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I got an email today from Amazon.com about my Amazon credit card and noticed the account balance was not right. I clicked the link, and ended up logging into the Synchrony Bank website then run for the Amazon Store Card.

A red box popped up indicating I was in arrears. Digging through it, I saw that an Amazon digital charge for $9.99 went through in November 2017, I didn't pay it, so I got a minimum interest charge for $1.50 in January, a second minimum interest charge in February and a late fee bringing the balance up to $22.98. I couldn't remember ever opening this card and looked back in the history. Apparently I last used it in March 2016 and paid it in full at that time.

Since then I've used the Amazon Visa Signature Card- which is handled by Chase. When I looked back at the old 2016 transactions, they were on the records for both the Synchrony Card and the Chase card. So somehow in November a single purchase of a digital Amazon product ended up on a card I closed out? And it's a transaction that doesn't show up anywhere else in my records, or in my Amazon account?

And then when I didn't notice this they dinged me for it? Of course, the website, email and online statement only give me the last four digits of the card, so calling in to solve this is tricky since I cannot provide the full account number. So, I paid the card in full and closed the account producing a lot of red boxes. After it's cleared I will try and clear this up so it doesn't hit the credit bureau.

What a mess! It really smells like Wells Fargo awhile back when accounts were miraculously appearing out of nowhere to fluff up sales figures.

Reason of review: old card suddenly active.

Monetary Loss: $22.

Preferred solution: Let the company propose a solution.

Synchrony Bank Cons: Mistaken financial transaction.

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