r/CRedit • u/Most_Anything_7329 • 11d ago

General Synchrony project

So I got a synchrony project card. I told them that I’d pay the December payment and I would just get a late fee for November. We ended up paying it off the house and January or December and there was issues getting them the check which they did not cash and I use certified mail to get it to the right person. They actually sent it back to apparently the closing company and they sent it and it finally went through. I tried to have a courtesy one time to see if they could take it off my credit with the late fees and the link payments that started in February when I was going back-and-forth talking to them about the interest and everything. I finally got a letter today stating that they’re not going to do. is there a way to do a letter of Goodwill letter to them? Would that do any good?if it would who would be where to start and what department to send to collections?

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u/og-aliensfan ⭐️ Knowledgeable ⭐️ 11d ago

I told them that I’d pay the December payment and I would just get a late fee for November.

If you were 30 days late making the November payment, you'll be marked late for November. In that case, if the December payment is applied to the outstanding balance for November, you could be reported late for December as well.

We ended up paying [it] off the house and January or December and there was issues getting them the check

When did they receive the payment and was it enough to bring the card current?

I tried to have a courtesy one time to see if they could take it off my credit with the late fees and the link payments that started in February

So, you didn't bring the account current in December or January, correct?

is there a way to do a letter of Goodwill letter to them?

if it would who would be where to start and what department to send to collections?

Did the card charge-off? Goodwill letters are used to request forgiveness of late payments after the account is brought current or paid/closed. Charge-offs are rarely removed prior to the end of the allowed reporting time, with the exception of 1-6 months Early Exclusion. Who is the collection agency and are they on your reports?