls stating the debit was not paid. Every time I explain the situation and they tell me they are opening a dispute and to wait thirty days for a resolution letter. This letter is never sent and yet the phone calls, late fees and debt collection letters continue.

Now this debit has been placed with a collections agency and it has affected my credit score. I will dispute the erroneous credit score, since the account has been paid off for a full calendar year.

Company: SYNCHRONY FINANCIAL

State/Zip: GA 305XX

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Company Response to Complaint: Closed with monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2977390

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