Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is my debt was settled with Synchrony Bank after they had offered me a settlement amount {$1000.00} ( 3 Installments = 2 x {$360.00} and 1 x {$370.00} ). Per my conversations with numerous representatives from Synchrony Bank, please see attached notations made by me with dates, times and conversations. 
I am filing this complaint because I believed Synchrony Bank subsequently were Unfair, Deceptive and used abusive practices when they reported negative information about my account repayment to the Credit Reporting Agencies providing inaccurate information which is detrimental to my credit and is unfairly hurting my financial ability to raise my family after they made an agreement with me for a settlement amount, in which I paid them that said amount. 
Filing this complaint was my last course of action because I have reach out disputing through the Synchrony Bank and the Credit Bureaus and nothing has been resolved. I have spoken to numerous representatives for Synchrony Bank, including but not limited to the following : XXXX ( ID # XXXX ) located in the Ohio Office on XX/XX/2019 at XXXX XXXX. In addition, also on the said date, I was transferred to XXXX in the Collection Department at ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/2019, I spoke to XXXX in the XXXX, he stated he could not provide his ID Number or extension to me, however, she stated he went ahead and filed a report on my behalf. After speaking with XXXX, he transferred me to the system to make the 1st Installment of the Settlement Payment. The system somehow was unable to take my credit card payment. 
On XX/XX/2019 at XXXX I spoke to XXXX in XXXX who took my payment and provided me a Confirmation Number : XXXX. On XX/XX/2019, I wanted to speak to a US Representative to confirm the conversation I had with XXXX on XX/XX/2019 in regard to removing the Charged Off from my credit file. After I was on hold for a few minutes, I spoke to XXXX XXXX ID # XXXX XXXX in XXXX at XXXX. She stated the US office closed at XXXX she then confirmed that the account was Charged Off and closed on XX/XX/2019 the same day, they told me to make the fist payment which was due on XX/XX/2019. I was upset but nonetheless, I requested a supervisor to give me a call back. 
On XX/XX/2019 I XXXX I spoke a Resolution Specialist, Tallyn at Extension XXXX I explained the situation and she instructed me to go ahead and make the final payment of ( {$370.00} ) which I comply and she stated, shell go ahead and take care of the issue and to extend her some time to research the issue and get back with me. 
The actions that took place was that I tried numerous times to reach her but to no avail. However, I later received the attached letter in the mail dated XX/XX/2019 stating the account is closed and that synchrony had that right. Subsequently, nothing has happened to rectify the situation to show Paid in Full for a lesser Amount and Not the Derogatory Status as currently being reported by the Credit Bureaus as Charged Off.

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