Consumer complaint received 2020-01-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
To whom it may concern : I would like to take this time out to address a problem that I am having with my HSN credit card company owned by Synchrony Bank Between the months of XXXX to XXXX of XXXX Synchrony Bank informs me via my monthly billing statement that I was delinquent by more than {$800.00} on my HSN credit card. Upon immediately phoning Synchrony Bank I was informed that these transactions occurred between the months of XXXX XXXX in the year of XXXX. As I have tried on many occasions to inform Synchrony Bank of their grossly incorrect calculations they continuously insisted that I owed said amount. I consider myself to be a mature conservative shopper and would not shop in said manner. 

I would like to state that my HSN credit card is paid in full. Synchrony may try to insist that I have a {$13.00} balance left to pay on my winter boots ; However I have paid more to Synchrony Bank than what I should have so as not to ruin my credit as I gathered my information to dispute their claim, while patiently awaiting for their written response. 

Below I will ask several important questions and I will also submit a copy of a billing statement that I received from XXXX XXXX XXXX, the bank in which I originally applied for the HSN credit card, as well as what I perceive as a callous response from Synchrony Bank. 

1. If there was an {$800.00} debt why didn't XXXX XXXX XXXX address this matter before being replaced by Synchrony Bank? And if this debt were true wouldn't it be owed to XXXX XXXX XXXX and not Synchrony Bank? 

2. Why would a credit card company in this matter XXXX XXXX and Synchrony continue to allow this consumer to keep her credit in good standing with HSN, the credit bureaus, and never revoked her credit limit nor stopped her from using said credit card at any time since receiving it in XXXX to present date? 

3. How is it that during the late Summer to the Fall of XXXX when I asked Synchrony Bank to please provide said proof of such purchases I did not receive a response from them in writing until XXXX of XXXX? 

4.Why would a Bank in this instance XXXX/ Synchrony increase my credit limit 3 times after my initial application? I can assure all involved that I this consumer never requested nor applied for any increase above {$500.00}. 


5. Of the time frame that Synchrony Bank insists that I the consumer charged {$800.00} or more INCLUDING INTEREST onto my HSN Credit CARD ; can someone please explain to me as to how one charges {$800.00} of merchandise onto a credit card that held a limit of only {$500.00} from XX/XX/XXXX/XX/XX/XXXX to XXXX - XXXX of XXXX? Which only increased by {$200.00} in XXXX of XXXX ; bringing my credit limit to a total of {$700.00}. 

6. Synchrony states in their letter that they can not track back a year to find the records of said money that they believe I owe. Yet how and where did they happen to find information to enable themselves to believe that I owe their company over {$800.00}? 

Sincerely,

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