Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Closing/Cancelling account North Carolina

In -, secured a line a credit via Care credit ( Synchrony Bank ) as advised by my dentist to assist with additional coverage amount needed that would not be covered by my dental plan. The amount approved was - at full-time employment. When, my payments schedule was calculated and adjusted I could n't make the required minimum payments and reached out to synchrony bank many times to adjust my payment as I lost my full-time job to part time status. I ask to reduce my payment and was denied on multiple times. I sent what I could, but it was never the required amount of -. Each month, I was always late and I constantly called only to get a foreign accented person that would put me on hold to see if I qualify for a special program, then told " no. '' So, every month I paid what I could afford to send and every month I received calls saying I was late. Noone would help me reduce my payment, they said my account was too new and that I did n't qualify for there special program. I asked what program was that, but got another foreign person


no one from synchrony bank would help me lower my payment and expected me to pay - on a limited income. I called in - - and spoke with someone in their collection department that spoke - named " -. '' She gave me a settlement offer and told me that the account was going to charge off in 169 days. At that time, I could n't pay the settlement but told her the account had already been charged off and posted to my credit file in - - ... it posted to all - credit bureaus which lowered my credit score and negated my opportunity to try to get any funds to pay or accept the settlement offer. However, knowing that I have 169 days before it leaves the office, I 'll call back for another offer. 2 weeks later, I got a certified letter from an attorneys ' office in -, NC regarding this account. I was soooo frustrated and puzzled, I called the office and never spoke to the atty, but vmail. Only vmail back and forward, basically stating that I was surprised that this account was with them and left reasons. I felt I was violated without rights to settle and never heard back from this atty. I called back to synchrony bank and spoke with someone again..- and express my strong concerns and violations of rights to settle. The account was pulled back from the atty. Noone still has yet to contact me until -/-/-. I just got a letter stating that this account has been sold to - - - - and if I have any questions, I should contact them. This has been a true nightmare. I 'm not trying to get out of paying, but I just needed to adjust my payment amount until my income increased. ..all phone calls were recorded. Help ... this is not right at all.