Synchrony Bank Bank Account Or Service Complaint

Synchrony Bank Bank account or service department,

Other bank product/service Account opening, closing, or management Utah

Synchrony Bank/JCP ; Has presumed that I owe them for a lowly $38.00 charge, which ( they have now inflated the charge to $75.00 ) dates back to around - 2015. They say it is my debt, have written the charge off, and assigned the debt to a - - - ( - ). Here is the problem : Synchrony bank NEVER called us. This $38.00 charge was being mailed monthly to some ambiguous address and City and zip code some - miles away from us, and we never received it EVER! If we would have ever received it, we would have called them up & figured out and qualmed the problem, but they never called us, and instead forwarded on the charge to - - -. In doing so, it tarnished all - Credit Reporting Agencies ' credit history of my wife, lowering her credit score about - points! In the first place, this $38.00 charge is likely a fraud case. Also, it was mailed to a foreign address. Synchrony/JCP never called my wife to discuss, and then took the liberty to report to the credit agencies that she is delinquent ( lowering her score - points )! Further, we do n't recall ever opening this charge card! When I call Synchrony, I can never get a hold of anyone who can help. Further most of them, if they want to try, do not speak pure -, and thus ca n't understand them. We 're infuriated, as we call - - - weekly for resolution. While their people are decently reasonable, they say they will put in yet another request for " original credit application '' information. This has been going on for the past 6 weeks unresolved. Also - - - can not rescind this credit history problem, but only Synchrony/JCP can. That, is what MUST happen! Until it does, we will likely feel compelled to hire an Attorney, and legally have these credit reporting errors fixed. But, I 'll not be paying the Attorney, Synchrony/JCP will ...!