Consumer complaint received 2016-03-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
SUMMARY : I signed up for an Amazon card late last year which reflects charges I do n't recall making. I received XXXX email letting me know I was past due in XXXX and XXXX paper invoices ( XXXX and XXXX in XXXX of XXXX ), but neither of the notices listed the line items for the charges. I now have a collections agency after me and despite my multiple attempts to find out what the charges are for, I can not get an answer. 
BACKGROUND : In XXXX of XXXX, I received my first email from Amazon.com telling me my card is past due. I attempted to log into my account to understand what those charges are. I successfully logged into my Amazon.com account, but the Amazon Credit Card required a separate log which I do not have, nor did I ever have XXXX. I then attempted to log in through the " I forgot my user name '' and then " I forgot my password '' and could not get in. 
On XXXX XXXX, I called the Amazon Credit Card / Synchrony bank and managed to get my account number. While on the phone, I requested information on the charges. I had my address, SSN and any security information, but they told me they could not see what the charges were for. 
I then attempted to log into my account again, I entered my credit card number and it came back to me with, " card not registered ''. 
I received XXXX paper invoice in the mail while I was out of town a few weeks ago. Today, I received a second invoice and notice from a collection agency for my Amazon Credit Card. 
I called the collection agency, they transferred me around a few times and I finally made it to a manager. I spoke with " XXXX XXXX '' XXXX XXXX/XXXX/XXXX ) at XXXX XXXX about the collection notice. Explained I made several attempts to understand what the charges are for and I still do not have an answer. Therefore, it is difficult for me to send anyone any money unless I know the charges belong to me. She said she would " request for a letter '' to find out what those charges are for, but I had to pay her {$25.00} in order to remove the " delinquent '' status on my account. I explained I am not willing to pay any money until I know what the charges are. She told me to call customer service at Synchrony. 
I called Synchrony, entered my credit card number and last XXXX digits on my Social Security Number. I made it to a representative, explained the situation and they said they " have limited access and I would have to call customer service ''. When I got off the phone I realized the number the collector and Synchrony gave me were XXXX and the same. 
If I did make the charge and I can not recall, I am more than happy to pay for the items, but I find it difficult to pay for something I do n't even know if it belongs to me and it is impossible for me to find out. 
I can use your assistance in finding out what the purchases were for and if they do belong to me. 
Thank you. 
Kind regards, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX 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 monetary relief