Debt collection -- False statements or representation -- Complaint #6247095
Complaint Overview
Complaint ID: 6247095
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Wisconsin
ZIP Code: 530XX
Date Received: 2022-11-26T12:00:00-05:00
Date Sent to Company: 2022-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In may I purchased a XXXX XXXX XXXX for XXXX plus XXXX for delivery. Per the sales staff this XXXX would include if I returned the bed. Tax was XXXX. I returned the bed for health reasons, I was having an XXXX XXXX to something in the bed. At the time of return I was not informed there would be another XXXX charge to pick up the bed. I paid for the delivery fees on the card of XXXX. 2 months after this Synchrony was still sending me late fee notices. I figured something was wrong and checked my card. XXXX XXXX only credited me XXXX. I called XXXX XXXX and they said was a XXXX return fee which was in my terms and conditions for the sale of the bed. I did not receive a receipts or any terms and conditions. I called the store, I called XXXX XXXX and they told me I owed for the deliver fee. I believe it was XXXX still remaining on my card after the credit of XXXX and the XXXX I paid. I was finally emailed a copy of my receipt in XXXX but there was no amount listed for a return. I then called synchrony and filed a dispute. I keep getting late notices. When i called last week apparently synchrony closed the dispute because of the first credit of XXXX ( however the debt collection person said credit on XXXX. ) They wanted to start the disputer process all over as they continue to charge late fees. I didn't think the cs person had the right file but every time I call I am sent to their collection department. I don't believe I owe any more money to XXXX XXXX as not fees were sent to me. I believe Synchrony should have contacted me on the dispute before closing my dispute. I need help getting this issue straightened out.
Frequently Asked Questions
What is Complaint #6247095 about?
Complaint #6247095 was filed against Synchrony Financial regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-11-26T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.