Synchrony Bank I never received a bill until the account was already charged off. Nationwide

So you stated, "I made some purchases, but I never received a statement from PayPal until several months later, after the account had already been closed and was in the process of a charge off".  Yes those are your own words.  So you know that you made purchases and never received a bill.  After the first month, why did you not call whomever and find out why you haven't received one?  Was it because you were already in a economic hardship and just didn't care?  This is all on you.

My apologies, I didn't know that no one in history has ever gotten a CO removed through goodwill, especially when the creditor is partially to blame and the customer is willing to pay in full. You sound like you've had perfect credit your entire life, and for that I do sincerely applaud you even though you have a repugnantly haughty attitude about it. I would thank you for your tone of civility because you did make some good points, but overt condescension and inane references to baseball can hardly be considered civil.

I believe in taking responsibility for one's mistakes. I offered to pay Synchrony, and that offer still stands. Yes, I would pay them 100% of the amount for a deletion even though I already paid a third party the amount in full. They repeatedly told me that they wouldn't take any money from me. That $736.29 includes a substantial amount of late fees/penalties anyway. The amount I actually used was a good deal less than that.

I'm not the only one to have problems with Smart Connect. They may have improved things now (I don't know if that's the case), but in 2012, their operation for that service was a royal mess. Apparently, I wasn't the only person to never receive billing statements, so it seems to be a common thread.

If I were a creditor, I would at least make sure my customers had multiple, clear ways to pay their bills. I've had many credit accounts, and the Smart Connect account was more confusing than the rest of them combined.

Regarding the other "hiccups" you incorrectly assumed are on my credit reports, there are none. The CO is the only derogatory mark on them. I will concede that I don't know exactly how much damage the CO is doing to my credit scores at this time, but I'm guessing it's not insignificant. Though it may not affect the score a ton at this point, it still looks very bad to creditors.

Regardless of what you try and put out here...the REAL reason your card went to a "Charge-Off" is the following statement...

I was suffering some financial difficulties at the time

- Oh yes you of course "would have" paid at least the minimum...especially when you figured out 4 years later that there is a reason it is called your credit HISTORY.  Yes, of course we all get it that you "could" have been more proactive, you know perhaps a phone call to them.  But we know why you werent' more proactive.  You figured that since they didn't send you a bill you weren't going to worry about it, nor really push the issue.  Probably because you had enough companies coming after you for other money you owed you really didn't want another one.

This Charge-Off is 4 years old, and is still having somewhat of an effect but not a major one if it is in fact paid off and you have maintained an otherwise perfect credit history.  So if you are still having major problems that is further insight that you probably have a few other let's just say "hickups" in your credit that you have failed to mention here. 

When they "Charged Off" your account.  Most likely they sold it to another company for pennies on the dollar.  So the reality is that to put it in a bit of a common frame of reference.."You are dead to them".  So what ever you paid this other company they don't care, nor will give you any "Gold Stars" or "Brownie Points".

As I mentioned your credit report is a HISTORY of your payments.  The fact that you let this account go to a "Charge Off" doesn't change history just because you paid it NOW.  Is it good that you paid it...of course because it removes any ACTIVE collection items.  But they are under no obligation to do so, nor is it a RipOff if they don't.

Now, as I said most likely they sold it.  There is a chance that they didn't actually sell it off to another company but just assigned the debt to them.  It you pay the other company, they still don't get what you paid the other company, and they basically don't care if you pay it or not.  However, in this case if you had contacted them directly(in writing) before you paid offering them to make full payment to them in exchange for the removal of the negative mark. They may have done it.  They may not have, but it would have been a chance.  But after the fact there is no incentive for them to do anything for you.  Because as far as they are concerned you still defaulted on a loan...it doesn't matter if you had 50 other good credit lines with them.  So while your 2 out of 3 and a 67% success rate would be excellent in Major League baseball, it won't even get you a 3rd string backup position in a Minor League team in the middle of the Artic.