Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Delinquent account New Jersey

I have been a client of Synchrony Bank as a result of an application submitted when I purchased furniture from Ashley Furniture / -. We had paid our balances on a monthly basis for over 3 years, and had asked to have our account put on auto-pay through synchrony and through their customer service department ( phone ). On two different occasions, the representative in order to collect payment promised that our account was now on auto-pay going forward when in fact it was not. The second attempt caused our account to be over 30 days and reflected on credit report. I have called a number of times, and discussed with their internal service department who informed me for the first time that we were to get a confirmation letter to confirm auto-pay. This was the first we had heard this, and that since we did not get the confirmation it is our responsibility. However, in my final phone attempt I explained to them the same situation, and without fail, the customer service rep did not tell me I had to get a confirmation letter to confirmation to know it was officially on auto-pay. The account is now paid in full, however my late is still on my credit report. This is unfair and causing real stress in my attempt to refinance my home. Please help.