@Anonymous wrote:Help! Long story made short, we had old navy credit card thru gm financial, they then sold to synchrony.Sometime in that transition we got letter saying our request for credit increase was denied (never requested it)and consequently more letters saying we were over our limit.(never over limit, always paid in full) An extra 1000 dollars on card that wasn't our debt, fought with them continually for 3 years that it wasn't our debt and to fix it! They wore us down and we agreed to settle for 1/4th of what they said we owed if they would delete all "late charges" on credit reports.H ave all this in writing!
This happened in January, in February got a letter from synchrony saying they had sold our debt to Portfolio Recovery??
Have called and spoken to many reps at Synchrony and Portfolio Recovery, they take info blah blah and never call back, still receiving letters from PR and credit reports not fixed. Anyone have ideas as to what our next move is?
A complaint to the CFPB, there is no debt once you accepted their settlement.
I would email the CEO of Synchrony Bank which will get your complaint to the Presidents office who will be better equipped to assist you. They are the same people who respond to BBB and CFPB complaints.
