Synchrony Financial Debt Collection Complaint

Synchrony Financial Debt collection department,

Credit card Communication tactics Threatened to take legal action New Jersey

I incurred debt on a WalMart Mast Card. I have financial difficulties and - - - , - set up 6 months of payments at $150.00 per moth for 48 months. They made me do this via automatic withdrawal from my bank account. I have to re-set this up every 6 months with new check numbers. Last month they took the $150.00 with chk # -. Then 3 days later they took another $150.00 without my permission from WalMart ACH online. I repeat, I did not do anything online. I called my bank and filled out a form and I got my $150.00 back. Now for this months payment on -/-/- they took out $150.00 again and it says WalMart MC ACH. There was no Chk # -. So yesterday, I called the number given to me and after speaking with - people I was told that my amount due was paid in full for this month and it should be fine. So, today I went online to my bank and saw that I was charged $30.00 for NSF because they tried to take out another $150.00. After a long conversation with my bank. I decided to go ahead and pay ( the bank ) $20.00 to stop them from trying to take Chk # - again and another $20.00 to stop future WalMart MC ACH withdrawals. I then called The WalMart MC Customer service number on the letter I get each month. and all the girl kept saying was that I was not enrolled in their automatic withdrawal. I then was transferred to another guy and I explained this all over again and he eventually put me on hold for a while. While on hold, the phone was picked up at two different times and they ended up hanging up on me! I am very frustrated. Each and every time I call they say that it is recorded for debt collection purposes. Is there some way I can be helped. I do not want to pay extra money that I do not have.