Consumer complaint received 2021-11-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Back in XXXX of XXXX I purchased a TV for {$3400.00} from HSN and the bank they used at the time was XXXX XXXX and was offered an18 months no interest VIP financing. I was paying on time to my knowledge and eventually signed up for direct debit out of my bank account. The money was coming out every month. During that time we had purchased other items when the revolving money was available. The TV should have been paid off with no interest added on. In XXXX of XXXX the loan was transferred to Synchrony Bank and at that time all the interest was added back to the loan bringing the balance back up just about {$1000.00} more that what it should have been. I reached out numerous times to both Synchrony and XXXX with no avail. Synchrony told me they have no info prior to the day they took the loan over from XXXX and I need to call them. I call XXXX and they told me all the info was sent to Synchrony and they have no other info. This went on for over two years. I requested all my history form Synchrony and they told me they would send it. I made it quite clear that I needed the info from the day the loan was opened and she said that it will take them sometime as they will have to put in a research request with XXXX XXXX. I finally got the documents from them and when I opened the mail, it was what I told them I did not need. They sent what they had from when they took over and I wanted from when the loan was opened and being transferred so I can see what the balance was at the time of transfer. I was so tired and fed up with calling and being put on hold for lengths of time and then transferred over and over again that I did not call for a bit during Covid. The records should tell how many times I have called and spoken to different people and depts. They placed me into collections this year I guess as I got the first piece of mail in XXXX and I called them before they even reachout to me. I told them I need to put a dispute. I spoke to XXXX XXXX at XXXX x XXXX who took all the info and said he would place the file hold until an investigation was done and I will get something in the mail.. Yesterday XX/XX/XXXX I called again and spoke to XXXX XXXX at x XXXX who said to me that there was 57 pages of info sent to me which I never received. So she said that she will send it out again and if I do not receive it in 7 business days to please call back. Today I got a know on the door with a summons for a pretrial between Synchrony Bank and myself. When I spoke to the lady yesterday she could have said that they filed a suit but she did not. i called as soon as I got it to find out what is going on but could not reach her and spoke to someone else who said that she is my rep and I have to speak with her. All he said is that he can see that there is a block on the acct as it is being disputed. He also said to call back in a day or 2 to see if the dispute was resolved. I have been trying very hard to take care of this and has gotten no help or resolution to this matter and now it has come to this. Please help me with this situation. Or now that it is in collection my bill is no longer {$4000.00}, it is now {$4900.00}. This is so unfair to the consumer and these banks takes advantage of us over and over again especially in these times where people have lost jobs and some not working and we are just trying to make ends meet. Not asking for pity but for truth. I just need to see what happened. Can you please help in this case. 
The collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX WI XXXX - XXXX, XXXX or XXXX. The file # XXXX acct ending in XXXX. My name is XXXX XXXX and last four digits of SS is XXXX

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