Consumer complaint received 2023-10-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX and XX/XX/2023, I mailed Synchrony Bank a Billing Error Dispute Affidavit and they did not respond. I informed them also via phone, but I got no response in writing. So on XX/XX/XXXX, I uploaded a notarized version here with the CFPB to get their attention because they were refusing to honor my requests for Documentary Evidence as provided by the law 15 U.S. Code 44 - Definitions Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. They gave a flimsy answer here around XX/XX/XXXX to CFPB BUT STILL REFUSE to contact me directly to address the real concerns. The affidavit said rebut item for item if you dispute the laws Im standing on because I believe and still believe I was being billed in error for a debt that I did Not owe to Synchrony. Even so, they never stopped their debt collection and demanded payment. I told them on their own recorded lines several times that we are in a billing error dispute and they were to cease collection because I did NOT have to pay until we resolved it by Synchrony providing the Documentary evidence, notifying the credit bureaus of the Dispute ( which they never did ), placing Dispute label on my account ( which they never did ) and responding to my affidavit of truth regarding my billing error dispute ( which is again Re attached ). I made the payment in full but sent another copy of the billing error dispute to them along with payment in full. The payment and billing error dispute were then mailed via USPS certified mail with signature required to the attention of the CEO. They received it on XX/XX/XXXX and it was signed for on that day, but they then pretended until XX/XX/XXXX that they could not find it. Around XXXX XXXX they posted the lawful payment for XX/XX/XXXX and closed my account. This was clearly an act of Aversion as the law prohibits during a billing error dispute. They said the reason was for payment delinquency. This account was never lateI placed them in a billing error dispute according to the law and lawfully withheld my payments. According to the law which states : 12 CFR 1026.13 - Billing error resolution ( Regulation Z ) ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ) It prohibits acts of aversion : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. 
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 
Synchrony bank violated all of my lawful rights under the billing error dispute and Im not sure if its because they didnt value me as a XXXX XXXX or a person with a XXXX but Im attaching the recording of their own managers agreeing that the account should not have been closed because they saw the dispute on my account finally in late XXXX. Im incurring damage daily as I needed my card for XXXX expenses. I was told in late XXXX the account would be restored within three days. But its XX/XX/XXXX and its still closed and XXXX XXXX who did the previous flimsy lazy response hasnt contacted me nor has XXXX XXXX in the billing inquiries department responded after numerous messages I left for her. I have recorded my number messages for proof and my conversations with Synchriny because they always say it will be recorded so I always say that I agree to the recording of the call and so I record too. Ive attached only two but all of them are available to them or to the CFPB. I want my account reopened with my same {$3800.00} credit limit with {$3800.00} available to me immediately. Correction, the audio files exceed the limit allowed by the CFPB. I can mail on a flash drive if desired. I made copies.

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