Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Delinquent account New York

I am filing this complaint because I feel Synchrony has been unfairly besmirched my credit through forces that were outside my control. A single payment of - $35.00 was missed ( now the only negative comment on my credit report, and the only missed payment I have ever had in my credit history ). I had previously called in to report an issue with there being multiple usernames/passwords associated with my account, as well as multiple card numbers and cards being issued seemingly every few months. I will go into further detail below. A new Banana Republic card was issued to me randomly ( my old card had not expired ). I assumed this was part of the industry-wide upgrade to the newer " chip technology '' card to enhance security. Over the last 12 months I have received a new BR card on at least - other occasions where I did not request -, which was confusing but not a terrible inconvenience in itself. When I log in to the BR credit card portal via Synchrony Bank, using - username, it was only showing the balance from the previous card, which created


logged in with my - username I was forced to enter my full acct number and then change my password. Every single time. I must have changed my password 25 times. This happened every time I logged in with -. When I called a while ago about the issue I was told this should not be happening but an explanation or solution was not provided, other than " do n't login on your phone '' which made no difference whatsoever when I later tried again. So I activated the new chip-based card I received and used it for the first time at my local BR store. The balance due was around - $40.00. A few weeks later, when I checked my balance when logging in with the - username your website showed a $0.00 balance. What I did not realize was this was the balance of the card that had been replaced ( not the newer card ). I was not seeing the balance for the new card, I assume because the new card was n't " registered '' with the alternate username. Since I had paid for my purchase using a " rewards certificates '' the $0.00 balance did not seem out of the ordinary to me in hindsight. I was NOT aware of the balance on the new card because your website was showing a balance of $0.00, so I did not make any payments. I very strongly feel the missed payment was not my fault since your system has been constantly changing cards on me and also because the issue with the multiple usernames/passwords for the same account prevented me seeing my REAL balance. If you look through my credit history I have NEVER missed a single payment in - years of using credit. A week ago my credit score was - and I was applying for a mortgage. After Synchrony reported this delinquency my score immediately dropped - points and has basically derailed my pending mortgage application and put it out of reach. This is an absolute NIGHTMARE SCENARIO for my wife and I right now as our current lease is expiring and we have already set the wheels in motion to buy our first home ( plans to relocate, etc. ). All over a $35.00 charge at Banana Republic. This is NOT acceptable - bit. Ironically, I have $24000.00 saved ( for our first home ) in another Synchrony - - - account which I now am considering moving to a different bank over this non-sense. I sincerely hope Synchrony will make amends with me as reporting this to the credit bureaus is utterly destructive and unfair to a long-time customer.