Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I disputed an account, Synchrony/care credit that originally had a balance of {$760.00} as of XX/XX/XXXX. Due to being critically injured in the line of duty as a law enforcement official, I could no longer pay this account that was entirely used for medical bills, and medical expenses. After speaking with care credit representatives, I was placed in a customer assistance program, paying XXXX XXXX  monthly til paying back an agreed amount. Any balance would be then forgiven in the issue of a XXXX from by care credit, which was this balance ( {$580.00} ). I never received the 1099c form from Care credit but only has negative marks placed on my credit report as owed or owing with negative comments as to to late payment or non payment. Ive tried several times to resolve this with care credit and with XXXX complaints/ disputes with XXXX credit reporting as they are refusing to remove this alleged debt that is legally medical debt. This most recent dispute with XXXX  again, denied to remove this alleged balance, which originally should have been forgiven in the issue of a 1099c form but instead, Synchrony bank/care credit has instead, turned this into a debt and reporting so to my credit bureaus. Not only is this balance should have been forgiven as to previous agreement but should not be reported as debt owed as its entirely medical debt, which per Federal law and as to the Federal Fair Debt Collection Practices Act should not be reported on my credit report and should be removed and not reported. Again this alleged debt is entirely medical debt as per the consumer protection laws against such reports of medical debt on an individuals credit report. Again, XXXX  is refusing to remove this report which they continue to associate with credit debt but is legally obligated by law, to not report this alleged balance as medical debt, which it is. I have had issues before with Synchrony bank in the past with XXXX other accounts that were closed, and placed in a similar customer assistance program and forgiveness of any balance after would then send a 1099c form. Those other accounts were forgiven an a 1099c form was issued, see attached. It seems Synchrony and care credit are just refusing to honor their original agreement with me when I clised other XXXX Sychrony bank accounts with similar terms. This alleged balance of {$580.00} should have received the 1099c form after I completed paying back the agreement amount several months ago, in XX/XX/XXXX. Trying to dispute this with Synchrony bank and XXXX credit reporting has not resolved this issue that continues to be illegally reported on my credit report for this alleged balance was to be forgiven as to past accounts with Synchrony bank who then issued the 1099c form as agreed. This is just harassment by Synchrony bank an care credit that I had a customer assistance agreement payment plan, after closing this account in XX/XX/XXXX, with a customer assistance program installed and an agreement to pay back an agreed amount which the balance of ( {$580.00} ) would be forgiven as well with the issue again of the 1099c form for the forgiveness of this amount. My consumer rights are being violated and XXXX credit report is refusing to provide protection against false, misleading and fraudulent charges which are actually, in this case, all medical debt and is also violating my consumer protection rights under the Federal Fair Debt Collection Practices Act ( 16 USC 1692c ) I will be filing an official complaint against XXXX  credit reporting bureau and Synchrony bank/ care credit for reporting such medical debt illegally and for failing to issue the agreed 1099c form to this alleged debt as forgiveness as agreed in past incidents. As to past 1099c form issued by Synchrony bank in other closed accounts, after receiving their 1099c form, I did report these 1099c form to my tax filing in XX/XX/XXXX as by law, is considered earned income and must be reported as such.

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 explanation