Leahaline Posted April 18, 2022 Report Share Posted April 18, 2022 Synchrony is sueing me for a toys r us credit card account that they lost and then sold. The month after Toys R Us closed I tried making my store card payment with Synchrony. I could not log in to my account so I called them. They could not locate my account and rudely said I would have to contact Toys R Us. For two weeks I tried calling but no one was there. I called Synchrony again and was told that my account was transferred but they did not no where it went. They said to just wait for a letter from the new company. For an entire year my account was missing. Then Portfolio Recovery started calling claiming I haven't paid them. My balance went from $700 to $3000. I has a credit limit of $800 but now they claim it was $2500. They were hostile and unprofessional. They would not listen to me. Next I started getting letters from both companies. Sometimes they said my account was closed and sold and then a month later they would say the account was always with them. Frustrated with being out of work and losing my savings due to Covid, I took a step back. Synchrony is now sueing me. Portfolio says my account is with their litigation department. My credit report shows that Portfolio has an open account while Synchrony is listed as closed. Is it possible that they are working together? Can Portfolio sue me for the same account? In the summons there was a statement from May 2018. It had a balance of $2000 when I owed only $700. My credit report shows that I owed $784 up until late 2019 and then it jumps to $3000. I do not have any paperwork from back then nor the money for an attorney. I had to submit my answer denying the claim and don't know what to do. Any advise would be appreciated. Quote Link to comment Share on other sites More sharing options...
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