You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Over a million locations. They won’t take a payment when they call me 5 times a day because I can’t validate my social. If so where could they have gotten the info to do so from? With one late payment report you lowered my credit score by 93 points. The credit card she would have used to fund the PayPal account is most likely the only one she has active now. Call them at (800) 220-0084 for a free credit consultation. Comment the review as Synchrony Bank verified representative. Most debt collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). SYNCRONY BANK IS RUINING MY CREDIT!! I was 10 days late with my payment and Synchrony bank send a 30 days late notice to the Credit Bureau causing my credit score to drop 26 points. Call the vet and gave them pull the application. For details and eligibility. The account is in good standing and paid every month!! Please call Member Support at (888) 882-9277 or email legal@creditkarma.com. They are supposed to keep them on file for 7 years. If you filled out a paper application the vet is required by synchrony to keep it on file for 3 years. However, it is possible to have it removed before 7 years and you may not even have to pay it. Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit. They can probably let her know if an application was sent in. Synchrony is legit. Credit Karma Mortgage, Inc. NMLS ID# 1588622, Credit Karma Offers, Inc. NMLS ID# 1628077. Looks like you're using new Reddit on an old browser. I’m stuck in a never ending loop. came here to say this... just dispute the debt with the credit agencies, they pretty much have to drop it, https://www.consumerreports.org/cro/news/2015/07/how-to-complain-and-get-results-with-the-consumer-financial-protection-bureau/index.htm Edit: added link. Finally, the site may receive compensation from third-party advertisers. if they wont let you pay it, or correct it, then don't be on the hook for it at all. Credit . Freeze her credit too. It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. thanks- do you know if freezing credit reports affect lines of credit already open? I'm not a huge fan of them but they're legit. I second revcanon. thank you. This is the best advice. See personalized recommendations for ways to use your credit more wisely. 2 If the IRS and/or applicable state tax authority imposes penalties and/or interest on you due to a Credit Karma Tax calculation error, Credit Karma Tax will reimburse you up to a maximum of $1,000 in the form of gift card(s). I did not know about it. All Rights Reserved. Synchrony Bank review with 2 Comments: Join me to put you out of business I have been telling you for months and you did not listen....no it's my turn. In addition to collections, Lexington Law may also be able to help you remove other inaccurate information from your credit report. Tareq. Earlier this year my dog was brutally mauled by my other dog. I've disputed something thats wrong on my credit a couple of times now. Disclaimer: Crediful does its best to maintain accurate and updated information. Now I wont be able to.get the small biz loan I need to survive the corus...and I wont be able to refi my house even though all of my payments are perfect. thanks for the advice and link- she'll be reaching out at her first convenience (closed over the weekend, then working 7-7 mon-weds). For details and eligibility. It happened in the midst of a financial jam for my business so I applied for and was approved for care credit at the local vet office. sue-my-bank-for-ruining-my-credit If your credit has been destroyed and you think your bank or credit card issuer is to blame, you may, in fact, have … About 3 months had passed and I realized that I had never received a statement from them. I have read and agree to the Pissed Consumer. Compare personalized offers for credit cards, loans and more without hurting your scores. I’ve tried redirecting my mail from the old address again and I have not received anything from synchrony or care credit. See how a big purchase can fit your budget with manageable monthly payments. My girlfriend received the following letter today: This letter is in response to your recent request to open a PayPal Credit account. If you find yourself facing any of these situations, you may also want to consider filing a complaint. 2 If the IRS and/or applicable state tax authority imposes penalties and/or interest on you due to a Credit Karma Tax calculation error, Credit Karma Tax will reimburse you up to a maximum of $1,000 in the form of gift card(s). Credit . Synchrony Car Care™ Manage all your car expenses — gas, tires, repairs and maintenance — with one card. https://fortune.com/2020/03/13/paypal-credit-score-drop-synchrony-bank-synchb-ppc/, New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. If your social is indeed wrong they will remove the trade line. However, our web content may be different than the information you receive from a financial institution or service provider. You reported a late payment on my credit through a service that is deducted out of my wifes paycheck. But also file a complaint with the OCC to really light the fire under their butts and show them that you’re not messing around. You do not need to respond to this letter. Join our community, read the PF Wiki, and get on top of your finances! Just got my mortgage provider (Select Portfolio Servicing) to back off on a bogus 60 day late charge report to the credit bureaus that cost me a 100 point credit score drop.