Consumer complaint received 2022-03-10
Company: SYNCHRONY FINANCIAL
State: FL
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:
I deeply regret the day that I purchased a sofa on XX/XX/XXXX at the XXXX XXXX located in XXXX XXXX, invoice XXXX, when a sales man named XXXX XXXX XXXX proposed the possibility to finance the purchase. Considering that the merchandise was in back order, my first question was to mention that considering that was entitled to return the sofa, then I was going to start making payments once that the order was delivered. The response was that no payments would be due until I received the sofa. 
However, once that I signed, these agreed terms were not honored and I started receiving invoices in XXXX, XXXX, and XX/XX/XXXX. I called multiple times and explained that I had not received the merchandise and I was not going to start making payments until the delivery which finally took place on XX/XX/XXXX. 
As a consequence, these undue payments were unjustly reported as late to the three credit agencies. I contacted Synchrony Bank again at the beginning of XXXX and explained all these facts via chat, email and phone. Please find attached a letter dated XX/XX/XXXX where Synchrony states that due to difficult circumstances I was not able to make payments ( this is utterly false ) and that Synchrony was not able to delete or modify the reported information which clearly shows a lack of professionalism addressing my problem. I never mentioned that I missed payments for any difficult circumstances, I clearly proved that the sofa was delivered on XX/XX/XXXX, and in the event that it was defective or I changed my mind, I was entitled to return it with 24 hours upon delivery. Therefore, the late payments were wrongly reported by Synchrony because I DID NOT HAVE ANY OBLIGATION TO START MAKING PAYMENTS until the delivery of the sofa, because I was entitled to return the sofa for any reason. It is not my fault to have received misleading information from the sales man to secure his commission, and at certain point it is illegal to lure client with false promises. 
I am asking you to correct this huge mistake that has negatively impacted my credit score as soon as possible and this time pay attention to the real facts. 

A letter was sent on XX/XX/XXXX, the response was that, I literally quote, " we certainly understand that difficult circumstances my arise from time to time ... '' '' I never mentioned that I had any financial struggles, I just clearly stated that I was subject to start making payments once that I received the sofa, and the sofa which was not delivered until XX/XX/XXXX. Therefore, I did not have any obligations to make payments on XXXX and XX/XX/XXXX which clearly entails to pay interest for an item that could have been returned. 

Once again, I submitted another letter and this time the response that you can see attached stats that " I had multiple delinquencies on XXXX '', and in this case this response is utterly false. I do not have a single late payment in XXXX. 

Once again, Synchrony displays a clear lack of organization sending groundless responses without even paying attention or reading my justified allegations. 

I am requesting Synchrony to remove the wrongly and false accusation of late payments because this mistake has negatively impacted my credit score. 

Sincerely yours, XXXX 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 non-monetary relief