Consumer complaint received 2022-07-19
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently relocated from XXXXXXXX XXXX to XXXX XXXX, XXXX XXXX After moving, I signed up for an app to enable me to use the digital parking meters in this area. The app was attached to my PayPal account, which itself has several credit cards attached to it. My primary PayPal card is XXXX XXXX, but for some reason when I signed up for this app, PayPal XXXX XXXX the parking app to my PayPal card, which was issued by Synchrony Bank. ( I never use that card. ) I tested the app in XXXX to see if it worked ; it did. 

On XX/XX/XXXX, I received a notice that my credit rating had dropped XXXX points. Alarmed, I checked to find out why. It seems that Synchrony reported me more than 30 days delinquent on paying off that parking charge, which was {$4.00}. With interest and fines, my amount due was now {$12.00}. I never received a bill, phone call, or official notification prior to them reporting this formerly dormant account as delinquent, even though they had my new mailing address. ( I finally did receive a bill on XX/XX/XXXX, four days AFTER I paid by phone and closed all three of my open Synchrony credit accounts. I can not believe that a {$4.00} error can cause a credit score to plunge nearly 100 points, from the 820 range to my present day XXXX. And I struggle to appreciate how Synchrony justifies dunning me without first trying to contact me more directly. 

Prior to this run in, I had an earlier run in with them regarding my Amazon XXXX credit card, which they had been managing. I paid that bill in full every month without fail, using my banks electronic bill pay wire service. In XXXX of XXXX I made my full payment the same way I did every month. They initially credited my account, but for some unfathomable reason, they reversed the credit the very next day. Then they began sending me threatening texts claiming my payment was overdue. I called and explained that I had paid and didnt know why they had reversed the charges ; they acted as if I was lying and demanded that I send them proof. 

I sent them my bank statement showing that the exact amount had been deducted from my account, through the auto bill pay system, and I included the data about the transfer that I had. They denied it was adequate evidence and refused to credit me for the over {$600.00}. Id already paid. I next had to go into the bank and have them research the transaction, provide me with a printout of their wire transfer statement, and then again mail them the physical proof that they had indeed made an error. Finally in XXXX of XXXX they worked it all out and properly credited my account, though I received no apology for the original error. After this latest {$4.00} fiasco ( I literally charge thousands on my XXXX every month with zero issues over 40+ years of relationship ) I opted to close all my Synchrony accounts and to never do business with them again. None of which resolves my current credit rating dunning over a paltry {$4.00} parking meter usage. It just frosts me that something so trivial is able to have such a major financial impact on my life.

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