Consumer complaint received 2023-11-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I missed 2 months payment on a XXXX credit card owned by Synchrony Bank. That was XXXX and XX/XX/XXXX. When I attempted to pay on the third month, XXXX, my account was closed. I was told by the representative that my account was closed and sold to a debt collector. I requested the information of the debt collector so I could begin payment but was told they did not have that information. The representative told me the collection agency would be in contact with me. I made several attempts monthly to find out from Synchrony who I could pay. I finally gave up and waited to hear from the debt collector. In XXXX of XXXX by an attorney 's office by the name of XXXX XXXX XXXX, XXXX. The young lady representing XXXX XXXX was very rude and threatened to garnish my wages. This is in violation of my rights as it was well past the required 5 day notice of acquiring my debt. This was 2 years after the fact. I explained I tried to pay and worked out a payment arrangement. They demanded I provide my banking information over the phone to set up payments. I told her that I was uncomfortable with doing that but if she could provide me with the address and other information, I would be glad to mail certified funds each week. She argued and then after a while stated it would be sent in the mail. I called each week to get information on where to send my payment and was told " it is in the mail. '' I never received anything. In XXXX of XXXX, I was served with an intent to garnish my wages. The amount owed was inaccurate. It was well over what my initial debt was. At that time I owed {$1000.00}. They were charging me over {$1500.00}. I asked if I could settle with {$1500.00}, {$500.00} more than the debt, and was told, " no. '' The garnishment did not go through as I was under another Garnishment that I agreed to. Both of these Garnishments were sent through XXXX XXXX. In XX/XX/XXXX, I was served with another XXXX through XXXX XXXX by the same attorney but now for over {$1700.00}. My rights have been violated by not notifying me on a timely manner of the purchase of my debt, not providing me with a reasonable accommodation to repay my debt, egregious charges being added because of change of jurisdiction, and rude behavior all around. This is one of two debts I owe to Synchrony Bank and that was bought by this attorney. The other was a XXXX card. The same details with the XXXX card can be given for the XXXX as both were closed at the same time for the same reason and originally owned by the same bank and then sold to the same attorney. The XXXX card had a balance of {$500.00}. Now the attorney is charging over {$800.00}. The payment arrangement set up with the XXXX debt also included the XXXX. XXXX amounts were to be paid weekly but payment information was never sent for either.

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