Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Delinquent account Kentucky

I opened a PayPal Smart Connect ( - ) account -/-/-. I made some purchases, but I never received a statement from - until several months later, after the account had already been closed and was in the process of a charge off. In fact, I believe the first correspondence I received on the matter was from the collection agency, which alerted me to the account status. It was extremely difficult to locate any Smart Connect account information on their website at that time in -/-/-. It seemed like the website was purposely designed to keep customers from making payments by way of confusion. I was not signed up for paperless billing, so I lost track of the Smart Connect credit line. In retrospect, I wish I had been more proactive in hunting down a way to pay the bill. I was suffering some financial difficulties at the time, but I would have paid at least the minimum monthly bill if I had received statements. By the time I was able to get up with GE/Synchrony to straighten things out, the account had been charged off. The damage had already been done to my credit, so I was frustrated and


amount ( $730.00 ) to the new creditor. Being a loyal customer with - other lines of credit through Synchrony, I contacted them to request removal of the charge off from my report ( since I paid the debt ) on several occasions as a matter of goodwill, but they have refused each time. The continued presence of the charge off on my credit reports is wreaking havoc on my credit and causing me substantial damages in denied credit and increased interest rates. Since Synchrony 's deceptive/faulty billing practices in large part caused the derogatory mark on my credit reports to begin with, I would like the trade line deleted from those reports as soon as possible.