Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Billing disputes California

Ref : Amazon Card Acct # -Gentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc. I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor - had same issue. However, - confirmed that they did receive statements back from post and gave me full credit of late payments and finance charges. Recently unbeknownst to me these late payments with no mistake of mine were reported to credit reporting agencies, damaging my impeccable credit. I called your agent and paid the balance on -/-/- except for $2.00 insurance charge. I did not pay insurance charge because I did not voluntarily enrolled in


I was surprised to see balance of $43.00, when called call was routed to - collection agent, who gave me following information, which does not make sense. He transferred me to -, US Rep of Bank who was very courteous and patiently understood the situation and confirmed - balance and submitted information to correct erroneous late payment information to all the credit agencies to restore my good credit. I have already raised dispute with Transunion. Talked to collection agent - - - - -/-/- payment due, $16.00 -/-/15 Only - Charge was made- Could not confirm if charge was $16.00 why amount due raised to $39.00 of which I paid $34.00 on -/-/- In spite of my conversation with agent in -/-/- your representative confirming resolution, without any extra purchase still late fees of $35.00 were tacked on. On -/-/2015 - confirmed - balance and promised that collections will not send me bills and credit reports will show no late payments. I would appreciate a letter confirming that credit agencies have been apprised and no late payments will show on credit. Thanks and regards. - - - -, - -, CA -