Consumer complaint received 2018-09-24
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a Credit with SYNCHRONY BANK ( for a Guitar Center Store credit account ) which I have been paying timely for over a year now. 

1 ) My due Date is on the XXXX of every month and I have my automated payment set up in order to never miss a payment. In this opportunity I MADE SURE I went in my app and ADDED a NEW Bank Account and SCHEDULED my Auto-Payment to be withdrawn FROM that New Bank Account instead of the OLD ONE. 
I annex Exhibits 1 ( Update of Banking Infomation Confirmation E.mail ) and Exhibit 2 ( Schedule of Payment with New Bank Account Confirmation Email ).

2 ) On date XX/XX/XXXX Synchrony Bank went ahead and deducted from my New Bank account as I requested BUT They ALSO deducted from my OLD BANK ACCOUNT, charging TWICE my mnimum payment. 
I attach Exhibits 3 ( Payment withdrawn from XXXX XXXX XXXX. Account endind in XXXX for {$28.00} min. Payment on date XX/XX/XXXX ) Exhibit 4 ( Payment withdrawn from XXXX  XXXX XXXX Account ending in XXXX for {$28.00} min. Payment on date XX/XX/XXXX ) Exhibit 5 ( Capture from the App of Synchrony Bank where payment of XX/XX/XXXX is shown TWICE ). 
Exhbit 6 ( Internal Message from Synchrony where they Admit they charged twice ). 

3 ) Now the problem is this : By charging my account ending in XXXX Synchrony Bank CAUSED ME AN ADDITIONAL FEE OF XXXX $ WITH XXXX XXXX XXXX. Because There wasnt enough credit in that account, so by charging Synchrony Banks mnimum payment they made me incurred in overdraft with XXXX and of course they went ahead and charged me for it. 
Now, Synchrony Bank did not have my persmission to charge or withdraw better said from XXXX XXXX XXXX. My mnimum payment, that is why I MADE SURE I went in ON TIME and told them to please start withdrawing from my New XXXX XXXX XXXX Account where I had sufficient funds from. 
( Please See Exhibit 3 XXXX XXXX XXXX. XXXX $ for overdraft Fee ).

4 ) I talked to Synchrony Bank, both on the phone and through an endless series of e.mails back and forth about the situation and they want to cancel ONE of the payments of course and RETURN IT IN A CHECK. 
BUT THAT DOESNT SOLVE MY PROBLEM. 
It was THEM WHO MISTAKENLY CHARGED MY OLD ACCOUNT CAUSING ME AN EXTRA BURDEN OF XXXX ADDITIONAL . 
My request to them was : PLEASE REVERSE THAT TRANSACTION. If you take it back the Bank will forgive-eliminate-wave or whatever corresponds that XXXX $ fee, B U T if Synchrony Bank gives me a check I STILL HAVE TO PAY XXXX XXXX that XXXX XXXX 
So If Synchrony Bank wants to send me a check for XXXX $ PLUS XXXX $ that would make it, but of course theyre not going to do it and Im not asking them to, All Im asking is to Revert Electronically the transaction. 
But they indicate they cant do that. 
( Exhibit 7 where in a private message through the App Synchrony Bank tells me in written what they told me over the phone, that they ARE going to send me checkjust for XXXX $ in two or three weeks ) And so thats where we are right now, Im having to asume an extra payment that Synchrony Bank caused because of their mistake and Im having to pay for it. 
Can you please talk to them to see if they can return-cancell or call out their transaction with XXXX XXXX XXXX. For XXXX the XXXX for XXXX $? Please tell them dont send me a check, I dont need a check all I need is for them to reverse it directly with the bank so that the Bank can wave that extra XXXX $ fee. Its not so hard to understand. I hope they can listen to you, I have sent them a total of 08 private messages through the app telling them, explaining, but none seems to care.

Company response to consumer: Closed with explanation