Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

California

1. ) I purchased a guitar on - -, 2015, from Guitar Center. I accepted the company 's offer of 0.0 % interest offered by - - if the credit is paid off within 24 months and all payments are made on time. 2. ) I did my due diligence, went online, and set up automatic withdrawals from my checking account for $60.00 per month ( this is higher than the minimum amount required ) payable to hrsaccount '', held by - -. 3. ) I received a monthly email reminding me that my payment would be due on the - of the following month. Payments were deducted and all was well. 4. ) On - -, 2015, I received my latest email reminder reminding me that my account


the mail from Synchrony Bank with a Guitar Center logo on the front. I have never heard of this bank and did not request the card. 6. ) On - -, 2015, immediately after opening my mail with the new credit card in it, I went online to - ( my link to the Guitar Center credit card ), looked up my account, and was informed it could not be found. I was redirected to - - Financial Corporation '' and read that as of - - - no year listed - my - - balance had been transferred to Synchrony Bank and I had to contact Synchrony to set up my next payment. 7. ) Now, - -, 2015, is four days past my original due date for payment. Note again, that I received an email - -, 2015 that listed my OLD credit card number reminding me to pay ( see item # 4, above ). 8. ) Negative anticipation : I believe that Synchrony Bank will now deem my account delinquent, because the automatic payment has been cancelled by -/Synchrony Bank without my knowledge, consent, or notification, either written or electronic. Again, this is an interest-free account as long as all payments are received on time. 9. ) I am attempting to contact Synchrony Bank again tomorrow ( unable to get a reply today ). 10. ) I am writing to you IMMEDIATELY to make sure that Synchrony Bank does not take advantage of me because of THEIR lapse in notifying me of the above listed changes. I am not sure if this is some sort of intentional bait and switch '' tactic but it certainly seems possible, given the profit to them and the repercussions to me. 11. ) I have a documented - and Synchrony Bank 's uncorrected error would be a REAL hardship for me financially ; what is NOT a hardship is the fact that, since I 've lost my working hours due to failing health, I have as much time as it takes to make sure I am not taken advantage of by Synchrony Bank. I am positive justice will be served here because anything else is unacceptable to me and would be to anyone in my position.