In March 2023, I opened a JcPenney card through Synchrony Bank. I had made a purchase and was paying it off on time. In June, I applied through a bank for a personal loan to take care of some emergency auto repairs. I have good credit and got it, however, it was contingent on them paying off the two cards I had. One for JcPenney and one was for medical. The medical one cleared instantly, but the JcPenney one wanted a check. Using the account number on the JCP statement, they had sent them a check for $307, which was supposed to clear the account. A month later, I get a notification from JCP, saying I still owe money, they never got a check. I called the bank that I got the loan from and they said it was received and cleared and they had confirmation. I called JCP back and they asked my bank to send them a copy of the check and confirmation, my bank did that. They told me that they had actually made a mistake and applied the payment to the wrong account, but had no idea where they applied it and could we resend the confirmation and check copy, we did. A few weeks later, they reach out to me again saying I owe them money and that they never received the check copy and confirmation and to refax it. I went to my bank and told them. They faxed them a third time. This time I had them print out a copy of the check and confirmation for myself so I could send it certified mail, if it kept up. They printed what I needed, as well as three confirmations of faxes sent. On that occasion, JCP said they got it and everything was taken care of.

Now during the dispute process from June until October, I was credited the $307 so that I didn't have to make payments. Once it was finished, the balance was $0. December comes around, and I get a notification again that I owe payments and that I have a $307 balance. I called up the first week and they tell me, they found the problem and that it was applied to an old account and that because they misspelled my name it wasn't applied to the new one that was opened when they issued me a new card for the incorrect name. He told me don't worry, I owe nothing. The payment notification was gone. In January, same thing. I call again, and I'm told the problem was during the dispute process. The $307 they credited was double billed, don't worry I owe nothing. I had to speak to someone tonight cause again they want a payment. The person I spoke to was very rude and said honestly, it's not their fault they applied it to the wrong account, it's my problem and just because it says that they were paid, doesn't mean they would clear my balance. She proceeded to tell me they've never received any confirmation or proof of payment at any time. Every time I go through this process, I get dinged on my credit report and I'm at my wits end with them. What are my options with this?