Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
In XX/XX/XXXX, I called synchrony bank to discuss a balance that I saw was still owed on a promotional interest free loan that was originated in XX/XX/XXXX for my dogs medical expenses. A few days prior to this phone call I had made a XXXX dollar payment to pay off that promotional balance. When I saw that I still owed XXXX dollars I called to inquire as to why I still owed XXXX dollars when I paid off the promotional interest, free balance. The man that I spoke to did not speak very clear English so it was hard to understand everything that he said, but I did hear him say that the XXXX dollar balance would be removed and my statement would reflect that but it might take a couple days. I left it at that and carried on with my life and never thought twice about it. At the end of XXXX, I received a text message from synchrony bank saying that I was past due so I called and I spoke to several people that day trying to get them to understand that something was not correct on their end, and that I had spoke to somebody in XXXX who said that that balance was going to be removed. I asked them to pull up the phone call that was recorded and they more or less gave me the runaround and told me that they could not pull up text communications, etc. etc. I ended the phone call. I believe by telling him that they need to review that telephone call that I made in XXXX. Sometime in the first week of XXXX, I received another phone call from synchrony bank in which I was able to communicate with some customer service agents that they needed to review the phone call from XXXX in which I was told that I owed no more money that the balance would be cleared. It would just take a few days, the lady said that they would investigate that and that I should ignore any text messages or phone calls saying that I am past due. On XXXX XXXX, I received another phone call from synchrony bank telling me that I was past due. I spoke with the lady and said that they are supposed to be reviewing my telephone call from XXXX in which was told everything was good and I owed no more money it would just take a couple days to reflect On my statement. today XX/XX/XXXX I called synchrony bank to see where they were at in the process of pulling the recorded phone call and listening to it to ensure that I am in fact, correct in my belief that I was told I owed no more money. The man, I spoke to asked for confirmation purposes, the phone number that was linked to this account in which I gave him my phone number, and he said that it was not the phone number that is attached to the account. I have gotten nothing but runarounds and smoke in mirrors since this all started in XXXX. Its awful and Im afraid that Im going to start getting derogatory marks on my credit report. Not to mention that I am now finding out that this is not an interest free loan. This is an interest, free or interest deferred credit card that has monthly fees associated with it. When I signed up for this, my dog had a hole in her chest that needed to be stitched and it was gon na cost me the better part of {$1000.00}. {$1000.00} I did not have at the time So it did not take much convincing for me to sign dotted lines to get the money to pay for the procedure. I have paid the promotional interest deferred balance, and owe no more money.

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