Consumer complaint received 2022-10-31
Company: SYNCHRONY FINANCIAL
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
XXXX. XXXX  Hello, On XX/XX/2022 a letter and a check arrived from Allegro Credit, now Synchrony, for a closed account. I had made the last payments to total {$1800.00} on XX/XX/2022. There were three last payments made in XXXX dated : XX/XX/2022 for XXXX, XX/XX/2022 for {$280.00} and XX/XX/2022 for {$280.00}. I tried to log onto the allegro website, at allegro.com to capture an image of the balance and the amount of credit on my account. The site stated that it was closed because of it being fully paid. I called Synchrony bank on XX/XX/2022. XXXX asked for my account 's number, phone number, and which service or product that the loan was being used. I gave all of the answers but they did not have my account within their files. I stated that they sent a check with the wrong amount on it. XXXX said that she would ask her manager and returned later to give a phone number for Allegro.I then called Allegro Credit and was hung up on twice without finding how much credit was on my account. The first person, a female, stated that her name was XXXX or something XXXX, which I asked for her to spell for me. She hung up the phone. The second person at Allegro ( XXXX ), on the same day seemed to have a XXXX XXXX while offering to send a check for {$230.00} at this time. XXXX then asked why I was trying to play games with him, whatever that meant, and hung up the phone. 

On XX/XX/2022 I called Allegro and spoke to XXXX who stated that the account was closed but did I think that I overpaid them. I stated that when Allegro Credit XXXX  closed my account that the check should be the exact amount of credit that was earned on my account. I did not owe anything and there were no fees to be paid. It was closed by them. She hung up the phone. I called back to Allegro Credit on the same day and the lady burped in my ear and hung up the phone. I called one more time to speak to XXXX. I asked to speak to a manager, and XXXX said that there were no managers. He then said that she was talking to two other supervisors, but he could have the manager call me later. I gave him my phone number, as I knew that he was lying and made a report to the XXXX XXXX XXXX. 

The XXXX XXXX XXXX was not able to reach Allegro Credit and closed the case. At the closure of my Allegro account, I had {$1000.00} plus to be cashed. I had captured an image of {$510.00} in credit from XX/XX/2022. I had made payments from XX/XX/2022 for {$150.00}. On XX/XX/XXXX, I paid {$150.00}. I had paid {$150.00} on XX/XX/XXXX. A payment of {$150.00} was made on XX/XX/2022. On XX/XX/XXXX, I paid {$150.00}. The XXXX  of XXXX I paid {$150.00} and on XX/XX/XXXX, I paid {$180.00}. The last payments for XXXX had been listed above to total {$1800.00}. They rarely sent payment notices, but sent a payment book to remit by mail. I paid online, so I did not use either way and finish the payment plan. I need the full credits earned on my Allegro Credit union account sent to me in a cashable legal tender form. 

XXXX XXXX

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