Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I am writing to complain that Synchrony has reported a Care Credit MEDICAL debt of {$4600.00} to my Credit Report as being a " Write Off '' gone to collections, when in fact I only owe {$580.00}. remaining on this account. 
Synchrony is in violation of 2 LAWS that protect consumers from UNFAIR Reporting on Credit Reports. 
Fair Credit Reporting Act ( FCRA ) : The FCRA promotes the accuracy and privacy of information in consumer credit reports, the amount they " Wrote OFF '' & then sent to a COLLECTION AGENCY is FALSE!!!! 
Oregon 's recent Senate Bill 605 ( Medical debt credit protection ) : This bill prevents medical debt from being used against Oregonians on their credit reports. It blocks hospitals, collectors, and credit bureaus from reporting these debts and places limits on the interest that can be charged.

I am still having a major discrepancy with Synchrony over my account balance for my Medical Care Credit Card & now Synchrony has sent this account to collections for the wrong amount owed. I only owe {$580.00}. left on my balance, they sent me to collections for an amount of {$4600.00} which is {$1100.00}. MORE than I EVER OWED on this Care Credit Card! This is a completely INACCURATE amount.

I have a Medical Care Credit Settlement plan that started in XXXX XXXX XXXX  for my total remaining balance on my card of {$3400.00} I paid the first installment of {$1100.00} on XXXX XXXX XXXX it was processed and received by Synchrony on XXXX XXXX  according to my XXXX XXXX XXXXeller.

I paid the second installment of {$1100.00} on XXXX XXXX XXXX, it was processed and received on XXXX XXXX

Then I started to receive hundreds of very threatening emails and phone calls from Synchrony that started in early XXXX, they were saying that I was not paying my credit card, so I would talk to their representatives to explain that my card is in a settlement process, I am paying it off in larger lump sums, but my payments did not seem to be processed in their system even though my bank assures me that they went through to SYNCHRONY, where did my payments go? 
I have not paid my final settlement payment because I no longer have access to my account records and they have been brutally harassing me with 15 calls a day since XXXX XXXX. 
When I log into my account, they had completely closed it down with no access to see if my payments were going through. I have probably clocked about FOUR HUNDRED HOURS of wasted time in conversations and being on hold with Synchrony account managers who could never help me or even see my account, so I was very nervous to pay my LAST installment of {$1100.00} when these very aggressive Synchrony callers told me that they had no record of any of my payments at all. 
WHERE DID THE MONEY GO SYNCHRONY?!?! 
Finally one moderately helpful Synchrony caller told me I should try to just pay 1/2 of the FINAL Payment due in hopes it might trigger their system to fix all of these technical issues they're having. When you talk to Synchrony Callers they will constantly tell you, their systems down, does not make me confident in our financial systems at all. 
So on XXXX XXXX  I paid {$580.00}. and this was processed on XXXX XXXX according to my XXXX Bank teller & my own account records. 
This proved futile as Synchrony continued to call & email me at least XXXX times a day, on my work phone number, when I was with clients, it was very upsetting. This goes against the 7-in-7 rule, they would call 15 times a day even after I blocked their phone numbers, they just kept getting new numbers to call and harass me at all hours of the day & night plus hundreds of threatening emails. 
Synchrony Bank faces thousands of class action lawsuits for their coercive debt collection practices that go against the Telephone Consumer Protection Act ( TCPA ) with constant robocalls that even break through " Do Not Disturb '', and illegally high interest rates on MEDICAL CareCredit accounts. 
I think a fair resolution with Synchrony Bank would be for COMPLETE LOAN FORGIVENESS of the remaining {$580.00}. left on my settlement because of the level of harassment I have received, the hundreds of hours I have spent on hold trying to figure out WHY I am being charged for something I have already paid for. I would like their " COLLECTIONS '' notice removed from my CREDIT REPORT effective immediately because it a false amount owed!!! I demand ACCESS to my entire ACCOUNT HISTORY because I can't even see my account records now at all, isn't that ILLEGAL? 
I am self employed so time is money, when they're calling me all day long & I am trying to explain my situation to yet another brand new person, those are hours lost forever in my self employed business where I am losing profits. SYNCHRONY is reporting FALSE INFORMATION on my CREDIT REPORT & Oregon has passed a law that prohibits medical debt from appearing on consumer credit reports, protecting Oregonians from long-term financial harm due to unexpected health care expenses but this is money I don't even OWE!! PLEASE HELP!!!

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