Consumer complaint received 2016-08-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Hello, I have a charge off with amazon that they sold to XXXX in XXXX XXXX. My account was opened in XXXX I recently found out about a consumer lawsuit that synchrony had that included illegal practices and my account qualified since I had account security yet they closed my account without allowing me to use it although they put the account security automatically on my account unbeknownst to me. 

To make long story short, they added this extra add-on for account security insurance that I had to look at a paper bill to note that they added that fee to my account monthly and it was in the event of job loss etc. they would cover up to {$10000.00} of my bill and I would make payments of XXXX % or so of the debt. 
The relief of the lawsuit was to be a credit for the fees in a check, a reduction of your final bill even if charged off { which I never received } or as it says in page XXXX of the pdf a delete of your account at the cra level and they also had to notify the cra of these things. 
This lawsuit covered accounts between XX/XX/XXXX and XX/XX/XXXX depending on which part of the lawsuit applied to you. 

Here is the link of the lawsuit and the relief that they needed to provide and did not in my case. This was in XXXX, however, my account is from the period for which this lawsuit was done. 
XXXX here is also a link to the CFPB article on this same lawsuit that I found : XXXX 

Here are my data points : 1. I was late a few times due to job loss and they closed my account when I went to make the next payment and told me that it could not be reopened. Ok. 
2. I pleaded with them to let me pay the next payment that I wanted to and they said it is already closed too late. 
3. I explained to them that due to the job loss I was a late a few times but they never ever told me of my option with this insurance that they added to my account without my permission that I was allowed to have account security and that I would meet the conditions of being covered. They kept this from me. 
4. According to the lawsuit even after it went into charge off they should have reduced the amount by the amount of the fees of adding this add on that I did not consent to and they did not instead when they sold it to XXXX XXXX in XX/XX/XXXX the amount was double the final bill of XXXX and now it is still XXXX and pra continues to reage the account monthly. 
5. They did not notify me or the cra of any of this or of the relief and I never received a check in the mail either. 
6. ON page XXXX or so of the synchrony pdf above it states that the trade line may be deleted. 

I attempted to call Synchrony in order to discuss with them and they simply told me that I could only deal with XXXX XXXX XXXX as they had my account. Speaking with XXXX XXXX is impossible because all they want is to get paid. And they too are in violation since I asked for no communication via phone and I have screenshots of my phone how they call me daily as I wake up and in the afternoon and at night from various numbers that I googled to be them. Harassment is what XXXX XXXX is doing aside from re-aging the account monthly so that I appear to have a new account in collections with them every month.

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