Consumer complaint received 2016-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a credit card account with Ashley Furniture on XXXX XXXX XXXX under a promotional program, NO PAYMENTS, NO INTEREST, NO CHARGES until XXXX XXXX, I was in the XXXX XXXX when I was notified on XXXX XXXX, XXXX that I was XXXX of XXXX XXXX in the country that were going to be randomly recalled to XXXX XXXX and XXXX to XXXX with little to no notice. I began training on orders from XXXX to XXXX XXXX and had expected to report for XXXX XXXX in XXXX, but my orders were delayed until XXXX, I had received my first account statement from GE Money Bank in XXXX XXXX, no payment was due and I had contacted GE in XXXX XXXX. I let them know that I was a XXXX who would be reporting for XXXX XXXX and XXXX to XXXX with little notice, so I wanted to set up a automatic payment arrangement and get information about were to send my SCRA request and a copy of my orders, GE had said that they would provided the SCRA protection to me once I sent them my notice and a copy of my orders. I checked in to my duty station recontacted GE to confirm the address and mailed my documents in XXXX XXXX, then again in XXXX XXXX, but was charged interest in excess of the SCRA 6 % maximum, my account was closed by GE in XXXX XXXX and received adverse credit reports every time I requested the SCRA. The account was paid in full in late XXXX, but was never adjusted for the interest charged in excess of 6 % and the response to my SCRA request was for the SSRA of XXXX, the balance was {$2500.00} in excess interest, it was never adjusted and I stopped making the payments demanded after I XXXX. GE had reported the account as charged off before I returned and never repaid the {$1000.00} paid in excess or removed the {$2500.00} that was reported still owed. The Virginia DOJ had settled my case with GE Capital after my law suit that was filed XXXX XXXX, XXXX and GE responded to the Court on XXXX XXXX, XXXX, and I emailed XXXX XXXX the XXXX DOJ on that same day, he was the Paralegal who I had provided all of my court documents to in XXXX XXXX, and the GE account statements. I emailed him that GE had admitted that they had violated the SCRA in their Answer to the Court, but they had only admitted it in a settlement letter sent by their Attorney, they did n't file their Answer until XXXX XXXX, XXXX. I was still on XXXX XXXX when the Complaint was served and issued orders for XXXX on XXXX XXXX, XXXX, I filed a copy of my orders with the Court on XXXX XXXX XXXX with my request for an extension to respond to XXXX XXXX XXXX and GE Money Bank, but the case was later dismissed when I was n't able to file a response with the Court. I never received compensation from GE Money Bank or the DOJ, I was XXXX until XXXX XXXX, I was on medical leave until XXXX XXXX, XXXX and moved to XXXX Florida. I then XXXX to XXXX in XXXX XXXX in support of the military operation when I was notified that my XXXX Clearance was being adjudicated and they wanted information concerning any of the payments made to me for the unresolved accounts. I thought it was a typo, but I had been reporting my creditors for SCRA violations after they had signed Consent Orders for the SCRA, but I had n't ever been compensated, which resulted in the Adjudicator wanting information about the outstanding debts that had been reported. I have emails from XXXX XXXX up to XXXX XXXX between the XXXX. Paralegal, the JAG Attorneys and the emails forwarded between us, XXXX XXXX said the GE Money Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX filed in my law suit were provided to the Legal Assistance Office JAG Attorney. I never had the chance to contact them, but from the emails I have it was sent to the XXXX JAG Attorney, XXXX XXXX, which is the XXXX XXXX XXXX Virginia, so he must have contacted the DOJ office.

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