Consumer complaint received 2015-06-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This complaint is regarding XXXX XXXX XXXX XXXX issues with my account ; auto-payment, returned payment on XX/XX/XXXX, and the closing of my account. 
Auto payment : I received a notice that stated that because my checking account information was incorrect, an " automatic payment '' was returned. This information concerned me because I did not sign up for auto-pay. I called on XX/XX/XXXX and spoke with XXXX regarding my concern about fraudulent activity because I never signed up for this service ; my thought was that someone was trying to get my checking account number. After she reviewed my account with a supervisor, I was told that the issue was resolved, my account had been noted, and that there will be a fraud alert put on my account. A week later I received a letter stating that the " auto-pay '' had been terminated. 
On Wednesday, XX/XX/XXXX, I checked my account online and found that it had been closed due to the returned payment. The customer service representative that I spoke with was very quick to dismiss my concerns, I requested that she transfer me to a supervisor. Supervisor XXXX, who told me that they do not put fraud alerts on accounts XXXX this is also concerning ), was sympathetic but ineffective and referred me to the dispute resolution department. Furthermore, he alerted me to a returned payment on XX/XX/XXXX for {$200.00} and explained that since the {$25.00} payment was returned, my account was closed. 
According to Synchrony's/Chevron 's representatives XXXX I signed up for auto payment on XX/XX/XXXX and yet only XXXX payment posted in XXXX. Again, I never signed up for recurring payments. After my conversation, the charge for {$25.00} on XX/XX/XXXX is no longer showing on my online payment activity. The payment was denied due to incorrect account information, yet the payment that I made posted. 
Returned payment on XX/XX/XXXX : A payment made on XX/XX/XXXX in the amount of {$200.00} cleared my checking account on XX/XX/XXXX ; I attached a copy of the transaction number from my checking account, and requested that they please make the adjustments. Instead, Synchrony's/Chevron sent me copies of XXXX statements and a post dated letter telling me ( for the XXXX time ) that my account had been closed. 
I have requested that a resolution of this matter will allow them to reinstate my account as well as credit my account for the {$200.00} payment on XX/XX/XXXX that has been noted as " returned '', however, I have been told that the matter has been resolved, my account remains closed and it has not been credited the {$200.00}. 
I have warned the creditors that I am filing a complaint and now they are stating that it is a corporate matter and will take yet another 30 days to resolve. In the meantime, this is affecting my credit score. 
Finally, during my last conversation with representative XXXX, I was required to give my full checking account number ; this also concerns me that this sensitive information is required from someone who can not resolve the issue

Company response to consumer: Closed with monetary relief