Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (KS)

Complaint Description : I used my card on XXXX/XXXX/XXXX for the first time in years. On XXXX/XXXX/XXXX the account was closed and sent to collections. Before it was even due. In XXXX I opened an account with my father. The limit was {$9500.00}. He passed away in XXXX. Some time after that I called to inform care credit. They stated they removed him and lowered my limit to {$1500.00} without him on it. On XXXX/XXXX/XXXX I used the card at my son 's dentist appointment for {$100.00}. On XXXX/XXXX/XXXX they issued a statement with a due date of XXXX/XXXX/XXXX. I noticed my father 's name was on the statement as " secondary '' so on XXXX/XXXX/XXXX, I called care credit who informed me my account was at recovery and they had to transfer me. I asked how that could be since it had been less then two weeks since I made the charge? I EVENTUALLY made it to someone that identified them self as a manager who told me they restored the account and it will be fixed. On XXXX/XXXX/XXXX my husband received a call from a COLLECTION company to verify MY death date! I am in the middle of a home refinance! Not only did they send my account to collections after TWO WEEKS FROM THE DATE I USED THE CARD. They clearly ran my credit to get my husband 's phone number to call to verify. I am in the middle of a home refinance and this could potentially ruin it and cost me a lot of money. The card will now show on my report as closed by credit grantor, and I never missed a payment or did anything wrong. When I called back today I spoke with XXXX different people who all told me different things. 1 ) there are no managers here today, call back Monday 2 ) your account is closed permanently 3 ) your account closed because it expired ( there is no expiration on care credit cards and I used it two weeks prior ) 4 ) your account closed due to inactivity ( but it worked on XXXX/XXXX/XXXX? ) 5 ) I do n't know why they closed it 6 ) call back Monday to get the loan you want ( I do n't want a loan! And I ca n't have my credit run right now! ) 7 ) it is set to issue you a new card ( nooooo! I am refinancing! I ca n't have my credit run. Please dont! ) I asked repetedly to speak with managers and I was refused for different reasons. Most common was " why do you want to talk to them '' then when I explained for the millionth time they would say " we 'll they ca n't help you anyway it 's already done ''. I went as far as calling the synchrony bank main line to see if I could just get someone to help that could get me a number above the extremely rude and taunting bottom level customer service reps. I did get one level above once, to someone who could n't do anything but said there was nobody above her to talk to. She then informed me I had never talked to a manager before ( who exactly was the person that said they were and " fixed '' it all? ). I am so extremely upset. I was on the phone over XXXX hours total with both days and I literally got nowhere, they wo n't help at all. Please pull those calls! Half those people should be fired. I asked XXXX extremely antagonizing guy what his name and id number was and he refused to give me either! Someone please help me with this! It has to be illegal to send something to collections after TWO WEEKS FROM THE PURCHASE DATE. The bill shows a due date of XXXX/XXXX/XXXX! I could potentially be out a lot of money if this is n't fixed quickly. The company refuses to help me. They just gave me a XXXX to write to in XXXX, about my problems.