Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Credit card protection / Debt protection Virginia

On - - - we had to rush our cat to the emergency vet. He required a - that very same night with a - chance of survival and price tag of $500.00. Having just gotten married and having unplanned increased expenses to pay for the - that night I applied and was approved at the vet 's office for a Syncb/Care Credit card with a $500.00 credit limit. In - of - I - to -, leaving my new - wife in charge of bills, home, and child. Unfortunately, the increase burden of our combined pre married debt with her loss of income from leaving her job in - to move to - lead to her to prioritizing so that our family 's basic needs were being met. This lead to Syncb/Care Credit 's payments to fall behind. Ultimately leading Syncb/Care Credit 's recent and unethical reporting of late payments and heavy use of available revolving credit to -, -, and - that have severely damaged my family


list Syncb/Care Credit 's above mentioned contributions with supporting credit reports. Upon your review, it is my request that you have Syncb/Care Credit deleted from all of my current and future credit reports. 1. -, -, and - state " You have a serious delinquency ( 60 days past due or greater ) : '' In - of - Syncb/Care Credit changed my account status from closed to open. And although the Status was still listed as Charge-off, the account 's Payment Timeline began listing new late payments from - - to - -. The account was originally closed and charged off in - of -. As listed in the the attached credit report dated -/-/- with late dates occurring then between - and - of - for 1 ( 30 ) /1 ( 60 ) /6 ( 90 ). However in - -, as the attached - Score - Report dated -/-/- reports all - credit bureau agencies began listing Syncb/Care Credit as open and with missed payments listed for two of them. First, -, ( 1 ) 30 days late payment in - -, ( 1 ) late 60 days payment in - -, and ( 45 ) late 90 plus days from - - to - -. And second, - list ( 1 ) late for 30 plus days from - - to - -. Making the originally reported ( - ) late 90 plus days from - to - - ( Report, -/-/- ) increase to ( - ) late 90 plus days from - - to - - ( -, -/-/- ). 2. - credit bureau 's state " You 've made heavy use of your available revolving credit : '' The last payment made on the account by my wife was for $50.00 on - - -. The attached - report ( -/-/- ) list ratio of revolving balances to credit limits as 173 % ( $ - $450.00 ) for - and 100 % ( I ca n't figure out how they got this number ) for -. 3. - and -, " There is no recent activity on credit cards : '' That is because the only revolving " open '' account listed on my reports is Syncb/Care Credit and making new charges to a close and charge-off account is not possible. 4. -, " There is no recent activity on revolving accounts. '' Please refer to # -. After running a - Score Simulator that eliminates Syncb/Care Credit from my credit report my scores will finally reflect the hard work that my wife and I have dedicated to paying off debt and keeping our other accounts current. This will enable us to make the strategic financial decisions needed for our family 's future financial health. We thank you in advance for your time, and consideration, and advocacy.