Thank you guys for pushing me to continue to get to the bottom of this. I've spent the last few hours digging, making phone calls and I think I may have found something.
Based on the decline which indicated I have a past or current delinquincy with Synchrony, I followed this flow
- Called the Fraud department, they said they had no mechanism to explain why a credit decision was made. I explained I needed them to tell me what Synchrony account shows the delinquency. They transferred me to customer service.
- When I spoke to the rep, they were working from canned scripts, couldn't tell me anything.
- I tried the online chat. They were working from canned responses
- Called customer service again, this time for the Care Credit card. This person was kind enough to look up all of my accounts by my social. They reviewed some but did not have access to all. They passed me around in transfers to other departments where they did the same.
- I finally reached someone who rattled off a few other accounts.. Walmart, ToysRUs and JC Penny.
I recognized the old Walmart and ToysRUs cards, closed them out about 6 years ago. What I did NOT recognize what the JC Penny card.
I called the number they gave me for JC Penny and when I entered my social, it immediately transferred me to a collection department. I tried to inquire about the account and explained the situation. They said they needed to verify two pieces of information but since there was no birthdate on file, no phone number, and my addresses didn't match they could not provide me any additional information.
I had them transfer me back to the fraud department and I gave them everything detail I had and opened an investigation. Looks like I was the victim here at some point of identity theft! I am interested to see how quickly they can resolve and I will keep everyone posted. It's not on my credit report, never has been. So seems like someone opened an account in my name, burned the card off and left it to default. They would not tell me how much or when, but they said I should receive a letter with the investigation results in the next 10 days.
This looks to be the culprit with my situation. I wish they had looked at the other 4 accounts, gotten a contact number and called me since my history with them shows I don't treat my accounts this way 
@Anonymous wrote:
I don’t know whether it’s good or bad but I don’t know if the results are reliable because the other thread I read, every time he did it, there was a wild swing.
I am probably the person you are referring to from the other thread. My determination was that the "unenroll/enroll" trick wasn't reliable for VS4 even though it was reliable for FICO. After Synch switched and provided DP for a few months, their once a month pull seems reliable and closely matches VS3 from other sources. I've since stopped doing the trick, and after reading this thread for the first time today... WON'T BE DOING IT AGAIN!!!! 
It looks like we may be uncovering a different possibility of the closures with the recent fraud discovery, but I'll throw in some info below about the VS4 scoring in case this happens to be a factor as well. Perhaps Synch is seeing something funny with this new system and reacting to what they see, but I would imagine they would first evaluate and compare results using this system before pulling the AA trigger like they have recently.
My DW Synch account is the one I was testing, as we did a PFD on a medical collection recently along with paying down some holiday spend on a 0% intro CC. Those items gave us the uptick on the VS3 chart (courtesy of CK). That wild upswing on the Synch VS4 chart is the manual trick. Other times (some daily), I would see wild 20 point swings up and down. I doubt the 778 VS4 score is accurate and will most likely drop significantly later this month when Synch publishes their monthly score.
I don't have a current TU FICO score for my wife as a comparison now that Synch switched to VS4. I do have current TU FICO scores for my account though, and it has been rock steady @ 740 for many months no matter what I do with UTI. CK's VS3 and Synch's VS4 are pretty similar and react similarly.
