so, I think it was around the holidays, I took advantage of the 'open an account and get a discount'; so I did for some pj's . 5-6 months later I receive a past due notice from Synchrony bank for a high amount: turns out SteinMart had the wrong address so I never received a bill and the small purchase totally slipped my mind. The large amount I contested, today I receive a notice from Syncrony bank that my dispute is not agreed to because I gave my card to a 3rd party (!?). I call explaining that accusation is offensive as I do not give credit cards to another person and in fact had destroyed the card. SO! what is the amount; okay, how do I pay. they tell me that today it was turned over to a collection agency because I did not pay this lesser amoutn and again I remind them, I need a bill. NOW I have to deal with a collection agency. Synchrony Bank who holds Steinmart accounts could have sent me a corrected bill. Never again will I go to Steinmart. Now I have to deal with a collection agency on what has been my stellar credit record.