Consumer complaint received 2021-10-09
Company: SYNCHRONY FINANCIAL
State: TX
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 the middle of XXXX I received notice of a charge off appearing on each of the three major credit bureaus by Synchrony Bank Care Credit. 
In contacting them the error was acknowledged and I received a letter of apology and that they asked me to give them 60 days to correct with the credit bureaus. 
In a phone call with them I shared that the account they reported was my ex wires and she had filed bankruptcy but I was only an authorized user amd had never signed up for the account and the party I talked to stated well now since she filed bankruptcy you are responsible and gave me a balance owed. He also said he would have my concern escalated and I got the letter a few days later and my credit was fixed. 
However on XX/XX/XXXX I got another notice from all three bureaus that the Synchrony Bank Care Credit account was again appearing as a charge off and I reached out to Synchrony Bank and again shared it was an error and it would take 60 days to fix but that I needed to pay them to completely resolve even though my ex wifes account claiming I had responsibility due to her bankruptcy and each time a I have talked with them it was referenced I was an authorized user but now the debt is on me. 
I knew the only way this was going to be resolved is if I took care of it as they were showing a lack of concern and my credit is important to me. I have several accounts with them. Each time I called they said fixing the issue and now almost three months in and not fixed yet and now some of my creditors have cut off accounts because of this showing as a charge off. 
I have as of the first week of XXXX paid Synchrony Bank the {$1900.00} they stated was owed and matter of fact the little bit I can see about the account says they owe me money back. 
I attempted again on XX/XX/XXXX to make a call and try to resolve as still no change to my credit bureaus. The party I talked to was rude and she shared Oh youre just an authorized user so we can not talk to you. y have all along and made me these promises to she said well I can not seem to find you so I guess you will have to figure it out. 
So today XX/XX/XXXX I sit with almost {$2000.00} I did not owe being paid to Synchrony Bank Care Credit that I did not owe but trying to do the right thing and paid it so my credit would get fixed and I am still the one suffering the damage with them now unwilling to assist. 
I have multiple accounts showing with exceptional credit and one account that has more than been resolved is impacting my life. 
I am a XXXX year old responsible party that takes care of my debts and if this was resolved have excellent credit being reported. 
I am the innocent party being taken advantage of. I am very aware of the fact there are raid credit reporting and fair debt collection regulations in place and this credit has definitely crossed both lines. 
My hope is that CFPB can assist in resolving this. I am not looking to get the {$2000.00} back even though rightfully I should, I am asking that the right thing be done and fix my credit.

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