Consumer complaint received 2016-11-10
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX XXXX we had to rush our cat to the emergency vet. He required a XXXX that very same night with a XXXX chance of survival and price tag of {$500.00}. Having just gotten married and having unplanned increased expenses to pay for the XXXX that night I applied and was approved at the vet 's office for a Syncb/Care Credit card with a {$500.00} credit limit. 
In XXXX of XXXX I XXXX to XXXX, leaving my new XXXX wife in charge of bills, home, and child. Unfortunately, the increase burden of our combined pre married debt with her loss of income from leaving her job in XXXX to move to XXXX lead to her to prioritizing so that our family 's basic needs were being met. This lead to Syncb/Care Credit 's payments to fall behind. Ultimately leading Syncb/Care Credit 's recent and unethical reporting of late payments and heavy use of available revolving credit to XXXX, XXXX, and XXXX that have severely damaged my family 's financial security since XXXX of XXXX by heavily contributing to a denial from XXXX XXXX XXXX XXXX for a VA Home Refinance, higher interest rates for our car refinance, and personal loan though XXXX, and lower credit approval for new credit cards through XXXX and XXXX XXXX. The following list Syncb/Care Credit 's above mentioned contributions with supporting credit reports. Upon your review, it is my request that you have Syncb/Care Credit deleted from all of my current and future credit reports. 
1. XXXX, XXXX, and XXXX state " You have a serious delinquency ( 60 days past due or greater ) : '' In XXXX of XXXX Syncb/Care Credit changed my account status from closed to open. And although the Status was still listed as Charge-off, the account 's Payment Timeline began listing new late payments from XXXX XXXX to XXXX XXXX. The account was originally closed and charged off in XXXX of XXXX. As listed in the the attached credit report dated XXXX/XXXX/XXXX with late dates occurring then between XXXX and XXXX of XXXX for 1 ( 30 ) /1 ( 60 ) /6 ( 90 ). However in XXXX XXXX, as the attached XXXX Score XXXX Report dated XXXX/XXXX/XXXX reports all XXXX credit bureau agencies began listing Syncb/Care Credit as open and with missed payments listed for two of them. First, XXXX, ( 1 ) 30 days late payment in XXXX XXXX, ( 1 ) late 60 days payment in XXXX XXXX, and ( 45 ) late 90 plus days from XXXX XXXX to XXXX XXXX. And second, XXXX list ( 1 ) late for 30 plus days from XXXX XXXX to XXXX XXXX. Making the originally reported ( XXXX ) late 90 plus days from XXXX to XXXX XXXX ( Report, XXXX/XXXX/XXXX ) increase to ( XXXX ) late 90 plus days from XXXX XXXX to XXXX XXXX ( XXXX, XXXX/XXXX/XXXX ). 
2. XXXX credit bureau 's state " You 've made heavy use of your available revolving credit : '' The last payment made on the account by my wife was for {$50.00} on XXXX XXXX XXXX. The attached XXXX report ( XXXX/XXXX/XXXX ) list ratio of revolving balances to credit limits as 173 % ( $ XXXX {$450.00} ) for XXXX and 100 % ( I ca n't figure out how they got this number ) for XXXX. 
3. XXXX and XXXX, " There is no recent activity on credit cards : '' That is because the only revolving " open '' account listed on my reports is Syncb/Care Credit and making new charges to a close and charge-off account is not possible. 
4. XXXX, " There is no recent activity on revolving accounts. '' Please refer to # XXXX. 
After running a XXXX Score Simulator that eliminates Syncb/Care Credit from my credit report my scores will finally reflect the hard work that my wife and I have dedicated to paying off debt and keeping our other accounts current. This will enable us to make the strategic financial decisions needed for our family 's future financial health. We thank you in advance for your time, and consideration, and advocacy.

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