Consumer complaint received 2023-04-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In early XXXX I had XXXX XXXX XXXX handling this account for me, we settled with XXXX XXXX  ( Synchrony debt collector ) in the amount of XXXX with a payment plan set up over the course of 19 months in which 15 payments had been made as follows : Beginning XX/XX/XXXX payments will be as follows- 6 paymentsXXXXXXXX XXXX XXXX XXXX XXXX Final payment of XXXX in XXXX XXXX. 

Total of XXXX After getting the receipts, looks like they never changed from XXXX to XXXX so it shows XXXX XXXX  XXXX and XXXX and that's when it was supposed to go back to Synchrony to debit my personal account for the remainder XXXX I had left to pay. 

These monthly payment were being taken out of my account I had with XXXX XXXX. 

In XX/XX/XXXX, I had released all POA rights between XXXX XXXX XXXX and myself. So I set up my own account just for XXXX XXXX to debit these payments from. When I spoke to them they said they could not take payments from me or my personal account, which I find odd, so I called Synchrony and explained to them I need to continue making these payments what do I do? He told me I needed to call XXXX XXXX and ask them to bring my account back " In house '' and Synchrony would be able to continue the payments from my debit account, for the reminder of the settled amount. Confirmed. So I did just that, XXXX XXXX  advised me it could take up to 8 weeks to complete, ok, so I called them back at a later date, they dropped the ball it wasn't transferred so they did it again and check back again, it was done so I call Synchrony and they said they had no notes on my account in regards to talking to me or agreeing to this. I said well you should, let me make more calls and find out what's going on. Everyone else had done their job and it was confirmed my account was no longer at XXXX XXXX. So I called XXXX to make sure they had sent a release so everyone could even talk to me. Got that. Now its XXXX XXXX, I called synchrony again and now they're telling me that not only do they have no notes of this because they no longer have my account but that they can't even speak to me that I need to call XXXX and XXXX as that's where my account it now. Called XXXX and XXXX XXXX XXXX and yes they now have my credit card account in their office. So it was sold again, after working with everyone for months to get this all in place to continue paying and now I have a judgement filed against me for XXXX in XXXX XXXX XXXX in Missouri. 

Furthermore, the last payment I made the end of XX/XX/XXXX was in fact made and then it shows reversed on my statement, so I asked the bank who reversed the payment because it wasnt me and they stated : " XXXX received an email from the creditor stating " These accounts are no longer in our office. Please delete any future payments ''. Your debt settlement provider is notified and both XXXX XXXX XXXX XXXX and the creditor have to agree and then the payment is reversed. '' Email attached This confirms, the creditor ( Synchrony ) also agreed to stop payments from the global account through XXXX XXXX to switch the payments to be taken from my personal account I had set up. I did not default on my payments or agreement. 


This is all negligent unfair consumer practice. 
I still have no copy of said judgement as I was out of town over the holidays when they tried to serve me, by the grace of god I happen to see the court date the day before on XXXX and got it continued to May so theres no default on the judgment. That was filed in XX/XX/XXXX and its now XXXX and Ive sent numerous requests to XXXX and XXXX for this summons to no avail. 
I still have not been served properly, the Synchrony statements XXXX and XXXX XXXX office did finally mail to me last week is from XXXX with none of my payments I made shown on any documents. 
I again called Synchrony in XX/XX/XXXX, last month, and was yelled at by a gentleman on the phone who said he cant talk to me. 
To make these matters worse I was getting ready to refinance my home mortgage and this judgement/Lien is against me and I cant close, losing money out of pocket for appraisal fees etc I had already paid, lost the interest rate I was locked into etc. with a new closing date of XX/XX/XXXX. Due to this event I even offered to give XXXX and XXXX XXXX JUST so I can refi my home and be done - they wont answer my emails I sent on XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX. This is now affecting my health, my home and my credit and needs to be resolved immediately.

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