Consumer complaint received 2022-04-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my Sam 's Club credit card monthly amount for XX/XX/XXXX of {$4400.00}. During XXXX, our Sams club card number was stolen, so they sent us new cards with new account numbers. My wife, who pays or bills, erroneously sent the payment under our old SamsClub credit card number, not changing the number on her billpay under our XXXX Checking account. 
When we received the XXXX statement in XXXX of XXXX, our payment was not recorded. I called Sams Club and told them we paid it, and when we paid it, and sent them a copy of my bank statement, and they said they would credit back my account for the original payment made on XX/XX/XXXX. So, we paid our XXXX amount. 
However, when we received the XXXX statement, Sams club issued TWO credits on that statement, then also TWO debits, in effect nulling out the credits. So I called Sams Club again, stating what had happened previously ( 2 hours on the phones ), and they said they received the proof of payment, that it was their mistake, and they would rectify it on my XXXX statement. 
When I received my XXXX statement, I did receive the credit for the payment, and was very happy. The XXXX statement was also clear of any erroneous charges. 
Then I received the XXXX statement, and XXXX and behold, they placed the {$4400.00} charge back on my bill. Once again, I got on the phone for XXXX hours, explaining the excruciating history of what was happening, and, once again, Sams club rep looked at the history, looked at the proof of what I sent them, apologized profusely saying they will issue the credit, and that it will never happen again. I received my XXXX statement, and they issued my credit of {$4400.00} once again. 
Now, I'm starting to get nervous. I have XXXX XXXX, and this was setting me on edge. 
I received my XXXX statement, and everything was good, no problems with that statement. Then, once again on the XXXX statement, yes, you guessed it, Sams club/Synchrony bank once again charges me for the {$4400.00}!!!!!!! I couldn't believe it. I'm feeling harassed at this point. Sooooo, once again, I get on the phone with Sams Club, and for another 3 hours, explain to a XXXX ( manager at Sams Club Credit Card Services ) my plight. Well of course, she's shocked! She can't believe this is happening to me! She will get this straightened out, and right away!! She asks me to fax her my XX/XX/XXXX bank statement ( again ) proving I sent the payment. I did, and she received it, verifying receipt over the phone, stating she will put it in the file of my all my problems for this payment. I asked for an email from XXXX XXXX Sams Club ) stating the problem was resolved, and she sent it to me, and I have attached all the backup throughout the year of what has happened. 
So, I got my XXXX Sams club statement, and seeing that Sams Club gave me the credit for the payment, I was elated. XXXX!! But, all the while, secretly thinking, all along, that this wasn't the end. And, it wasn't. 

I received the following statements from Sams club, XXXX, XXXX, and XXXX, and all were clean as a whistle. 

THEN... I get text messages from Sams club whenever my account goes over {$5000.00}, and I received a text message from Sams Club on Saturday XX/XX/XXXX stating I was at {$9000.00}. My heart sank. I knew my wife nor I had made any huge purchases, so I got on line on my Sams Club account to review the acitivity.

And there it was. Once Again. The put the {$4400.00} charge from EXACTLY a year ago back on my account!!!!! THEY PUT IT BACK ON M ACCOUNT, AFTER ALL THEY PUT ME THROUGH!!!! 

I was at an apoplexy, I was ballistic, I was raging mad as XXXX. I have had enough. I want not only my credit issued back, but I want remuneration for the ABUSE these people have put me through. I found the charge on Saturday, XX/XX/XXXX, and I had to go to the ER THAT SAME DAY because I thought I was having a XXXX XXXX, all due to this. I am not lying here, I will have the hospital bills to you as soon as I get them. They said it was only a XXXX XXXX, but I truly thought I was XXXX. I am so sick of this, my XXXX XXXX is through the roof. I have done everything they have asked me to do, and they still XXXX, harass and badger me to no end. I HAVE PAID THIS XXXX BILL!!! And they won't leave me alone. Please help.

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 monetary relief