Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: OR

Complaint narrative:
I tried to close my accounts and make payments online in XXXX of XXXX. I was unable to, so I called and had the customer service fix the payments and make them right. Since they could see that I tried to access and pay they took the fees off and the late payments off. I prepaid for these cards, and I was never late. This was so I could build my credit. I had some problems with fraud on these accounts, and I had to close some cards and have some reissued. I closed all accounts in XX/XX/XXXX owing nothing since I had prepaid for them. I found out that they did not close the accounts and were reporting to the credit bureaus that I was late, and they were adding fees on every month. In XX/XX/XXXX I tried to dispute this and then they closed one account and said one was a charge off. Both accounts were opened at the same time and closed at the same time. They are now giving all sorts of information and now reporting I have three cards which I never did. I had perfect payment history before I tried to get them closed and they did not close them and added on fees month after month even after trying to fix it with them. They are insistent I owe when I do not. This is their mistake, and they have caused problems on all three credit reports, my car insurance is high and affected because of this and I can't refinance my car loan because they have done this. This has become a hardship, and I would make no sense for me to default in these cards after perfect payments. This is really hard to deal with because I feel like they are bullying me into paying fees I do not owe. Fees because they were negligent with closing my accounts and fees that added up on payments I wasn't even supposed to be making because they were supposed to be closed. I want all accounts erased from all of my credit reports so that I can start to build again, I feel stuck here and every time I try and reason with them, they come back with some different information that is not accurate. This is so unethical on their part to do this to people. Basically, giving confusing and wrong information to all credit bureaus and if you don't know how to dispute and complain then you have to pay them. How many people do they get to give in to paying things that are wrong so that it corrects their credit. I will not pay for debt I do not owe. I need all of my credit reports corrected and the more they say that I owe the more this feels like harassment. I think the credit bureaus and this credit card company have arrangements and make money on wrongly charging, and collection money not owed. Falsely accruing fees, reporting accounts that never existed, and then the credit bureaus charging consumers to help them clean up the credit. It is wrong all the way around. I was just a regular person trying to fix my credit to get ahead and I was doing that. Every payment was of my own money and on time. This has ruined all of my hard work. I want all account that are reporting to all credit bureaus through First Progress m Premier cards to be erased from all three credit reports

Company response to consumer: Closed with non-monetary relief