Consumer complaint received 2018-08-24
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The problem started on or around XX/XX/2018. I have overseas family and decided to accept a credit solicitation by XXXX which is backed by XXXX XXXX. I specifically said I wanted a card to use for my overseas account. Synchrony approved my request. They stated if I had a problem receiving my card to let them know immediately. I never received the card! I gave them a call. " No problem '' was their response. I waited until ten days. I called again and received the same response. Same thing several times. Finally on or around XX/XX/XXXX I received a credit card. I regularly check my credit. All of a sudden I had a 23 point drop on my report! I have consistently paid on or before due time. My credit rating is " good '' and I expected a few drops in points due to new card but 23 points? I checked my report. Without informing me they would report that I had opened a new account every time I called to inform them I had not received my card. I have spent countless hours to get this corrected. Another problem, card I received would not activate! They are " working '' on the problem they say. I have encountered several false statements. ( documented )! XX/XX/XXXX,, " fix problem '' dropped 3 more  points because 5th account added to my report without authorization. shows I opened 5 XXXX credit cards in a month! went from a XXXX to a XXXX on my credit report. They need to fix this! I wrote the credit bureaus pointing out this error. Nothing has been done. I have spent over 24 hours dealing with Synchrony and XXXX. I want the credit card I spoke for which meets my overseas need without further harm to my credit report, I want my credit report fixed and I expect companies I associate with to be ethical in their dealings with me. I am a good customer to XXXX XXXX and an excellent patron to XXXX. I need for them to appreciate me and to see that my credit report accurately reflects my business dealings. Remove all but one of the credit cards listed on my credit report, restore my XXXX card and exchange if for one that meets my needs without further compromising my credit report and return the points dropped because of Synchrony 's false report. The credit bureau 's need to repair their reporting to reflect that those five accounts are removed! I wrote this concern to them and have heard nothing. Anyone with a reasonable mind would know that I personally did not open five XXXX cards in one month. This needs to be a priority for Synchrony, XXXX and credit bureaus. I personally wrote XXXX and XXXX. I am still waiting for a response. I also feel that offering the consumer a viable phone number for emergency credit situation should be made available by these bureaus who hold your life 's work in their hands. They should have to provide answers for placing items on your credit file without your knowledge. XXXX XXXX XXXX reporting personnel need better training! Any reasonable person knows a person does not open the same account five times in a month! Someone sat there and pushed the " add '' button instead of the " subtract '', obviously. I want to say I am beyond appalled! These comments are my experience as I interpreted it, spent hours on the phone and writing letters, told constantly the problem would be solved and this perception is my interpretation and to the best of my knowledge truthful. The personal experiences I described are heavily documented. This letter is a recourse I considered after exhausting all other options! My credit report and its accuracy is extremely important to me and when a company places something detrimental they should be required to report it to me immediately!

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