Sychrony Bank closed my Amazon account in XXXX of XXXX yet continued to process fees and reported to the credit bureaus as if this was an active account in continued delinquent status. This company went so far as to list the balance as a profit and loss yet never adjusted the amount to XXXX owed. This continually reflects an over the limit circumstance that is crippling my credit score. 
Sometime between XXXX of XXXX and XXXX of XXXX, Sychrony Bank hired XXXX XXXX XXXX to apply their algorithm- based computer system to attempt debt collection. My account was pinpointed as an account that could yield capital and in XXXX, XXXX I was served with notification that I am being sued by Sychrony Bank through the XXXX XXXX XXXX XXXX of XXXX, Maine for the exact amount they claimed as a loss on their taxes. It also needs to be mentioned that in XXXX/XXXX ( I believe ), Sychrony Bank reviewed my credit and although I was in continued good standing and current with this account, they chose to lower my credit limit to what I owed ( XXXX ), making this a 100 % use of credit that dropped my score. Subsequent over-limit fees were assessed for annual fees that would not have been should they have not punished me for having a late payment on an account that was not theirs.