Consumer complaint received 2017-07-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem NOTE : I WANT ALL CORRESPONDENCE TO COME TO ME VIA MY EMAIL ACCOUNT PROVIDED AND NOT PAPER COPIES THROUGH THE MAIL. <P/>This is a current issue Synchrony appears to not understand how to correct. We have been working on this for months with no result. I need this corrected ASAP!!!!! <P/>I spoke to " XXXX '' on the phone and was under the impression everything on my report was adjusted to what it was before this miserable bank came into my life through a TJ Maxx and SteinMart credit card. Both of these cards are managed by the same bank. I believe one of the issues is an incorrect address on my SteinMart account which I eventually found out about and correct via a phone call to them in XXXX. How could one part of Synchrony ( TJ Maxx ) have my correct address and the other part of Synchrony ( SteinMart ) have an old adderess? Am I supposed to be able to go into their system ( since they seem to be unable to ) and compare this information and fix it? I ca n't see what is in their system. My addresses now match ( from what I am told ) but those bad marks ( once again due to their poor record keeping ) need to be taken off of my credit report. This is not my fault. I only want this case closed when I had no bad marks on my credit history in reference to Synchrony Bank. I also want them to adjust the reporting to the credit bureau to adjust the points reported for my closing my accounts with them because I was so sick of dealing with them and their incompetent employees. I would not have closed those accounts otherwise. This is the only information I want to see from them : TJ Maxx Account Numbers involved What caused the issue What did the phone calls that I made to the company reflect For each particular date/month with an issue I want to know what is the specific problem and what has been done about it. What still needs to be corrected that is showing red. What needs to be done to correct it SteinMart Account Numbers involved What caused the issue What did the phone calls that I made to the company reflect For each particular date/month with an issue I want to know what is the specific problem and what has been done about it. What still needs to be corrected that is showing red. What needs to be done to correct it I need this corrected so there shows no issues with Synchrony bank anywhere on my credit report. I will keep submitting complaints until each item is addressed and corrected because this was all due to the incompetency of Synchrony Bank. <P/>Please feel free to do a XXXX search on Synchrony Bank reviews. They are horrible. People complaining about the same thing I am. They have more bad complaints than good. <P/>Once again, I will continue to open complaints until there are no credit issues showing on my credit report associated with Synchrony and they have reported this to the credit bureau so my excellent credit standing can be restored. <P/>Please take " XXXX '' off of my account and escalate the case to someone more competent. <P/>Thank you!

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 non-monetary relief