Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Closing/Cancelling account California

I opened an account on -/-/- with Synchrony Bank for a Care Credit Card to get some dental work done. I continued to make payments. In - of -, I noticed that monthly minimum was beginning to go up. I am self employed and I had a poor year for income during - and I needed to find ways to cut my expenses. I contacted Synchrony Bank on -/-/- to close the account and see if I could make payments on the balance for a period of time. I reached Customer Service in -. I spent about 3 hours talking to various people including several managers. I finally got frustrated and made a payment of $50.00. I called again on -/-/- and got - again. I requested to be connected to a rep in the US. It took several attempts and finally a manager transferred me. I explained what I needed to do and was transferred to the collection department. The rep there explained that there is a program to resolve my request. We began the process and concluded that the account was to be closed and that I would now pay $ - month for a period of 4


a certain date. The payments were made. At this time there was no mention of the effects this will have on my credit profile. I then began getting phone calls from the the collection dept. in - or - about a missed or delinquent payment. I said the account was closed I had made arrangements with the Bank to make payments.I then called again the collection dept. on -/-/- and found that the rep. had not processed my request. They had processed my husband. We had to go through the whole process again. I was still getting missed payment calls. The people in - or - were not informed with the proper information from the US about our transactions. I decided to check my credit profile and found that this bank reported - incidents of missed payments or delinquent accounts. - for 30 days and - for -59 days. Also, my - had gone from - to -. The bank also indicated that they had closed the account and not showing that this was at my request. I have a - business and wanted to get a small loan of $ - to do some first of the year advertising to stimulate more business. After being rejected, that is when I decided to check my credit report. I, again, called the Bank and talked to another Rep. and again, I am talking to a rep. in - or -. I aksed to be transferred. Again, it took getting a supervisor to transfer me. I requested a manager and relayed the situation all over. I was told that any fees that accumulated would be reversed and the rep would file a complaint to get the credit unions to reverse the information to clear the report from the bank. I have recently called for a follow up and was told that it will take about 30 days to get the process with my credit started and I assume that it will take a while for the credit unions to change my account. Now I will miss my window of opportunity for the first of the year resolutions that many us make to deal with our - and - conditions. In all I have spent about 8 hours on the phone with the bank about this matter. The bank has indicated that will be concluded as a bank error. I have suffered grave consequences as a result of this " bank error ''. I guess the bank does not have any consequences from creating my consequences. I would like to have the bank pay me $20000.00 as a result of their " Bank Error ''! I have with other accounts been connected to an overseas company and have experienced the same problem to deal with my requests. On several occasions my request to be connected to a US rep. is not an option.