Consumer complaint received 2019-04-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XX/XX/XXXX, I opened an account with Synchrony bank with the following accounts and also signed up for Credit Protection during the same time period with : 1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX I also informed Synchrony Bank that we encountered a major extenuating financial circumstance with our daughter who was hospitalized for over 34 Days including XXXX and XXXX due to her XXXX XXXX XXXX illness and XXXX due a XXXX XXXX which occurred at the end of XX/XX/XXXX and I had also lost my employment at the end of XX/XX/XXXX as well. I We attempted to keep up with all of our payments for each account listed above through XX/XX/XXXX. We could not keep up and had to continue to care for our daughter and look for employment at the same time. We incurred over {$50000.00} in medical expenses and I, in turn, notified Synchrony bank via phone and via mail with a letter in XX/XX/XXXX explaining our situation and did not receive any true support or help from Synchrony Bank and have since been harrassed by all of their Assigned Credit Collection Agency whom they sold the account to and numerous law suits which should not have occurred, due to the false and misrepresentation when I called on several occasions regarding our extenuating medical and financial circumstances. I also reached out via their online Customer Service Complaint portal regarding my concerns surrounding the Credit Protection Plan which I thought was completed and implemented as part of our Credit Card Agreements ... .I would not have signed up for 5 Credit Cards without inquiring or signing up for a Credit Protection Plan especially with unforeseen matters which may occur and did occur when our daughter was hospitalized for over 34 Days including XXXX and XXXX. We have gone through so much XXXX, XXXX  and XXXX distress since the end of XX/XX/XXXX and am still trying to get back on our feet financially. Synchrony Bank was made aware of our circumstances and refused to honor a Credit Protection Plan even if it were their oversight which it was. We have been harrassed with over 200 calls per Credit Collection Agency and have had Marshalls and Sherriffs come to our home over these accounts which is very demeaning and harassing and has caused severe mental anguish for both my husband and I and this is also another extreme form of XXXX discrimination. We also informed Synchrony Bank that we were U.S. Veterans and that my husband is a XXXX XXXX XXXXXXXX Vet. Synchrony has been very heartless, pious, and uncaring to us as U.S. XXXX XXXX Citizens who has Served the Country who have unfortunately experienced unforeseen extenuating Medical & Financial circumstances. This is also another form of Financial Greed with no heart for anyone except their own pockets of profit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation