Consumer complaint received 2017-11-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since it only let me select one option when I was asked the type of p

roblem I having. Besides reporting problems with fees and interests, they are also problems with the following :
Problem with credit report or credit score, Closing your account, Problem when making payments. 

I have been MARKED by XXXX XXXX`s system as XXXX since XXXX XXXX. 
All of my XXXX XXXX accounts have been affected by this creditor`s error. 
Since then, my online access to these accounts have been closed and denied. I made several attempts to fix this problem by contacting the customer service representatives to make my payments. Every time I called customer service, they verified my account information and told me to wait 24 hours to access my account to make a payment. After 24 hours of still being unsuccessful to login, they increased the time frame to 48 hours to login. They were unable to take my payment over the phone. For this reason late fees and accrued interest charges were added to my accounts. 
I want to let you know how this has caused me financial hardship and XXXX XXXX is completely responsible for my current financial situation and they should correct their mistake immediately on my credit report and in their system : The creditor changed the status as XXXX in all of my accounts without verifying the identity of the person or requesting proofs of a XXXX person. There must be a lot of people with my name and last name in their system, but I can tell you that I am alive and I have been dealing with this problem alive. 
My credit scores dropped drastically due to late payments, charge off statuses, over limit balances, and closed accounts by credit grantor ( XXXX XXXX ) My insurance premium increased due to the decrease on my credit scores. 
I have been unable to pay for my renters insurance since the premium is higher in my car`s insurance. 
It has been hard to find a job with my credit. Once employers pull my credit, they ask for an explanation for something I did not do. 
I have been treated by XXXX XXXX as a criminal. The representatives have stated that I did not pay my responsibilities and this is the reason for the status of my accounts. I have called XXXX XXXX during a time frame of 10 months and I have had to repeat my situation over again with no resolution. 
The following accounts have been affected : *Synchrony/ XXXX XXXX is currently reporting as 30 days late on XX/XX/XXXX and 60 day late on XX/XX/XXXX. All other months in XX/XX/XXXX have been updated by the creditor XX/XX/XXXX and XX/XX/XXXX. I have now access to my online account since XX/XX/XXXX. 
* Synchrony/ XXXX XXXX XXXX is currently reporting 30 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other months in XX/XX/XXXX have been updated by the creditor except the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Also, in this account there are late fees and interest charges that I should not have to pay. I have received credit for some late fees and interest charges but not for all. I have now access to my online account since XX/XX/XXXX. Credit Card has been activated but I for some reason it does not work when I try to use it. I called the customer service department and they said that my account was in collection. 
*Synchrony/ JC PENNEYS XXXX XXXX is currently reporting as charge off. Also, in this account there are late fees and interest charges that I should not have to pay. 
*Synchrony/ XXXX XXXX XXXX is currently reporting as charge off. When I spoke with them they said that it will take 24 hours to update the account but up to date the account remains with the same status. They also stated that they will not opened my account and that I have to reapply for credit. Also, in this account there are late fees and interest charges that I should not have to pay. Account access is closed. 
*Synchrony/ XXXX XXXX is currently reporting 30 days late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other months in XX/XX/XXXX have been updated by the creditor except the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  Also, in this account there are late fees and interest charges that I should not have to pay.

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