Consumer complaint received 2023-09-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
In XXXX, the XXXX XXXX XXXX banked with XXXX Bank. I received a letter from the bank that said, future payments should be made to Synchrony Bank. I immediately called the XXXX XXXX XXXX and asked, what I needed to do. I was told to call the bank, since the XXXX XXXX XXXX was not allowed to contact the bank, they were however able to Transfer calls. As time went on, I placed my orders with the XXXX XXXX XXXX as usual! When my New Card arrived from the Synchrony Bank I went into my Bank account and changed the account number. Of course, I had to activate the card which was done. When I would order something, they would say, " YOUR ORDRT IS COMPLETE AND CHARGED TO YOUR ACCOUNT ENDING IN XXXX ''! I knew this was the wrong account number, so I called both Home Shopping Network, which in turn transferred me to the Synchrony Bank once again to the Synchrony Bank. I spoke to a woman by the name of XXXX. She advised me that " I was fine there no need to be concerned! '' I even read the card # to her, once again she said " That is correct there is NOTHING for you to be concerned about '' Now. XXXX XXXX XXXX has wiped my account, and Synchrony Bank, says I owe them $ XXXX dollars! 
I did my due diligence with both the bank and the XXXX XXXX XXXX! There has to be some record of where my PAYMENTS have been sent. According to Synchrony Bank they have no record of ANY of my payments. I am sure my Bank " XXXX  XXXX XXXX '' put at least the last XXXX numbers of my credit card on the account! " XXXX ''. I have done everything I can to but the Synchrony Bank insist I still have to pay them the amount. This is NOT my fault, the fault lies with the banks and not paying attention to the information provided to them. My last Statement from XXXX showed that I had XXXX Flex payment left for an XXXX PRINTER that I had purchased in the amount of {$16.00} ; in addition, where has my other payments gone to? I am XXXX XXXX XXXX and do not have this kind of money just lying around. XXXX only knows what these people will do to my Credit History! I am hoping that you can INVESTIGATE this bank to see if they have done anything like this to anyone else. I have requested my bank statements to show all of the funds that I have sent to Synchrony Bank in XXXX, ( WHICH ARE COSTING ME {$5.00} per Statement ) they are only requesting $ $ $ from XXXX. But first I need to find out how much money I have sent to Synchrony Bank? 
After all I did do my due diligence, not only to XXXX, but to the Synchrony Bank as, well, and for a member of their STAFF to tell me NOT to worry about it. On a personal note, I have NEVER BEEN LATE WITH A PAYMENT, & USUALLY SEND THEM OUT DAYS IN ADVANCE SO THEY ARRIVE ON TIME, WHICH IS THE XXXX of the month, Since I do ONLINE BANKING If, you are unable to assist me, I am hoping you can help by forwarding the following to the proper authorities, these people need to be investigated! 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX. As you can see by my Banks they have the RIGHT CARD #!

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