topic Re: Synchrony Bank GW Issue in Rebuilding Your Credit

Synchrony Bank GW Issue UPDATED

Creditobsessed12 — Fri, 03 Apr 2015 13:33:53 GMT

Hello Everyone,

As some of you may know because I shared my contact with many of you, Synchrony bank agreed to remove all the late payments on my two PC Richard accts. The accounts were both closed almost two years ago. I received a letter stating that they would be willing to remove all derogatory informatiom from my credit file on Feb 4, 2014. I have been waiting and waiting for them to update my file and nothing has been done. I spoke to my contact at Synchrony and he confirmed that all lates were removed from both accounts and that I should consider opening a dispute in the meantime to expedite things. Well I opened the dispute at the beginning of March and I sent the letter to the bureaus. I just checked my EQ file and it looks like the status of both account was updated on 3/30 and the lates are still there. EQ will not remove the lates unless they get confirmation from the creditors. The only one that was willing to remove it upon reviewing my letter was TU. I contacted my contact at Synchrony again and asked if maybe he could send me a letter outlining the months that they are willing to remove and hopefully the CRA will use that. He doesn't understand why the accounts are still not updated. He said that they should have been updated when the statement of the closed account was due to push out but it never happened. Can someone help me? I am running around in circles.

Re: Synchrony Bank GW Issue

gdale6 — Tue, 31 Mar 2015 18:20:33 GMT

@Creditobsessed12 wrote:
Hello Everyone,

As some of you may know because I shared my contact with many of you, Synchrony bank agreed to remove all the late payments on my two PC Richard accts. The accounts were both closed almost two years ago. I received a letter stating that they would be willing to remove all derogatory informatiom from my credit file on Feb 4, 2014. I have been waiting and waiting for them to update my file and nothing has been done. I spoke to my contact at Synchrony and he confirmed that all lates were removed from both accounts and that I should consider opening a dispute in the meantime to expedite things. Well I opened the dispute at the beginning of March and I sent the letter to the bureaus. I just checked my EQ file and it looks like the status of both account was updated on 3/30 and the lates are still there. EQ will not remove the lates unless they get confirmation from the credit bureaus. The only one that was willing to remove it upon reviewing my letter was TU. I contacted my contact at Synchrony again and asked if maybe he could send me a letter outlining the months that they are willing to remove and hopefully the CRA will use that. He doesn't understand why the accounts are still not updated. He said that they should have been updated when the statement of the closed account was due to push out but it never happened. Can someone help me? I am running around in circles.

File a CFPB complaint on EQ, submit your letter to them stating what they were willing to do. Good luck

http://www.consumerfinance.gov/complaint/

Re: Synchrony Bank GW Issue

Creditobsessed12 — Tue, 31 Mar 2015 19:02:58 GMT

@gdale6 wrote:
@Creditobsessed12 wrote:
Hello Everyone,

As some of you may know because I shared my contact with many of you, Synchrony bank agreed to remove all the late payments on my two PC Richard accts. The accounts were both closed almost two years ago. I received a letter stating that they would be willing to remove all derogatory informatiom from my credit file on Feb 4, 2014. I have been waiting and waiting for them to update my file and nothing has been done. I spoke to my contact at Synchrony and he confirmed that all lates were removed from both accounts and that I should consider opening a dispute in the meantime to expedite things. Well I opened the dispute at the beginning of March and I sent the letter to the bureaus. I just checked my EQ file and it looks like the status of both account was updated on 3/30 and the lates are still there. EQ will not remove the lates unless they get confirmation from the credit bureaus. The only one that was willing to remove it upon reviewing my letter was TU. I contacted my contact at Synchrony again and asked if maybe he could send me a letter outlining the months that they are willing to remove and hopefully the CRA will use that. He doesn't understand why the accounts are still not updated. He said that they should have been updated when the statement of the closed account was due to push out but it never happened. Can someone help me? I am running around in circles.
File a CFPB complaint on EQ, submit your letter to them stating what they were willing to do. Good luck

http://www.consumerfinance.gov/complaint/

Awesome I will submit it! Question does this mean they will hard pull my credit if I agree to this:

I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint.

Re: Synchrony Bank GW Issue

RaiseMyScoreASAP — Tue, 31 Mar 2015 19:21:08 GMT

I have found that the credit reporting of SYNCB to be incorrect, their agents to be most unhelpful and the response from their corporate offices to be pathetic and automated. (Long story short--SYNCB replaced two damaged cards for me by opening two new accounts and closing the two original accounts.) I can't imagine on dealing with them to get anything substantive resolved when they are unwilling to resolve a problem for me that THEY created.

Re: Synchrony Bank GW Issue

Creditobsessed12 — Tue, 31 Mar 2015 19:26:02 GMT

@RaiseMyScoreASAP wrote:
I have found that the credit reporting of SYNCB to be incorrect, their agents to be most unhelpful and the response from their corporate offices to be pathetic and automated. (Long story short--SYNCB replaced two damaged cards for me by opening two new accounts and closing the two original accounts.) I can't imagine on dealing with them to get anything substantive resolved when they are unwilling to resolve a problem for me that THEY created.

I would have to disagree. The person that I talk to at Synchrony is really nice. He has tried and is trying to actively help me. I think it's the credit bureaus.

Re: Synchrony Bank GW Issue

gdale6 — Tue, 31 Mar 2015 20:08:44 GMT

@Creditobsessed12 wrote:
@gdale6 wrote:
@Creditobsessed12 wrote:
Hello Everyone,

As some of you may know because I shared my contact with many of you, Synchrony bank agreed to remove all the late payments on my two PC Richard accts. The accounts were both closed almost two years ago. I received a letter stating that they would be willing to remove all derogatory informatiom from my credit file on Feb 4, 2014. I have been waiting and waiting for them to update my file and nothing has been done. I spoke to my contact at Synchrony and he confirmed that all lates were removed from both accounts and that I should consider opening a dispute in the meantime to expedite things. Well I opened the dispute at the beginning of March and I sent the letter to the bureaus. I just checked my EQ file and it looks like the status of both account was updated on 3/30 and the lates are still there. EQ will not remove the lates unless they get confirmation from the credit bureaus. The only one that was willing to remove it upon reviewing my letter was TU. I contacted my contact at Synchrony again and asked if maybe he could send me a letter outlining the months that they are willing to remove and hopefully the CRA will use that. He doesn't understand why the accounts are still not updated. He said that they should have been updated when the statement of the closed account was due to push out but it never happened. Can someone help me? I am running around in circles.
File a CFPB complaint on EQ, submit your letter to them stating what they were willing to do. Good luck

http://www.consumerfinance.gov/complaint/
Awesome I will submit it! Question does this mean they will hard pull my credit if I agree to this:

I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint.

I have never heard of the CFPB doing a HP, if they needed to verify something with your authorization it most likely is a SP.

Re: Synchrony Bank GW Issue

Anonymous — Tue, 31 Mar 2015 20:14:28 GMT

@RaiseMyScoreASAP wrote:
I have found that the credit reporting of SYNCB to be incorrect, their agents to be most unhelpful and the response from their corporate offices to be pathetic and automated. (Long story short--SYNCB replaced two damaged cards for me by opening two new accounts and closing the two original accounts.) I can't imagine on dealing with them to get anything substantive resolved when they are unwilling to resolve a problem for me that THEY created.

Glad I'm not the only one - I have 4 Wal-mart card entries (with oddly overlapping dates) for a single card I had for +/- 6 years. SYNCB has been a pain.

Re: Synchrony Bank GW Issue

Anonymous — Tue, 31 Mar 2015 20:43:22 GMT

I agree with Gdale... submit a CFPB compaint regarding Equifax. I am really happy that you have recevied the Goodwill from Synch that you have requested.

It is hard to wait so long when we finally reached someone that has agreed to help.

Good Luck!!!!

Re: Synchrony Bank GW Issue

Creditobsessed12 — Fri, 03 Apr 2015 02:40:54 GMT

I just received the results of my equifax investigation and I am confused. I was told a million times on the phone that the creditor confirmed the lates on my account and even though I sent a letter from the creditor they were unable to update my credit file. Ok fine. Now I received the results and it says historical information was deleted from this account yet they still have the months that I was late listed under the account. I think this is worse. They removed all my good history and kept the bad history. Someone HELP!!!!!

@Anonymous wrote:
I agree with Gdale... submit a CFPB compaint regarding Equifax. I am really happy that you have recevied the Goodwill from Synch that you have requested.
It is hard to wait so long when we finally reached someone that has agreed to help.
Good Luck!!!!

Re: Synchrony Bank GW Issue

Creditobsessed12 — Fri, 03 Apr 2015 13:34:49 GMT

The strange part is that I check credit karma and now I'm not showing any lates on there but ALL my historical information was deleted. Why do they do this?

Re: Synchrony Bank GW Issue UPDATED

Horrace36 — Fri, 03 Apr 2015 14:15:19 GMT

Please PM me with your Synchrony contact number. I can't get a human on the phone. Thank you.

Re: Synchrony Bank GW Issue

gdale6 — Fri, 03 Apr 2015 17:58:31 GMT

@Creditobsessed12 wrote:
The strange part is that I check credit karma and now I'm not showing any lates on there but ALL my historical information was deleted. Why do they do this?

Post it for us to see after you redact personal info. If the payment history was deleted then the individual lates should be gone.

Re: Synchrony Bank GW Issue UPDATED

jony — Tue, 19 May 2015 21:35:10 GMT

Can you please PM me the synchrony contact details.

Thanks

Re: Synchrony Bank GW Issue UPDATED

corymhoward — Tue, 30 Jun 2015 18:28:59 GMT

Please send the info to me as well

Re: Synchrony Bank GW Issue UPDATED

LoveGoodCredit — Mon, 07 Mar 2016 00:12:56 GMT

Hello, can you please send me the contact information for synchrony bank? I have been getting the run aournd for some time and I am trying to get a paid charge off removed. Thank you!