Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My name is XXXX XXXX I became XXXX XXXX and XXXX. My JCPenney was closed. Information about there hardship program was withheld months before discloser. The disregard and biases I endured before someone kind enough informed me has know led up to more prejudices.

XX/XX/XXXX I was placed on the Hardship plan by end of XX/XX/XXXX health wise I didn't think Id make. Still I pay debts, had card over 10 years payment date is on XX/XX/XXXX of each month JCPENNEY OR ANY DEBT COLLECTOR WILL CONTINUOUSLY CALL THE NEXT DAY AND EVERY DAY AFTER WHEN YOU DO NOT PAY YOUR DEBTS.

In XX/XX/XXXX while on hardship I received one ( 1 ) call from a nice young lady when leaving hospital informing me payment was missed. I apologized asked her if I'd get late fee with hardship she said no. I thanked her advising I'll gladly pay soon.

XX/XX/XXXX recovering from XXXX  I utilized paying debts via phone {$28.00} to JCPENNEY and everyone owed were payed on time. I received NO CALLES ABOUT A MISSED PAYMENTS.

The fear of filing or recovering from bankruptcy wasn't an option for me having little debt. In the interum I caught a very bad XXXX XXXX for 2 months.

XX/XX/XXXX left hospital accessed computer immediatley paid {$56.00} owed JCPenney.

XX/XX/XXXX JCPENNEY called I was aware until XX/XX/XXXX when checked messages. Number showed as unknown in voicemail restricted in call log.

Called XXXX XXXX spoke to XXXX he informed me I was kicked off HARDSHIP unless I could prove I paid through IVR system I could be put back on it? I informed XXXX how can I prove that if it didn't go through?

4 or 5 years ago this incident happened with JCPenney IVR system glitch. Respectfully, JCPENNEY CALLED THE NEXT DAY about payment. I had ask for supervisor for resolve which was due to history. Its XX/XX/XXXX XXXX   no one called until after my XX/XX/XXXX payment.

XXXX transferred me to XXXX she REFUSED TO ANSWER WHY JCPENNEY NEVER CALLED MY PHONE 90 DAYS ABOUT XX/XX/XXXX 'S PAYMENT UNTIL XX/XX/XXXX?

JCP DIDN'T KNOW IF I WAS ALIVE UNTIL PAYMENT DECEPTION BEGAN.

XXXX all who represents JCPENNEY Purposely VIOLATED MY RIGHTS, AVOIDED CONTACTING ME 90 DAYS TO PREVENT THE APR 25.99 % FROM GOING UP XX/XX/XXXX I called again in hopes to speak to an HONEST CIVIL CONSUMER like myself instead spoke to XXXX   or XXXX a female in another country. Again, willing to Violate our Consumer Rights.

AXX/XX/XXXX still distraught from prior call I called searching for answers again. I believe her name was XXXX. She stated SOME HOW MY TELEPHONE NUMBER WAS REMOVED FROM MY ACCOUNT SHE DIDN'T KNOW WHEN IT WAS ADDED BACK ON.

I almost fainted an asked her " HOW CAN YOU SAY THAT-HOW WAS MY NUMBER ADDED BACK ON '' She ignored question, was condescending I was disgusted.

Everyone I spoke to had great Discourtesy and Disdain became Greatly Insulting.

Meanwhile, XXXX knew I was hopelessly worried. She claimed a supervisor would assist me instead I was Humiliated and Embarrassed she stalled and sent Police to my Home then disconnected the call.

Luckily, the officers knew me and intend to trace back it back to her at JCPenney.

XX/XX/XXXX XXXX  called from JCPenny was restricted. XXXX continued same script blaming me why not answering why JCPenney had a right to not contact me like they did XX/XX/XXXX and inquire about my payment?

There unwillingness to answer, research and/or resolve this matter unbeknownst to me was done with great XXXX. Actions taken against me were appalling, unnecessary, unwarranted especially when my History paid my account until I took ill.

JCPENNY was the only company charging me with missed payment in XX/XX/XXXX. Had they called XX/XX/XXXX even XX/XX/XXXX this could've been rectified.

I feel singled out intentionally for my credit to be damaged. JCP reps knew in the beginning how I called and called to get and keep Hardship until I got on my feet. This was done on Purpose the constant Incivility, how I was spoken, there Prejudice and Biases was obvious.

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 monetary relief