Consumer complaint received 2020-03-31
Company: SYNCHRONY FINANCIAL
State: NC
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:
Last year, in order my XXXX  office provided Care Credit to provide payments for my wife 's XXXX. We were approved, I thought the payments were made through the XXXX  office, and were unaware that they were made to Synchrony Bank directly. 
So ... even though my credit score at the time of my house closing in XX/XX/XXXX was XXXX ... .and even though I have been approved for a car loan, dump truck loan, office purchase loan of XXXX, and a track hoe loan through lending institutions, and even though my payments to XXXX XXXX on my XXXX credit limit card have always been made 20 days or more in advance ... .and even though all of my bank payments have been on time, auto draft ... ..and even though all my building accounts are current ... .you XXXX XXXX were able to drop my score 93 points for missing a payment I did not even know existed. I hope you rot and XXXX  in XXXX and I hope I am the one to send you there, and I will work diligently to put you out of business Synchrony bank and anyone who supports you. I will work to get your business removed from XXXX XXXX ... no matter how many rounds of golf and drinks you have together. 
The whole XXXX  system is rigged against you. The only thing that should matter is your payments being made on time. 
And why does it take months and years to build credit ... .and five seconds to destroy it ... .and why has my score been going down as I have been acquiring more credit. The XXXX tell you that getting new credit raises your score ... ..they lie. And they are able to judge your score without even knowing your debt to income ratio ... I mean if whats more important ... .your use of credit level % ... ..or your ability to pay it off???? 
What in the XXXX does credit shopping have to do with a credit score????? I????????? 
If you don't take on new debt, or too much debt ... .maybe there is nothing wrong. 
We should be rewarded for shopping around for credit ... .not punished. 
What is the XXXX does maxing out your line of credit on occasion have to do with being a credit risk???????????????????? 
How can you allow anyone to drop your score by 93 points for missing a payment you don't even know you are supposed to make. I caught it up immediately ... .but the damage is done. And now with the XXXX XXXX XXXX Coronavirus ... ..that SBA loan and my house refinance that would save us {$500.00} dollars a month on our house payment and lower our debt to equity ratio ... .my ability to survive on the back side of this disaster I had nothing to do with??? I will do to you what you did to me but with the idea that you do not stay in business. How many jobs would that be at Synchrony bank ... .you win one law suit ... and all the others come out of the woodworks ... .right?? Class action ... social media posting ... .an evening news cast ( TV ) portraying what you do to people??? / I will eventually testify before Congress and I will make sure I make the networks allow me to tell others about you. 
I also have a Synchrony account at Lowes Hdw ... ..which I was lied to about.

Lowes Hdw told me I was opening a builders account ... ..like I have at 4 other material suppliers. They never mentioned it was a credit card ... .lying XXXX 's. 
Even worse ... .Synchrony only allows autopay to be set up directly to your checking account. They will not take a credit card payment ... .meaning I don't get to collect and make points from my Lowes payment through XXXX  XXXX XXXX  payments ... ..like the XXXX miles that flew my wife and kids to my wife 's home country of XXXX for XXXX XXXX .without points, impossible. For that reason ... lowes hdw looses about {$100000.00} in business from me a year. I have 5 other builder accounts. The only reason I shop at lowes is either job site convenience ... .or the other suppliers don't carry what lowes does. 
So ... .never mind my perfect payment history ... perfect. Never mind I did not even know that I was supposed to pay this account. Never mind that synchrony chooses to stay in the ice age and not set up auto pay through means other than bank draft. 
XXXX would not play nice ... .so we are going to ding him 93 points in one 30 day reporting period for being 30 days late?????????? 
Oh my XXXX ... the algorithms say his in distress, he is in trouble ... .he is going down ... .lets down grade him. Lets not find out what the XXXX is actually going on ... .lets not tell him that we were calling on a separate account he did not know he even had ... .both in Synchrony bank ... .lets just drop his score right when his XXXX taxes are fixing to be done and filed ... and he is going to refinance his house ... and he needs an SBA assistance loan to survive the Coronavirus .... XXXX you all and may it be done unto you as you do to others. You punish those who do right for the sins ( thats why you make the rules ... the sins of others ) of others. 
How arrogant a system who relies on blind algorithm and rules instead of checking in to see what is going on. 
Its like relying on math to see if your kids are ok, rather than getting off your lazy arrogant XXXX to just walk into the bedroom, kiss them good night ... and talk to them in person. 
Its like firing someone bases on what an algorithm says, rather than any basis or reason. Oh ... the math was not in favor for you today ... .you are fired ... .you are chosen to XXXX. 
And since when does shopping for credit mean you are desperate??????? Lets see ... .oh ... they use of credit combined with shopping ... the math says thats dangerous and desperate ... .so lets punish him. 
Anyway ... ..93 points in a 30 day reporting period short of not making any payments and filing for bankruptcy ... .is stupid, arcane, arrogant ... and criminal. You are either with me or against me in this fight. 
I just won out all by myself against XXXX XXXX trying to bully me on XXXX XXXX, lying on what my bank statement showed ... .and I got a full refund. They thought they could win too.They transferred me to 8 different people in 6 different office locations over 8 months, each time making me start the complaint process over again and threatening to put it on my credit. 
I am at war with anyone who supports this evil system of destroying people and holding them back for no reason ... ..and you are either with me or against me. And I never ever lose. 
If you have any freiking power or can actually do something ... .then please give me a call. Otherwise ... don't waste my time ... and pass me along to someone who can do something. I don't need this to go through your sloth slow bureaucracy people die waiting for action system and process. I need XXXX help right now, yesterday..I don't need for this to come off my credit in 60-90 days ... .it needs to go right now.

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 monetary relief