Consumer complaint received 2023-08-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I dispatched a facsimile to Synchrony Bank/AMZN ( fax number : XXXX ) containing a notice of intent, along with comprehensive information outlining the specifics of my trust agreement for the account. It's essential to note that the account in question bears my full legal name, which matches the name associated with the account. 

Subsequently, on XX/XX/2023, I sent a package via XXXX, which included a notarized Treasury Form XXXX, functioning as a XXXX XXXX XXXXy, in tandem with explicit instructions. The corresponding Certified Return Receipt ( CRR ) tracking number for this package is XXXX XXXX XXXX XXXX XXXX. 

Continuing this chain of communication, on XX/XX/2023, I also transmitted the aforementioned XXXX XXXX XXXX XXXX XXXX  ) form to Synchrony Bank/AMZN via fax ( fax number : XXXX ). An acknowledgment of receipt was received, affirming the completion of this transmission. 

In the financial context, on XX/XX/2023, I issued a payment to Synchrony Bank/AMZN amounting to {$3000.00}, in concordance with the parameters outlined in Form SF233. Regrettably, this payment was subsequently returned on XX/XX/2023, accompanied by the reason provided as " the item received is not an acceptable form of payment. '' Seeking resolution, I submitted an additional payment to Synchrony Bank/AMZN XXXX XX/XX/2023, valuing {$110.00}, with USPS tracking XXXX XXXX. However, this payment was neither applied nor returned by Synchrony Bank/AMZN XXXX 

On XX/XX/2023, I executed a payment transaction amounting to {$5000.00}. Astonishingly, Synchrony Bank/AMZN retained this payment and declined to return it. Curiously, the email correspondence I received from Synchrony Bank/AMZN referred to this payment as an " inquiry, '' further asserting that they had received only the payment return portion of my billing statement on XX/XX/2023, devoid of any accompanying check or money order. I refute this claim with firm evidence, as I employed USPS CRR tracking number XXXX to mail the aforementioned payment instrument. This circumstance indicates that my {$5000.00} security instrument has been inappropriately withheld by Synchrony Bank/AMZN XXXX alongside other submitted instruments. 

Continuing to navigate this situation, on XX/XX/2023, I dispatched a payment instrument totaling {$3000.00}, supplemented by explicit instructions, through USPS CRR tracking number XXXX. 

Alarming developments transpired on XX/XX/2023, when I initiated a communication with Amazon, seeking clarification on the status of my account. Shockingly, the representative informed me that my account had been " closed, '' a revelation delivered without any prior warning or notice. 

Of significant concern is the absence of any indication or communication regarding the late status of my account, whether through XXXX, XXXX, or XXXX warnings, or any other form of notification that my account was in jeopardy of being closed. 

Despite my efforts to establish communication and facilitate payments through various channels, the actions of Synchrony Bank/AMZN have been marked by a lack of adherence to consumer laws, and, by extension, numerous violations of the UCC, FCBA, TILA, CFPB, UDAP, and contractual agreements. This egregious conduct encompasses a breach of both contract and trust, thereby infringing upon my rightful claims to title, interest, and rights. My diligent efforts to substantiate this assertion are supported by evidence, including fax transmissions, phone conversations, and transcripts of online chats. 

It is my steadfast belief that my rights as a consumer have been unjustly curtailed, and that the legal protections safeguarding consumers have been blatantly disregarded. I implore immediate attention to this matter, along with a comprehensive resolution that addresses these infractions and reestablishes my rightful access to the account in question, complete with the full complement of benefits and privileges.

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