Consumer complaint received 2022-08-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for a {$500.00} secured credit card. I paid the secured card in full. I used it for XXXX and In XXXX wanted to bring the balance down. However, my account had similarities, I added the wrong account unbeknown to me. Amazon probably attempted to collect the funds but was unable to. The excuse that they mention the reason they'd closed the secured card was due to payment failure without reaching out to me first. Based on their information I had a pending payment same payments that cause my account to be closed, they said these payments were, in fact, pending when they closed the account for insufficient funds on XX/XX/XXXX. But yet still I received a check on the XXXX dated XX/XX/XXXX Check # XXXX, Memo XXXXXXXX XXXX  from Synchrony Bank Amazon.com Store Card. I cashed my check in the faith that it was a indeed valid check. In XXXX after I had XXXX I received an alert from XXXX letting me know that I had a debt and it was Amazon. I knew that I did not owe Amazon any money. I reach out, They told me they had a supervisor reviewing it and found out it was their error and that they would remove it from my credit report. Any report that I see on my credit report will be in good standing before they remove it. Friday, XXXX points were removed from my credit profile because of these people 's PROFESSIONAL NEGLIGENCE in their work. They are harassing me and telling me that I have to pay them back their money. This issue brought harm to my credit. The reason I took a secured card was for this not to happen. First of all, you knew the payment failed that was the main purpose of closing that secured card. They said at the time balance was {$510.00} including fees on a full {$500.00} down ( secured ) They decided on top of closing my account to mess up my credit history. they mischievously send {$220.00} back to me so I can be trapped they will have reason to collect because of the mispayment that I submitted not payment due but payments that I was trying to bring my balance down thinking I was using the right account. This negligent infliction of emotional distress on me. I will file legal actions against them if they do not correct their error. Based on experiences with other consumers. Synchrony Bank, Amazon 's financial credit provider will hold off payment for 10  days before providing any credit to the client. So they closed the account on XX/XX/XXXX and cut a check made payable to me on XX/XX/XXXX, less than 10 days when they knew funds were not available 24 hours after submitting my payment online based on them which causes an automatic closure and that was why they did not reach out to me to try to collect the debt. Yesterday when I called them admitting that they made a mistake but I have to pay them back. Supervisor also stated that the declines for unsuficient funds will come to them within 24hours. Why was this negligence part of Amazon? I need that to be removed of my credit. I will also file a FTC against them and more action would be taking for harming me.

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