Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Not sure if I can list both problems, XXXX accounts with the same company on the same complaint, but here it is. 
I financed furniture from Ashley Furniture ( Synchrony Bank ) on XX/XX/XXXX. The furniture was not delivered until XX/XX/XXXX therefore payments started XX/XX/XXXX. Synchrony approved me for XXXX different furniture cards XXXX ) Ashley XXXX  and XXXX XXXX XXXX XXXX ( Ashley XXXX XXXX ). I had {$1400.00} XXXX  months same as cash, combined on the Ashley XXXX  card with {$4500.00}. My minimum payment, if I remember correctly started off about {$130.00} a month. I always paid more thinking the extra would be applied to the XXXX  months same as cash. I was never given an option or made aware of how the payments would be applied to both accounts. Knowing I was nearing the XXXX  month timeline, I contacted XXXX on XX/XX/XXXX ( by online chat ) to see what the balance was on the XXXX  months same as cash. I was thinking I had XXXX  months to come up with roughly {$700.00} to pay it off. I was told the balance was {$1000.00}. This is when they first dropped my credit limit. I have all the screenshots from the conversation. Next we come to XX/XX/XXXX payment. I was late, the only payment I have been late on, but life was really real at that moment. They charged me a late payment for XXXX which I paid, and XXXX for XXXX. Again I contacted Synchrony by online chat to get the XXXX late fee removed and the online chat operator waived the fee, so I paid my normal amount due. After they received the payment, they put the late fee back on. I refused to pay it, this is the reason why they say my account is in the negative all the while adding interest to an amount that they, at XXXX point took off my account, and have put this on my credit report. I also have all the screen shots from that online chat with my account summary where the late fee was waived and then reapplied to my account. Now on the XXXX XXXX  account, they say a payment was not made. I have bank statements for the entire time that no payment was missed. They keep telling me about there records. When trying to pay the XXXX payment, the online and phone system was stating the payment could not be processed. So I thought ... ..the phone payment called in on the XXXX actually went through. I was not aware and a payment was made by phone on the XXXX. Now they have added late fees and saying this account is in the negative. I have all bank statements. The XXXX payment was only {$54.00} and this bill is nowhere near being paid off. How could that be? I am expected to operate in good faith and integrity, shouldn't this fortune XXXX company be held to a higher standard in recognizing where they messed up. I have had it up to my neck with this company. I needed some dental work and discovered Care Credit is funded by this joke of a company and I whole heartedly refused. I will work XXXX jobs before I deal with this company again.

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