Consumer complaint received 2016-12-20
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/2016 I already have filed a complainjt with you about Lowe 's Synchronjy Bank of XXXX, XXXX however, it seems things get more complicated as each day passes by. I have written this bank so many times, given them all the information to prove I paid all monthly statements on time still I get letters even today from them and one from undoubtedly their head office that made no sense whatsoever. I am going to send you copies of everything I have received from the credit card company 's bank since I purchased this washer for my brother XX/XX/2016. I had six month 's free interest or was supposed to have but that appears not to be the case from everything that keeps going on. This letter I received from a XXXX XXXX with Synchrony Bank in XXXX XXXX, XXXX is so far off from the truth of the payments made I could not believe the lies. This {$120.00} referred to was paid through my bank just as all the others were and none of these events occcured except for the last payment I made on XX/XX/2016 and was delivered to Synchrony Bank in XXXX, XXXX around XX/XX/2016. I sent all the information to Synchrony with copies showing this {$28.00} was the last payment for the 6 months free interest period and the check never came back into my account as being paid. Yesterday I called my bank and inquired as to what was going on, they checked with the company Bill Pay, learned Synchrony had returned the check XXXX and Bill Pay received it on XX/XX/2016 claiming it was an INVALID account number. No letter or phone call was sent to me concerning this from the bank or Lowe 's stating my payment had been returned. I learned of this yesterday XX/XX/2016. I feel it was deliberate Ever since the purchase XX/XX/XXXX and when I paid the first payment and all succeeding payments my online bank payment shows the same identical information from the get-go. On XX/XX/2016 the {$120.00} was paid online and Synchrony received it and put it into their bank just as they had previous ones. None of what this guy or gal stated in the letter from them dated XX/XX/XXXX is true at all. All comunication from them shows only XXXX numbers on the end of the credit card just as all my other cards are identified with when they write me or I write them. This idea of not having my current address is not true. This is the first time I have received anything from this address in XXXX XXXX, XXXX. Time and again I received letters from XXXX claiming they were trying to get the investigation done and then would notify me. I am enclosing all of the information I have received and all the letters I have wasted my time in writing. They had the nerve to tell me they charged me all this late fees, {$70.00} and charged me {$18.00} for interest on {$28.00}. and credited the payment of {$28.00} and that I still owed them {$10.00} due XX/XX/XXXX. This supposedly came out of the {$120.00} they claim they received back on XXXX XXXX, 2016 when it was already credited back in XXXX as should have been. Over the months, ever since XX/XX/XXXX, they have been XXXX claiming this was not paid on time. Until they sent back this check on XX/XX/2016 to Bill Pay all the monthly payments were sent except the 1st one as I had sent the check up to Lowe 's in XXXX XXXX and by the time they sent it back to me I had to do a telephone payment on XX/XX/2016 which is documented on the statements sent to me. Why they have been trying to claim I did not pay and undoubtedly have putting this information in for the credit bureaus to down grade my credit is all wrong. I am not sure which tracking number belongs to this particular complaint as I made several to you. I did not know my password and so I could not pull up what you might have received so far from them. I know they intentionally sent back the ck.

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