Consumer complaint received 2018-09-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2017 I received a letter from XXXX XXXX ( a collection agency ) that they were collecting a debt for Synchrony Bank for {$170.00} and that I owed them the money for a purchase I made in Steinmart in XXXX on their credit card. I told them I did apply for a credit card which I never received. I had never received a statement or credit slip for that amount and If I owed them money why did it take 6 month to hear from them. I told them that I wanted a copy of the credit slip and also copies of the credit card statement and they refused to send it to me and told me to just pay the bill. I told them I would not pay the bill since I never heard a word about it for 6 months and unless they send me what I asked for do not contact me. I then called Consumer Affairs and filled out their paperwork but it took them months to hear from the collection agency who said they were no longer on this case. I also called the bank and they cancelled the card since I told them they I have never received anything from them since they did not have my apt # and mail is not delivered without it.. They closed out the card and issued me a new card number but I have no idea why. I filled out a fraud complaint for the bank and once again I asked for a bill but to no avail. I called Steinmart and they could not give me a copy of the bill since they send them to the bank at the end of the work day. I called the bank several times but they never sent me a copy of what I asked for. Finally out of frustration I told them I was going to the Attorney General Office ( which I did XXXX and that is when they admitted they have a copy of the bill which was for {$66.00} but I would have to write their recovery department to get the bill which now was up to {$220.00}. After all the calls and the paperwork I did they were sitting on the bill never sending me the bill even though I requested it several times. Funny but I shopped in Steinmart in XXXX & XXXX with my other credit card and paid the bill so why would I not pay the one in XXXX. I also called the credit reporting agency having this bill put into dispute since my XXXX Fico score has gone down because of this problem. I told them that they had a collection agency contact me but would not send me a copy of what I asked for. The person I spoke to at the credit card agency told me that the bank never disclosed that they had a collection agency contact me but that I just never paid the bill. Well that was a big lie. I am a XXXX year old woman who believes this is one of many banks taking advantage of seniors by ignoring all the mail and calls and just letting the interest grow. Funny but I had done business with XXXX of XXXX with a {$1200.00} bill and also with XXXX XXXX XXXX with a {$1.00}, XXXX and this bank was the creditor for both and I paid both those bills. I am through doing business with department stores credit cards..

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 non-monetary relief