Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4996874
Complaint Overview
Complaint ID: 4996874
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Arizona
ZIP Code: 85204
Date Received: 2021-12-11T12:00:00-05:00
Date Sent to Company: 2021-12-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX and XXXX of XXXX, I had two late fees assessed to my PayPal Credit account. I called in XXXX and spoke with a representative who waived the fees, and because I was sick, brought the account current for these months, informing me I would be reported to the credit bureaus as on time for these months. In XXXX, I had my credit pulled to get pre-approved for buying a house, and the late payment status was still on the account for these two months. I called Synchrony again, and spoke with a supervisor, who said they would fix the issue, and that I never should have been reported as late. They informed me that it would take about 30 days to fix, and that I would receive a letter in the mail. About 60 days later, I still had not received a letter, and the status had not been corrected. I called Synchrony once more, and spoke with another supervisor. He informed me that Synchrony was reporting these payments as on time, but for some reason, the credit bureaus were not updating it. He entered another request to fix it, telling me it would take 30 days again. He verified my mailing address, and said I should receive a letter this time. He also recommended I enter a dispute through the credit bureaus on this issue. While it has only been a couple weeks since then, I have not yet received a letter. I entered a dispute on this issue through XXXX, but instead of the two late payments being removed, a THIRD late payment was added in XXXX of XXXX, and I made my payment on time for that month. I called Synchrony about this, and spoke with a third supervisor, who didnt even care there was an issue. She simply read one of the letters I never received verbatim, and then hung up. I want these false late payments to be removed from my credit report, and I want to be compensated for the time invested and stress Ive had to deal with during this issue.
Frequently Asked Questions
What is Complaint #4996874 about?
Complaint #4996874 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-12-11T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.