Consumer complaint received 2022-04-04
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in XX/XX/XXXX a payment was returned to synchrony bank from my bank hope credit union on XXXX the XXXX i corrected the problem i used my walmart debit card ending in XXXX to pay XXXX for the XXXX payment. my account with synchrony bank has always been set up as a ACH payment for years under XXXX XXXX XXXX  account ending in XXXX when i called in on XXXX it was to make a one time ACH payment using my walmart green dot visa card ending in XXXX that is what i stated to the customer service person that this will be a one time ACH FOR XXXX which means they would continue to take the monthly payment from account ending in XXXX i told the customer service person that the reason i was using my walmart debit card is because they money is not in the regular account at that time. well thats when as far as i can tell everything went to XXXX. the customer service lady put the card in as where synchony bank should be getting all of their monthly payments from i did not tell her to change my information i did not tell her to remove any information she did that on her on. i recieved a call from synchrony saying the have not been getting their payments i called my bank while the customer service person was on the phone i asked my bank why were they not giving synchrony there payments my bank said because they have not been requesting any money in checking the info the customer service person said account ending in XXXX i asked her why would she try to take money from that account when i already have reaccuring payments coming from account XXXX she said in XXXX i changed the infomation to account ending in XXXX i told no i did not .she said i had the old information removed and added the new and that is a lie when changing information she had to read me different documents and i have to agree to allow synchrony to get monthly payments and no one read or ask me that i was only read a disclosure to allow them to take one payment for XXXX from account ending in XXXX i have called synchrony over 15 time trying to correct this issue they have put a 30 day and a 60 day late on my credit report for something their customer service person did wrong they have charged me XXXX to bring my account out of delinquency. which is different then what my credit report say i was told after calling and making 3 different disputes with synchrony that they would pull the calls and get back with me and it might take 30 days i was sent a letter that stated they contacted the credit agencies for them to correct the information but it still not corrected i did a dispute with XXXX and they removed the 60 days late but left the 30 days late i am asking synchrony to honor the letter that shows the review in my favor thats dated XX/XX/XXXX i will be uploading u that letter also i recieved a letter from synchrony bank stating that i did 2 ACH PAYMENTS FOR XXXX and one of them was returned thats a lie once again their customer service person did something wrong and its being blamed on me by synchrony. i called synchrony bank on XX/XX/XXXX to make a payment to stop the delinquency that was wrongfully being put on my credit report i did not put the information into their computer their customer service person put the information and she had to have done it wrong once again because i recieved a letter stating that my ACH for XXXX was reversed i called them and ask them what were they talking about they said that they did get one of the XXXX but the second one was reversed and i got very mad and said what are u talking about two ACH for XXXX why would i pay u two my purpose was to stop the negative information that they were putting on my credit report. on XX/XX/XXXX i talked to a guy name XXXX i told him i was calling for the XXXX time trying to correct their wrong with charging me with all the fees and the negative that they put on my credit report XXXX said that they would pull all calls from XXXX until now i asked him was by law i am allowed to have a transcript of the calls in writting and he said no well i feel that no one is policing those calls and they can say anything they want since they were the ones listening to their own calls just like the letter i recieved showing in my favor but they still have the negative info on my credit report i was told by XXXX that synchrony can charge me any fees they want to charge me and that i would never be believed by anyone cause i have to have all these dates all these names if not i will not win aganist synhrony well i say if everything is recorded then why would i need all that which shows me that they mistreat and lies on their customers cause the recording will show who the liar is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation