Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had a Qcard with QVC I bought an item and paid for it in full on my Qcard. I have copies of my payments and spoke with Synchrony Bank of Qcard and they said my balance for the items were paid in fill nothing is owed to QVC, this was on XX/XX/XXXX and my account was closed. I never heard anything further from Qcard or QVC, nothing in the mail or anything until On XX/XX/XXXX I received a collections bill for {$98.00} from XXXX XXXX XXXX XXXX demanding unpaid charges from QVC. SO QVC has my address and never once sends me a message if I still owed them money- you know why they didnt because I DONT owe them anything as the bill was paid in FULL! I tried callin g QVC to straighten this out and have them call the Q card people but a lady name XXXX refused to do so and just kept giving me the phone # to XXXX XXXX. I tried calling to XXXX XXXX as contact this at the number listed - XXXX-but it states to write a letter within 30 days of the date of the letter which was XX/XX/XXXX- so I called as there is no address to send this to, and I wanted to orally dispute this on the phone but the lady would not listen instead she kept stating that this was an attempt to collect a debt and any information I state will be used against me for that purpose!! What the heck! I couldn't even dispute the bill on the phone. I do believe that XXXX XXXX was sued for this very reason in XX/XX/XXXX District Court of NJ and in XX/XX/XXXX in XXXX District of WI that oral disputes are equally valid and that not informing consumers such is a violation of FDCPA. This letter and the disregard I received is such a violation. Furthermore, the letter doesn't give an exact address of where I would even send a letter of dispute, instead it has no address the section advising of written dispute within 30 days and it gives several address elsewhere. SO which address is it? Furthermore, when I attempted to contact QVC to contact their Qcard people to resolve this issue as Qcard states I paid the balance in full - QVC refused to speak with me and instead kept giving the phone number to XXXX XXXX. IS this some sort of scam??? This bill is paid in full and since I seem to be unable to dispute this orally or in writing to XXXX  XXXX or QVC I am advising the XXXX  and will also advise the FTC that XXXX XXXX is in violation of the FDCPA and also depriving me of my rights to dispute this collection bill. Maybe XXXX  can advise XXXX XXXX in violation of the FDCPA and QVC in violation of never sending me a bill since XXXX, never contacting me advising that they believe I still owed them money and further more by ever corresponding with the Qcard people to gather how the bill was already paid in full. QVC and Qcard are a disaster and should be shut down at how they run their business. XX/XX/XXXX ACH Transaction - QVC XXXX QVC EPAY XXXX ACH Debit - {$19.00} -- XX/XX/XXXX ACH Transaction - QVC CC QVC EPAY XXXX ACH Debit - {$75.00} -- XX/XX/XXXX ACH Transaction - QVC CC QVC EPAY XXXX ACH Debit - {$50.00} plus per Qcard payment phone discussion on XX/XX/XXXX payments for {$130.00} and {$87.00} were also made. Qcard advised they would send me statements in the mail within 12-14 days as the card and QVC account are closed and they can not email them to me. 
I want a correction to my credit report, I want this bill correctly placed at XXXX as paid in full because it is. I have made several payments, I want no more contact from this XXXX XXXX XXXX XXXX as this debt is not even valid and clearly they didn't even attempt to verify it. I am not exactly certain of the actual purchase/ transaction date with QVC , but originally Qcard was sending my bills to wrong address, but they did correct that issue and removed all the late fees on XX/XX/XXXX- at that time I paid a large sum to them. Qcard and QVC stated I would receive one more bill which I did on XX/XX/XXXX for {$19.00} which paid the bill in full and my accounts were closed. 

I am not exactly certain of the actual purchase/ transaction date with QVC , but originally Qcard was sending my bills to wrong address, but they did correct that issue and removed all the late fees on XXXX- at that time I paid {$130.00} to them and Qcard and QVC stated I would receive one more bill which I did on XX/XX/XXXX for {$19.00} which paid the bill in full and my accounts were closed. 


Dates I complained to the company/organization : First Date : XX/XX/XXXX - To QVC and Qcard Second Date : XX/XX/XXXX - To QCard Third Date : XX/XX/XXXX - To QVC, Qcard and to 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 explanation