Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7186099
Complaint Overview
Complaint ID: 7186099
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: North Carolina
ZIP Code: 28376
Date Received: 2023-07-01T12:00:00-05:00
Date Sent to Company: 2023-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Last week when applying for a home loan, I was asked about a closed care Credit account with a balance of {$980.00}. My Care Credit account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with XXXX and XXXX. A few days later, my husband received a letter from synchrony Bank saying they had updated the account and alerted the credit bureaus on his behalf. Today, I received notification from XXXX that they had finished the investigation on my dispute, and that Synchrony bank had found the information on my credit report to be accurate. So I called Synchrony bank to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in 2019, and Synchrony has continued to report it as 90+ days late for the past 4 years.
Frequently Asked Questions
What is Complaint #7186099 about?
Complaint #7186099 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-07-01T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". 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.