Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (IL)

This complaint is regarding SYNCHRONY FINANCIAL BANK or as stated on my credit report SYNCB/WALMART.I have made a report against them before but the actions taken after are just ridiculous. I had a credit card with this bank, which I did not pay due to financial hardship.As soon as I had the money to pay my debt I started trying to find a contact number to reach them out. I had lost my apartment and lost a lot of my personal mail, So I had no way of contacting them until I got a copy of my report.I called the number on my report, I called and was told this debt showed as paid on their system, she transferred me then I was told that they could n't give me any information because it had been sold to a collection agency and I had to contact them. I was jst trying to make the payment on my debt and they said they could n't take payment because they could n't even get into the file.They gave me the phone number to the collection agency it had been sold to. I called that number many times, for several weeks. I kept getting a voicemail. Left messages, never received a call back. I called the credit bureaus to try and get a different number, I believe transunion even try calling SYNCB to try and get a new number but they didnt have a different contact number. It was crazy I was chasing a collection agency to try and take care of a debt instead of the other way around.I tried to take care of this situation since last year, XXXX. After a month or so I gave up. I used the money to take care of other debt.I disputed this same account in XX/XX/XXXX because the balance showed on my credit reports as {$1700.00} and according to SYNCB reps. this account showed as paid under their system and they couldnt take payment for it. After the dispute, this bank dcided to update the information and dated as XX/XX/XXXX which affected my credit in a negative way, when I was working on repairing it. I disputed the date to be changed to XX/XX/XXXX which is when I was given that information and tried to pay them, but they did n't and they changed it to XX/XX/XXXX. Which did n't make any sense! WhyXX/XX/XXXX?! but I was tired of dealing with them so i just focused on turning my credit score around by taking positive actions. Until some time ago I received a letter from XXXX XXXX Ass.Claimming the walmart debt and posting a collection account on my credit report dated XX/XX/XXXX.This whole deal has given me many headaches! I tried explainning XXXX that i tried to make the payment since XX/XX/XXXX but I didnt have the money anymore, because I used it to pay other debts.And that I am trying to fix my credit report to purchase a home since my family and I are homeless at the time. I told them I could try making a payment as long as they could understand the situation and that it wasnt my fault that the previous collection account didnt respond to my attempts to pay this debt, and SYNCB wouldnt take my payment either.I asked them to Please not report this as a new debt or collection report on my credit because it was going to affect all the hard work I have been doing. They said they couldnt do that. ANd reported this account anyways. Bringing my score down XXXX points and keeping us from getting a mortgage. My point here is, I know I defaulted on this account for reasons beyond my power.When I got on my feet I started paying all of my debt, I even paid XXXX other accounts to XXXX on XX/XX/2015.They never brought up SYNCB/WALMART account then otherwise I wouldve paid them that too.That proves they didnt have this account yet. SYNCB claims they sold this acct on XX/XX/XXXX so, why did n't they take my payment XX/XX/XXXX when I first called them?! Now I have a " fresh '' new collection account onmy report that I tried to pay since last year!! this is ridiculous. I feel like SYNCB is harrasing me for disputing their information back in XX/XX/XXXX.I do n't want to be harassed anylonger.