Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My bankruptcy was filed electronically on XXXXXXXX XXXX XXXX. I was contacted today regarding a Sams Club account for XXXX in the amount of {$5700.00}. 
I still have all my bankruptcy paperwork and told them that this account was on there however, my dates say XXXX and XXXX. First they said that it was because I filed bankruptcy for a personal account and the this is a business account so when I researched my bankruptcy account it had two accounts on there. I assume that was my personal and my business account. 
Their claim was that the amount was for XXXXXXXX  to XXXX My statement was that credit card issuer always issues you a new account number when cards expire I doubt that Sams Club would have given me two more account numbers if I was not paying on the other two, I told them this and that I dont think I owe the money. 
They started at resolving the amount due to be {$2300.00} and for me to pay {$100.00} per month As time progresses throughout this phone call they and receiving copies of my bankruptcy paperwork then they resolved it to 10 % of the actual amount. 
Now they want add {$570.00} in three payments of {$190.00} each. 
I made the first payment. Then I researched and found out that this payment is over 20 years old or close, and a debt collector could not collect on this or sue me. 
I am retired I am XXXX XXXX XXXX. I am on Social Security. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Regardless, I filed bankruptcy. These accounts were included, and I do not owe this debt. 
I am trying to cancel this payment as I honestly believe I do not owe it. 
Below is the email requesting that I sign the contract for {$570.00} which I have not done and will not do. 

XXXX XXXX XXXX Name : Original Creditor : BANK Our Account # : Original Account # : Total Balance : {$5700.00} Dear Mr.Mrs. 

In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$570.00}. The settlement is to be paid in 3 payments first payment is {$190.00} on XX/XX/XXXXXXXX  for two payments you will call us once a month. 

You can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you. 

We do not charge any payment processing fees and all Settlements are updated as Paid in Full. 

Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX PH # XXXXXXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. 


This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.

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