@RaiseMyScoreASAP wrote:In November 2013, I opened two charge accounts with GE Capital: one with Belk and one with Brooks Brothers. Since that time, GE Capital sold its charge accounts to Synchrony Bank (SYNCB). I left these two charge accounts in a hot car over the summer and they slightly warped. So I requested a replacement card for each.
SYNCB is now reporting that I have FOUR accounts, two open and two closed. SYNCB reported two of the accounts as "lost or stolen." This has increased my overall account total by two and decreased my AAOA. I have never experienced this from any other bank or creditor. With EVERY OTHER creditor, damaged cards are replaced the same account number. Sometimes, the creditor will assign a new account number, but certainly does not report multiple accounts. The customer service agents at Belk and Brooks Brothers have not been helpful in getting this resolved. I simply want it reported that I have ONE account with Belk and ONE account with Brooks Brothers. If I had known what a huge hassle and detriment this was I would have just kept my mouth shut and kep the damaged cards. They probably were fine to use, but were warped. I rarely use the physical cards anyway. I just show my ID and have the clerk look up the number. Finally I spoke to someone at Brooks Brothers who finally admitted that this practice was not the industry norm. He says that the duplicates should drop off in a few months. Why should I have to suffer because of their incorrect reporting?
The thing that really has me off the rails is the Belk people who tell me that oh no I am WRONG. THEIR personal credit was never impacted when THEY closed an account. It seems that EVERYONE who is an agent at Belk SYNCB is a certified FICO expert and I should be glad that they are so helpful. When you get denied credit solely because of the decrease in the AAOC, then you have suffered damages. And I have suffered damages.
THIS IS A WARNING TO ANYONE WHO HAS A CHARGE ACCOUNT WITH SYNCB. First, don't open an account with this bank in the first place. And if you do never request a replacement card.
Yeah I dont know about all that but SyncB is a very GOOD bank.... Gave me a 17K Lowes credit line and 5K at walmart and amazon.
We can "step out back" about this if you want. 
haha
First of all,
SYNC did not sell to another company GE Capital Retail Bank changed its name and went public
Yes, they do add additonal tradelines when they are reported lost/stolen or replacement card with new number
I beleive you can dispute this with the CRA though
It is not as the new account shows a new year... if anything this could actually help down the road... say you had the card for 10 years... order a new replacment card... bam you have two 10 year old tradelines now.
