Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NM)

Complaint:
I received my first statement from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX, stating that I owed {$290.00} in regards to an outstanding account after I made two purchases at Old Navy in XXXX. Upon further review of all my records, this is what I was able to deduce : 1. I never received any statement ( s ) from Old Navy at my address after these last two purchases were made and now i know why. XXXX XXXX sent me a copy of an Old Navy statement with a due date of XX/XX/XXXX which i had never received as it was sent to the wrong address ( XXXX instead of XXXX on my street ). 
2. From XXXX XXXX, i also received a copy of a letter dated XX/XX/XXXX stating that Synchrony Bank had sold the account to XXXX XXXX. This letter was mailed to the wrong address ( XXXX instead of XXXX on my street ), and i never received it either. 
3. XXXX XXXX must have researched as i received their first statement dated XX/XX/XXXX to my correct address. 
As notes on my account specify, immediately after I read their letter, I had a few phone interactions with XXXX XXXX regarding this outstanding account and attempted to sort out what had happened. As such, the account ended up in a status of being disputed as specified on their second statement dated XX/XX/XXXX. 
After researching my past bank statements and resolving the fact that I do have two Old Navy Visa cards ( one of which I never activated ), I do acknowledge that I did make two purchases at Old Navy in XXXX for the total amount of {$88.00}. On XX/XX/XXXX for {$3.00} and XX/XX/XXXX for {$84.00}. Not having received any statements from Old Navy and not having received any collection letters from Synchrony Bank, I was unaware that these two purchases were left unpaid. After receiving two XXXX XXXX statements and various dispute resolution phone calls, I sent a check ( # XXXX ) dated ( XX/XX/XXXX ) for {$88.00} ( the amount of both original purchases ) to XXXX XXXX in anticipation of resolving this matter quickly. As I never received any Old Navy statements and as I never received any collections letters until this one, I did not include any of the {$200.00} in accrued interest ( which is still outstanding and I am disputing ). 
I contacted the Senior Citizens Law office in my city, XXXX NM and they advised me to contact you to register a complaint. They also suggested that I get my credit report to see if XXXX XXXX had posted any adverse information. They have. Until this adverse report from them I have never received a bad credit score in my life. There is literally XXXX pages of positive credit reports and the one from XXXX XXXX ( which will remain for the next 7 years ). I feel this company was exploitive with me and over multiple phone calls made no attempt to compromise on the amount due. The interest due has thus accrued to a whopping {$200.00} which i believe to be unconscionable. 
Respectfully, XXXX XXXX

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