Consumer complaint received 2021-01-21
Company: SYNCHRONY FINANCIAL
State: PA
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: Investigation took more than 30 days

Complaint:
The letter I wrote them and sent on XX/XX/XXXX, advising them they have gone well past the allotted date allowed to respond. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Birth date XX/XX/XXXX Last 4 of SSN : XXXX Synchrony Bank dispute dept XXXX XXXX XXXX, Fl XXXX RE : Synchrony Acct # XXXX Merchant Acct # XXXX To whom it may concern : This letter is regarding an accounting dispute and investigation, which I claimed and was processed on XX/XX/XXXX, by a representative of your company by the name of XXXX, employee # XXXX. At that time, I spoke to the representative and explained that the reason for non payment was due to the XXXX XXXX XXXX XXXX XXXX, installing the wrong, most expensive equipment available ; a 3 ton condenser unit and over charging me in the process. When attempts were made, on at least 8 occasions, to contact the contractor to correct the problem, I left messages, but received no phone calls in return, I was left with no choice but to get a second, third, and fourth opinion, to where all of the HVAC COs claimed the A/C unit installed was grossly oversized a unit ( 3 ton condenser ), for my house. And, the multiple opinions I received had told me I was ripped off and told me they could have installed one for XXXX. Also, XXXX said the bigger unit would solve the problem of my upstairs being hot in the summer, while the down stairs was freezing. This DID NOT fix the problem at all. Lastly, I also asked why The charge off amount was XXXX but my report shows XXXX. A XXXX difference unaccounted for. But he could not explain. 

This info was provided to your bank for dispute investigation review on XX/XX/XXXX. You had 30 days to respond, per FCRA Regulations and as of XX/XX/XXXX, I have not heard a word as to the results of my dispute. With that said, I demand immediate removal of this charge-off from my credit report along with the removal of the judgement at once. This is a formal notice that my claim is being escalated to a litigious level, barring any foreseeable changes in your companys reporting. 

Also, on XX/XX/XXXX, I spoke with a XXXX ( who refused to give me his employee ID for security purposes and he fought with me stating the account was recalled on XX/XX/XXXX and that I must have my dates wrong. I told him I called on the XXXX, spoke to XXXX and you had 30 days from then, not XX/XX/XXXX like he insisted. He even said I must have called on the XXXX of XXXX and I told him that say I had, today is XX/XX/XXXX and today represents the XXXX day in his assumption. I also advised him that I keep meticulous records and that the FCRA allows 30 days from the date informed of dispute, not the day you decided to recall the account from your attorneys, which he says was XX/XX/XXXX. He then proceeded to hang up on me! Is this the level of professionalism I can expect from your company? Hanging up on a customer trying to solve a problem?? 

So, please be aware, that my simple request to investigate the debt was submitted on XX/XX/XXXX. You had 30 days to respond and get to the bottom of the investigation. You have failed to complete this task in the time required by law, therefore, justifying the simple removal of the negative charge off, on all three bureaus, and remove it immediately! Because any negative mark found on my credit report on any of the bureaus, by you or any company that you represent, for a debt I dont owe due to fraud, is a clear violation of the FCRA & FDCPA ; and demands the removal of the charge off be completed within 10 business days of the receipt of this certified letter, and the removal of the Judgement with immediate effect, as well! 

Failure to respond to my second attempt to resolve this issue, within 30 days of receipt of this certified letter, may result in small claims legal action against your company at my local venue. Where I would be seeking a minimum of XXXX in damages per violation for each day it remains on my report for the following : Defamation Negligent Enablement of Identity Fraud Violation of the FDCPA ( including, but not limited toSection 807-8 ) Violation of the FCRA ( including but not limited to Section 623-b ) Violation of FCRA ( Section 695-c ) Please note this was an attempt to correct your records, and any information received from you will be collected as evidence should any further action be deemed necessary. 

My contact info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four of SSN : XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including any documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : FCRA Regards, XXXX XXXX

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