Consumer complaint received 2018-02-26
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX closed my credit card in XX/XX/XXXX or XX/XX/XXXX. I belonged to a credit union that didn't except a mobil deposit until XXXX the next business day. I had made a payment of {$200.00} to XXXX XXXX as I had been doing since XX/XX/XXXX. That's when my first XXXX XXXX XXXX credit card was started. Apparently when my payment came in the credit union rejected it and this happened twice in one year so Synchrony closed my account. Since that time, they have made my life a living XXXX. In contacting them many, many times to try to work something out with them as far as paying off the credit card because the interest was so high I would never get it paid off. They gave me such a hard time, every time I called there that I was getting XXXX XXXX and XXXX in my XXXX They would transfer me from one person to another and the last person they would connect me to I would get a busy signal. So in desperation I opened an account with a XXXX XXXX credit card. I had put in the information from XXXX XXXX   because they would have to know why I needed a certain amount for the credit card limit. So when XXXX XXXX issued me the credit card, they also sent XXXX XXXX  the amount I owed them ; which was {$6000.00} on XX/XX/XXXX. This was against my authorization because I was " trying '' to work with XXXX XXXX about them lowering the amount for a pay off. " Most '' banks and establishments will come to some kind of agreement on that but not Synchrony. So I told XXXX XXXX they did that without my knowledge so they asked them to send the money back and " I '' also contacted them about just sending {$1000.00} back and then I would have paid them {$5000.00} so it would be cleared up completely. They wouldn't do that and in between all these negotiations, they added {$1100.00} to my account. Between the time they added that amount, they sent me a check for {$6000.00}. They actually sent me " two '' checks for that amount. One was on XX/XX/XXXX and the other on XX/XX/XXXX! I deposited the second check in our account at our new credit union on XX/XX/XXXX and I had to wait 5 days to make sure that check was good. On XX/XX/XXXX I made an online payment to XXXX XXXX for {$5000.00}. On XX/XX/XXXX XXXX XXXX put a stop payment on the {$6000.00} we had deposited in our credit union. This was a deliberate movement on XXXX XXXX  part. Our account is {$4300.00} in the RED and has been that way since XX/XX/XXXX! We are waiting for XXXX XXXX to return that payment of {$5000.00} I made to them. I did " not '' know XXXX XXXX had paid them the full amount " again '' without my knowledge. Oh and then " after '' they put the stop payment on the check for {$6000.00}, they sent me " another '' check for the amount of {$1000.00}!!! My son and I are at our wits end with this mess and we can't pay " any '' bills or buy any groceries until that {$5000.00} is returned to our account. It is in process but even one day is too long and it's been 7 days counting the weekend. Synchrony Bank are very underhanded, devious people and absolutely horrible to deal with. I reported them to the XXXX XXXX XXXX in their city but nothing was done about them. So they continue to make my life as miserable as they possibly can. I have everything documented and all the amounts of each month since they closed my account on me. So anything you need I will be able to give you. I pray you can help me with this horrible situation.

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