Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX and XXXX XXXX, I was told by Synchrony Bank Collection Agency that once I settled and paid all my negative accounts they will removed all of the negative accounts from credit report. XXXX - XXXX I made settlements payments XXXX Settlement Payment of {$1700.00} for my Synchrony Ashley Furniture Account . 
XX/XX/XXXX - Settlement Payment of {$1000.00} for my Synchrony Home Furniture Account XX/XX/XXXX - Settlement Payment of {$690.00} for my Synchrony Care Credit Account XX/XX/XXXX Settlement Payment of {$850.00} for Synchrony PC Richard 's Account I've made four settlement payment to Synchrony. However, once they recieved my payments they did not remove all these negative accounts from my credit report. I called Synchrony numerous times and wrote numerous letters of explanations, good faith letters begging and pleading to them to please honor what they said they would do and to please remove this negative account from my credit report because Im currently facing financial hardship due to the XXXX Pandemic. I am XXXXXXXX XXXX  Im very sick and I need to downsize and move into an affordable new apartment ASAP, but these negative accounts charge off are affecting my credit report negatively and is preventing me from getting an apartment approval. I've spoken to different supervisors at Synchrony dispute department and collection agency regarding this issue and still I'm not getting any help. Prior to making my settlement payment I spoke to Synchrony Bank collection Dept. called XXXX  managers numerous times regarding my accounts and request for deletions and I was told these accounts will be removed from credit report. I ' m very hurt that Synchrony dispute dept. refused to help me. It's like once they receive my settlement payments they did not care about my current financial hardship. I feel it's not fair that I have to suffer like this and for 5 long years I struggled to pay these account off due to my financial hardships when finally settled this account with them they did remove these items from credit report. I reached out to Synchrony dispute department by phone and certified mail begging and pleading for them to help me. I even reach out to all three credit beau 's and did numerous disputes against Synchrony Bank but they could only do so much to help me. Even though I filed numerous disputes against Synchrony denied each dispute. What am I suppose to do now I can not get any apartment approval or credit credit approval or a home loan approval because of this negative account showing on my credit report. This issue is preventing me from moving forward in my life. I've been a Synchrony Customer since XXXX my account was in good standing until I lost my job back in XXXX and I could not pay my monthly credit card accounts. Now I feel like an unvalued customer. 

I'm facing financial hardship due to XXXX I'm desperately need these negative accounts removed from my credit report. I need help.

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