Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Closing/Cancelling account Maryland

I made a $600.00 payment earlier in the month of -/-/- so when it came time for my payment to be due of $35.00 on the -/-/- the system said there was no minimum payment due and yet there was an automatic payment scheduled. I accessed the account and cancelled the automatic payment since there was nothing due. Then I started receiving notices from Synchrony bank on my - store card that the automatic payment and the manual payment that I made was returned for insufficient funds and that they closed my account to future purchases due to the - returned payments. I also was charged a late fee for not making the minimum payment due even though I had already made a payment earlier in the month and the system told me that there was no payment due. I called synchrony to get the issue resolved and tried to explain that I cancelled the automatic payment and did not schedule a manual payment in addition to the automatic payment because there was no minimum payment due. They just keep repeating to me that I did not cancel the automatic payment but in fact scheduled a manual payment. I kept


late fee but refuse to re-open my account because their system has never screwed up or had technical issues before. The only way they will re-open my account is if I get a letter from the bank stating that the bank returned the payments in error which they did not because I cancelled the automatic payment and did not schedule a manual payment so I expected no payments to come out of the account. I did not expect double the payment to come out so I did not put the money in the bank to cover - payments of $100.00 each to come out of the account on the same day. The only other way to re-open my account is if their - department says there was a problem. However the IT department does not seem to understand the issue because they keep sending me letters telling me when I made the $600.00 payment and that my payments were applied to my account on -/-/2016 but then returned by the bank not addressing the problem that I did not schedule a manual payment in addition to the automatic payment but in fact cancelled the automatic payment for no payments to come out of my bank account on -/-/2016. They will admit that if the payments would have never came out my bank account my - store card account would still be open but they refuse to admit that there is a technical problem. They told me that my account was accessed by a computer which I told them was impossible since my computer was sent away for repairs and I accessed the account from my phone. They basically called me a liar and then finally admitted that if I hit the link on the website for full site that it would have registered as a computer even though it was my phone. There are several technical issues involved here but yet I can never get anyone to get this issue resolved because they told me that their system has never done this before and has never had any technical problems.