Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was unemployed through no fault of my own for more than a year and have received no response, claim information is inadequate in a hospital, and the boss 's heart is now dead. I have felt aloneand intimidated especially this yr.as the bank behind cc synchrony said they were herassing me to settle, broke and enemployed me because they can not sewe insurance on their card for me but unfortunately forthem paypal honored 7 payment 3 then kicked it out making my ill self deal withwhy again refile? They said i need to file it as workmans compas just out of rehab from totalled vehicle.REP said it would solve it.they paid 3 or 4 more payment .While this year i noticed the XXXX jump to XXXX the same weak synchrony called one more day woulda been herassment12 consecutive i assume someone was tacking on owed money soi filed a fraud claim to stop the process over the phone they said no proof of insurance to show proof and to show proof i had insurance and theyll clear it up but as you'll see below, no matter how many times i fill and get it signed they send this same letter.Saying if i can show i was in XXXX after my birthday month, what do you know thats my point while im working on that the total increase the calls and denial its covered, doesn't matter now credit and life is so messed up meanwhile i call paypal to force an answer as to why am i blocked from accessing acct to work on well.20 months ago they allowed XXXX to deduct 60 dollars more than card limit, opened an acct and never sent one email or letter pertaining to it instead truly screwed me all this happened this yr paypal and synchrony providing no remedy for insurance MOST eligable if ever.UNEMPLOYED as i type.half this time novehicle to get to jobs.Had noclew i was to borrow money for certified mail and my mental is not capable of these games and neglect bare minimum.JUST sent synchrony proof of hospitalization and insurance.paypal not notifying of a 60 acct being theirreason to blackball and how synchrony is saying never had insurance security protection up to 10k.what they call it.THis caused my savings to be overdrafted ruining that acct/relationship as i was helpless and never authorized it.my bank didnt allow their withdrawl and they left it in an acct and never said a word until somebody finally located the problem and now the rush to pretend that doesn't matter and synchrony charged off and ignored the insurance vanishing both companies probably protected arbitration this isnt small everything has been mishandled now my nightmare.WE are gon na need phone recordings to hear their responce once theyrealized the reason for my negative credit issues, HONORING MY INSURANCE.neglect and intimidation bad records both didfferent pages not getting updates that they paid seven months of it.this my desperate plea for last minute help as i can not sue.peopleare just learning about cfpb and our rights.Synchrony recently argued me down on how with one individual that they dont have insurance and its notr for incapacitated humans or tragety.The next call thelady asked if i could show proof of insurance shocked that I was serious, their deptments messed up and not communicating withpaypal is wrong alsobecause paypal offered the security coveragebut sychrony is the one not investigating my life to easily show im exactly the perfect claimer MY LIFE IS tough. HOWmuch did the breach effect all this? didnt help lets hope they honor the claim there.ps i have scanning issues but i have letters saying from syncrony stating what theyll cover up to 10 k letters after letters but i cant type anymore they messed uptheres proof, imagine not having resources or their word of fullfilling my obligations i have whatevers needed copies even of what isent that they just kept resending a packet like i never did what they asked they said show proof i was injured and in a rehabilitation center along with being unemployed.Theres paperweorkgalore they failed.u got me afraid to send this without giving you my entire computer.Why are they saying my file shows no safety protection insurance shocked and aslked for proof sessions timing out but they paid 3 months sent packet,4 months sent packet see credit report as proof.Also no matter what they send packet groundhog packet insurance scheme.i have everyadmission and you have the calls to get but ... timed out cant share file scans

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