Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
@ three years ago I purchased a XXXX XXXX bed with 36 months of interest free payments to be made. ( which I made on time with ACH payments from my checking account ) After 36 months of making all of the payments they are showing that I owe them a high balance remaining and say this is from some type of credit card protection fee. 
XXXX. I never had a credit card from them. ( Synchrony Bank ) XXXX. They say I " checked '' a box for this on my application. I never did. 
XXXX. I have literally spent hours on the phone with them and they keep saying they will look into it. Then they refer me to a different number where they then refer me back to the first number. 
XXXX. I am a XXXX year old veteran and need you assistance with this please. I do not want them destroying or damaging my credit rating. 

My latest communication with them : XXXX, Something to consider Inbox Synchrony Bank XXXX Unsubscribe Wed, XX/XX/XXXX, XXXX ( XXXX hours ago ) to me Account Ending In XXXX | Log In Let 's talk solutions Hi XXXX XXXX Your XXXX XXXX/SYNCHRONY BANK account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus XXXX. 
Current Balance Total Minimum Payment Due Due Date {$1300.00} {$280.00} XX/XX/2024 No login? No problem Click Here and Select Pay As Guest We're here to help XXXX Call us Weekdays XXXX XXXX.- Midnight Weekends XXXX XXXX- XXXX XXXX. ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

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2024 Synchrony Bank XXXX XXXX Synchrony Bank, XXXX XXXX ( XXXX ) I have called numerous times to discuss the fraudulent charges that were placed on my account. It seems that nobody has cared to listen to the now " hours '' of time I have spent on the phone with you! 

Given your lack of attention to detail and the fraud that has been perpetuated on my account I am now in the process of filing a report with the Consumer Financial Protection Bureau. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXell XXXX XXXX XXXX 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