Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Louisiana

On -/-/2015, I filed a complaint against Sam 's Club Credit card because they did not close my account when I contacted them on -/-/2015 to request that the account be CLOSED AND NO MORE CHARGES be allowed ( CFPB case number - ). I received a letter dated -/-/2015 from Synchrony Bank in response to my complaint about my Sam 's Club Credit Card. In the response, the company acknowledged that on -/-/2015, I advised them that - - was no longer authorized to charge on my account. The letter further acknowledged that Sam 's Club SHOULD HAVE processed a lost/stolen card request at that time. The letter further stated that, regardless, no additional charges would be incurred because the account was at the $6900.00 credit limit. Additionally, the letter indicated that Sam 's Club Business Credit account holders receive the courtesy of charging 5 % over the credit limit. The letter indicated that I was to receive a credit in the amount of $1000.00.


the account closed! THE CARD SHOULD HAVE ( ACCORDING TO THE ORIGINAL -/-/2015 RESPONSE ) been de-activated ( reported lost/stolen )! Further, there is no FRAUD - I called to close the account on -/-/2015 - the company acknowledged this in their -/-/2015 response. And, with regard to the 5 % overage " courtesy '' - do the math : 5 % of $6900.00 is $340.00. They allowed an additional $1000.00 in charges - a difference of $690.00. I respectfully request that Sam 's Club ( Synchrony Bank ) honor the original resolution of a credit in the amount of $1000.00. I am - years old. I will pay the debt up to the $6900.00 credit limit ; however, I do not believe that I should pay a dime over that because the credit card company did not follow their own ADMITTED internal procedures. I expect a letter fully granting the original $1000.00 credit to the account once and for all - once received, I will pay this credit card in full. There is no fraud - the bank failed to follow their own procedures and failed to close the account when I called to have it closed.