Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Billing disputes California

I have a charge off on my redit report for $4.00 from -. thisi s a - - card thru SYNCB. this $4.00 shows late - days. I can assure you I pay my - credit cards off monthly with a much bigger balance. this is abusrd that I am being penalized for never recieiving a statement. Once discovered of course Immeidaltely paid this $4.00 charge. However, I am now looking to purchase a home and this $4.00 is hurting my FICO score. I am asking the creditor to DELETE this charge off from my credit and send notice of such deletion to all - bureaus. Ihad no idea I had a charge off ever filed against me until - - - pulled my credit. I feel completely mislead and taken advantage of for a mere $4.00. the charge off is showing PAID however becasue of the category of charge off my fico score is down - points. I want this rectifed ASAP!