Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a notice from my employer that my upcoming paycheck on XX/XX/XXXX was going to be garnished. I had NEVER received any summons for court as they claimed to have placed on my front door. I asked for proof which they can not provide. They gave my info to contact a XXXX XXXX, whom I left messages for over a range of XXXX months with no return call to me or my employer that was also trying to contact them. In the beginning of XXXX a rep named XXXX called and explained to him what has taken place and that I can not eat or pay my necessities with this garnishment and it was unfairly obtained, I asked for a payment plan and he said that he can't help me. On XX/XX/XXXX ( after being garnished for 4 months ) XXXX XXXX calls me, after getting a request from XXXX to call, and agrees to help me with a payment plan on the remaining balance for XXXX a month as opposed to the XXXX a month they were taking for garnishment. He told me that he can not set the payments up over the phone and that I would need my file number and to go to their website and set them up. Which I did and have proof they are still in their system bc there is no way to delete them from my end. I was told on XX/XX/XXXX there was a court date to collect all funds garnished from XXXX, and he told me on XX/XX/XXXX there will be a court date to collect the remaining funds garnished. In saying that, he gave me verbal credit for the funds sitting with XXXX ( XXXX ) and said we were making XXXX a month on the remaining {$840.00}. They drafted a payment on XXXX for XXXX and on XXXX, 2 days before their next draft, they sent a garnishment to my employer again, while they also have payments on file with my checking info. Surely I thought this was a mistake, and after leaving multiple messages over a couple of days trying desperately to get them to call me back, XXXX called yesterday to say that they never agreed to any of that and confirmed that they are going to continue with the garnishment and the auto pays on file. He refused to help at all, would not delete the payments or the garnishment. This is completely ILLEGAL. I as a consumer am being lied to, tricked, and forced into a payment that I can not afford along with a biweekly garnishment. This company is in violation. I asked for the calls to be pulled and I asked for manger to call me back yesterday. He refused to provide the calls and nobody called me back. I advised them that I would be filing a complaint with CFPB and XXXX if they did not call me back. This has affected my entire life, mentally, financially, and physically. I have worked in the XXXX XXXX for XXXX years and this place is the epitome of classless debt collectors that give the professional ones a bad name. XXXXXXXX XXXX XXXX, You are disgrace to any business in this industry. YOU CAN NOT LIE OR BE MISLEADING AND YOUR CALLS ARE RECORDED I DEMAND THAT YOU IMMEDIATELY DELETE THE AUTO PAYS ON FILE OR CEASE GARNISHMENT I AM CURRENTLY OBTAINING LEGAL REPRESENTATION TO TAKE LEGAL ACTION AGAINST YOUR COMPANY

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