Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Delinquent account Florida

I received a letter from Synchrony Bank telling me that they reviewed my account and due to - returned payments, they were closing my account to further purchases. On - -, -, I scheduled a payment not realizing that it was scheduled to be debited from a checking account that is closed. When it returned, I called Customer Service to find out and they told me. I asked them if there was a way to remove the checking account from my profile and the representative told me no there was n't. So, that checking account will remain under my profile until I pay the card off. On - -, -, I scheduled a payment to be debited on - -, -. I got my direct deposit on - -, - and made - payments to other creditors and I had planned to make a deposit into the account by the - on the -. I was n't worried about the Walmart payment because it should n't process until after midnight on the - and the funds would be deducted a business day or - later. Well, that is not what happened. I checked my back account later that day to


not sure if the Synchrony would attempt to debit the account twice for the Walmart payment. So, I used my bank 's bill pay service and sent a replacement payment by - -. I never got another message from Synchrony or Walmart about my payment being returned for the second time, so I figured everything was good. Now, almost a month later, I received the closed account letter and I called Synchrony. She told me that due to the - NSF 's the system automatically closed the account. She said that the - - return was due to a closed account and that in - -, I had a payment return on - - and - - due to NSF 's. I told her I did n't know anything about the - on the - and I sent a replacement payment of $54.00. She put me on hold and came back a couple minutes later advising that she tried everything, but she could not reopen my account. I have been with them since - and I am highly upset by this. I feel that the early processing of the - - payment should not have occurred. I was involved in a car accident on - - and as soon as I was able to, I went online and scheduled the payment to send through my bank trying to make the returned payment from - - right. I do n't handle my accounts in this fashion. This is not typical of me. I would like this issue to be reviewed by upper management.