I have been a customer of HSN for years. Synchrony bank collects funds for bills. This past year in the middle of COVID, I missed 2 months of payments. The bills never showed up, so I did not pay them. This was a common occurrence with all of my bills as the post office in my neighborhood was short on staff. I understand this to be the problem nationwide. Each time I got a bill, I called Synchrony and explained that I had just received it and that it was already late. I paid those bills by phone each month when I received them. I thought that creditors were not supposed to disparage customers who were late on their payments due to slow mail delivery. I am still waiting for cards and gifts from Christmas. As a result of this action, my credit score dropped 102 points. I made every effort to pay bills as they came in. I don't think I should be accountable for a loss of mail delivery service. THIS IS THE FIRST BILL I EVER PAID LATE, ever. Last year before this, my credit score was in the 800's. Now its 735. I don't believe this is fair treatment to a person who has had a lifetime of on time payments.