Consumer complaint received 2018-10-11
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint XXXX about XXXXXXXX XXXX  Care credit. to remove their account from my Credit report/ I received credit reports from XXXX and from XXXX monthly. 
This is regarding Credit Report # XXXX for XX/XX/XXXX from XXXX. 
On page 8 of 12, of the report, there is an information entry by XXXX/CARE CREDIT, Partial account XXXX ... .. 

I opened this CARE CREDIt account in XX/XX/XXXX to my best memory and IAW Credit Report XXXX dated XX/XX/XXXX ( XXXX ). 
I opened this account because I had a medical emergency dental procedure, a XXXX actually, at the XXXX, XXXX, in Washington DC, XXXX XXXX site.I run out of money, and Doctors office offered to me to open an account with CARE CREDIT in Florida. The APR INterest rate to my best memory was very high about 30 % or more. 
But I needed to pay for doctors and I accepted the offer and applied and received CARE CREDIT card with high interest rate ( to pay for my MEDICAL BILL ). 

However, I do remember when I was driving from my storage in XXXX, VA, and stopped at the XXXXXXXX XXXX, VA, on parking lot, and made my last payment to CARE CREDIT in XX/XX/XXXX. I also told to the CARE CREDIT that I want to close this account. ANd this is it, I can not afford no more to have no credit cards. 

In XXXX in XXXX, I placed my condo in D.C. for sale. The Recession started in XX/XX/XXXX. My house, my home, condo, could not sell. It went to SHORT SALE, because value dropped from {$640000.00} to {$300.00} XXXX ... and I was in HORROR what is happening. 

I also lost all my money and job. XXXX XXXX filed for a FORECLOSURE on my home, But I filed for Bankruptcy Chapter XXXX with attorney XXXX on XXXX XX/XX/XXXX. 

Attorney XXXX reported all my credit cards in the bankruptcy, But Care Credit was not reported to be included in the bankruptcy Chapter XXXX to stop foreclosure. I do remember that I PAID it off, and I closed it in XX/XX/XXXX. 

Moving forward : Fast forward. 
Yesterday I received XXXX report, I checked again all the entries. I saw an entry by XXXX Care CRedit Partial account number XXXX XXXX XXXX ... 
I see this account all the time. And i called to XXXXXXXX XXXX Care Credit in XXXX - about to remove this entry because it is in GOOD standing but hanging there ... for no reason. 
I did not understand that GOOD CREDIT will be in my credit report for 10 years. 

So when I rec. credit rep. from XXXX yesterday, XX/XX/XXXX, I called today again in XXXX/CARE CREDIT at # XXXX to check the status of XXXX to stop report this " good '' credit to credit reports companies? I called XXXX.I spoke with XXXX. XXXX asked for my Social Security Number, because I dont have account number no more. 
I gave it to her ( SSAN ), and date of birth, and address in Washington DC and phone number. XXXX found something about me. She said that she must transfer me to another department.I asked her ; what is the name of another department? She said it is BANKRUPTCY DEPARTMENT. I said to XXXXn that this account was never been included in BANKRUPTCY and it was paid in full by me in XX/XX/XXXX! ( UNLESS TRUSTEE for the bankruptcy decided to include this paid off account in the bankruptcy in order to increase the volume of the bankruptcy accounts. But in XXXX when I called to XXXX CARE CREDIT, I was told that it is Good account, in good ending, and will fell off in XXXX.I was not told in XXXX that my account is in BAD standing in BANKRUPTCY and this is why it will be on the record FOREVER!!! ) It is my understanding that BAD accounts will be on the Credit Report for 7 years. And Good accounts will be on the Credit Report for 10 years. And this was told to me in XXXX by XXXX XXXX, CARE CREDIT agent, she told me that this account is GOOD ending account and will be removed in XXXX after 10 years of GOOD credit reporting. BUT today I suddenly found out that XXXX XXXX Care Credit, who offered and gave me this card with 30 or 33 % RATE, in XXXX, -- moved this my record in BANKRUPTCY DEPARTMENT!!!!! 
I was in bankruptcy CHAPTER XXXX to Stop FORECLOSURE, fighting for my HOME and existence for 5 years!!! -- and it was painful. It all flash backed to me again today. 
THUS, XXXX of XXXX XXXX Care Credit told me that I must call to BANKRUPTCY Department to collect DEBT, amd that my account is a BANKRUPTCy account to collect debt ( my XXXX card XXXX XXXX/CARE CREDIT medical cards. ) # XXXX, XXXX could not transfer me internally to BANKRUPTCY department.I called XXXX, ext, # XXXX, Ext # XXXX ( all others ). 

I spoke with XXXX Agent Employee ID # XXXX at ca. XXXX XXXX. ( approx ) XXXX Employee ID # XXXX asked and received again my Social Security number, Date of Birth, Tel Number, last 4 XXXX, and address where I live now.I told to XXXX that I opened that card in XX/XX/XXXX. I closed it in XX/XX/XXXX. The highest was {$250.00}. And it was paid off and closed IT was medical expense. It was NOT included in bankruptcy Chapter XXXX to stop foreclosure. He could not locate my account. He said that I must speak with another department. XXXX said that my account is in INTERNAL DEPARTMENT of XXXX XXXX CARE CREDIT. 
XXXX said that he can not do anything and he transferred me to number XXXX, XXXXNTERNAL DEPARTMENT. ( I dont understand what it means ). 

I called to XXXX, spoke with XXXX of XXXX/CARE CREDIT Internal department at XXXX XXXX ( approx ). 
XXXX asked me for last four of SSN, DOB, PHONE # ( I remembered that in XXXX I maybe had number XXXX. Maybe not. But I gave it to her, in addition to current phone number which ends with XXXX. ) XXXX could not locate me nor my account. 
I asked her to explain to me why my account is declared by XXXXXXXX XXXX as bankruptcy account to collect debt? and if it is so, then it should be on the credit report for 7 years not for 10 years. She did not answer. I asked her to remove please this account which they keep on my credit report as BAD account and overtime- 3 years overtime, if they consider it a BAD debt collection account what it is not! 
She did not answer. After a while second later, i called her name XXXX, XXXX, she did not answer. To my best understanding the phone dropped died, and i was talking to myself. 
This is why I am upset about what is happening : if it is account in bad standing, then there are time limitation for this account to be on the record ( credit rep ).

But it was NOT in Bankruptcy yet I was treated like a criminal -- for asking to remove this record from my credit report because they told me that it is a BANKRUPTCy Account and then I called to 1. XXXX, 2. XXXX, 3 XXXX. 

For your information : In ca. XX/XX/XXXX, my old XXXX XXXX needed a new Transmission. And Transmission car repair co. in DMV area, had a XXXXXXXX XXXX offer for a credit card for to repair transmission. I applied in XX/XX/XXXX for XXXXXXXX XXXX for new Transmission.I was approved by XXXX XXXX for a credit in amount of {$500.00}. Attached is a copy of the card. I never used the credit card for TRANSMISSION repair, because i bought a new car under WARRANTY of Manufacturer. AndI closed XXXX XXXX account credit card in XXXX in XXXX XXXX. I never used it and I closed it. IF I was so much on the BAD LIST of the XXXXXXXX XXXX   -- that XXXX and XXXX and XXXX referred me to Bankruptcy Internal Bad credit department -- then why XXXX XXXX offered to me a new credit card in XXXX and gave me credit {$500.00}? 
I did not use it, and closed it.

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