Date Received: 2023-11-25
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Fraud charge of over {$600.00}. Dispute was resolved but in the process another card was opened without my authorization. Im told it has a balance and was closed because the balance was unpaid. I can not get any information from Synchrony about the matter. Their customer service is the worst I have ever experienced. They never leave voicemails when they call, so I dont ever know what they are calling about. They have no clear records of prior interactions, so I talk to someone new each time who has no info or incorrect info and continue to be transferred without getting to anyone who can answer my questions. A supervisor said they couldnt talk to me because I needed to talk to the recovery department. I had just spoken to the recovery department and was transferred back to them. Im an honest customer trying to make sure I have my balance correctly paid and have excellent credit. I should not have to go to such lengths to resolve a fraud dispute or ensure my balance is paid off or to get a straight answer about how many accounts are open to ensure there isnt identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Either Synchrony Bank or XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And Synchrony XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX are reporting a debt of {$600.00} owed. When I sent letters to validate, called to get more information and tried to contact you to make arrangements to take care of this obligation and to have it removed from all three credit bureaus with no response, not even to validate. I have never received communication about this in writing upon request. I would like something in writing that shares how you would be willing to delete this negative account from my three credit bureaus if paid in full. Please send it to me via email preferably to XXXX or by mail. This negative mark on my credit report is causing my credit to decrease, and I am trying very hard to qualify for a home. Please give this matter the attention it deserves. I believe that if you are to make negative marks on my credit reports that you should also be amendable to making arrangements to address the matter and remove the damaging marks for the three credit reports. Please get back to me as soon as you can. I am also sharing this with the Consumer Financial Protection Bureau to investigate as I believe that is your responsibility to work with the consumer and not ignore attempts to rectify the situation. When I spoke with your representative XXXX at XXXX ( XX/XX/XXXX ) I was reaching out to try and work on negotiation the payment and removal and he shared that the account was no longer valid. Yet, it still reports on all three credit bureaus. I spoke with XXXX on XX/XX/XXXX and he shared that the only accounts I have open at this time are the ( XXXX ) XXXX and XXXX XXXX in good standing and he only had listed no balance on both of those accounts. He mentioned a XXXX and XXXX XXXX but did not share an account number or was willing to make any arrangement for an account that did not exist. He stated that the Date for XXXX was XX/XX/XXXX. As I look at my credit report, this seems to be the obligation that is lingering and your company will not address it with me, will not validate, will not communicate on the obligation and will not return letters wanting to work together to have it settled, paid and removed. Please contact me ASAP upon receipt of this letter. I believe that it is not within your right to ignore my attempts to try to work on solutions to this issue. Thank you XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I bought a XXXX from XXXX XXXX XXXX XXXX XXXX XXXX had a financing plan with XXXX, which issued the credit card. The financing was offered by XXXX. 2 years no payments, then payments. The 2 years ended in XXXX. I was switched to automatic payment in accordance with the plan. Because the loan was not paid in full, XXXX is now charging me about 30 % interest for over two years. XXXX says that if I paid off the loan two weeks ago, in XXXX, there would have been no interest. I just called XXXX and said I would pay off the loan in full now but did not want to pay interest because that was not was said to me. XXXX refused. The interest costs nearly as much as the XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up for Care Credit to pay for some dental bills. They automatically enrolled me in paperless statements and never told me Id be hit with the full interest if I didnt pay it off in time. It was always advertised as 0 %. I just was hit with a charge for {$500.00} in interest when I had less than 2 months left to pay off the {$400.00} remaining balance. There was no heads up, email, letter, or phone call to let me know this would be expiring and that Id be hit with this huge fee. I would love help resolving this as everyone Ive spoken with says there is nothing they can do!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have NOT heard one word from HSN or the Synchrony Bank regarding tthis matter.! THE QUESTON STILL REMAINS WHERE ARE ALL THE PAYMENTS THAT I DID FAITHFULLY MAKE EVERY MONTH? I sent all of the information to a woman by the name of XXXX and have not heard one word from her! OR HSN, OR Synchrony Bank I work very hard to keep my payments up not only to HSN but to QVC as well. ALL I WANT TO KNOW IS WHERE ARE THE PAYMENTS I DID MAKE, THIS WOULD INCLUDE THE MORE THAN {$720.00} THAT I HAVE MADE IN XXXX? IN ADDITION TO THIS IT COST ME {$60.00} TO HAVE MY BANK COPY MY STATEMENTS AND Have them sent XXXX @ HSN. As previously stated I did my DUE DILIGENCE! MUCH MORE THEN HSN OR THE Synchrony Bank I JUST WANT TO KNOW WHERE MY PAYMENTS ARE? THIS IS IN NO WAY FAIR TO ME! MIGHT I ADD, THAT HOST ON HSN ADVISE THERE IS " NO INTREST EVEN WITH FLEX PAY '' INSTEAD THE BANK IS RESPOSIBLE FOR THE INTREST RATE. THEY HAVE NEGLECTED TO PROVIDE AN ADDITIONAL {$120.00} PAYMENT THAT WAS MADE TO THEM, ACCORDING TO THEIR WORKSHEET!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open in XXXX of XXXX, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the customer service manager, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on this account. I would like a response in 30 days, in order to proceed with filing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Amazon subscription charged to my Amazon store card through Synchriny Bank monthly without authorization. Charged a {$40.00} late fee each month for {$16.00} prime fee that I was unaware of. Asked for card to be canceled and charges removed. Synchrony Bank says they will not remove charges and card remains open, because I sent dispute info to Amazon address. I believe the prime fee box was checked on something I did not intend and was required to unchecked. This is a sneaky subscription scam
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I am having account issues with : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Contact info is from the XXXX website where they are listed as unaccredited even though they have been in business for 91 years. With a customer review score of XXXX stars out of XXXX, here is my story... First became a customer of Synchrony Bank when I received credit after signing with Discount Tire in XXXX XXXX, building up a credit line of {$2700.00} by XXXX. I have been a Discount Tire customer for over 20 years. In XXXX, I signed for credit at TJ Maxx and received a credit line of {$1300.00} to be used at multiple retail stores connected to this card. In XXXX of XXXX, I signed for credit with Dick 's Sporting Goods and received a {$2200.00} credit line. Outside of my TJ Maxx credit line being lowered to {$1200.00} in XXXX, which was odd, I never had any issues up until recently. About 2 months after receiving my Dick 's {$2200.00} credit line in XXXX of XXXX, my credit limit with them was suddenly lowered to {$420.00}. The electronic communication I received about this lowering of my credit limit spoke about things that have nothing to do with my credit line with this company or how I would be using it since my use of credit that I signed for, affects me and my credit score and not Synchrony Bank. The language of that communication was just like you would receive if you had been straight up denied credit when applying with a less than ideal credit score, using terms like " credit worthiness '' and " too many inquiries '' and " high balances '' etc. These credit lines all required my signature and effect me exclusively with no damage to Synchrony Bank or any other financial entity. Barely a month later, I was informed by the credit bureaus that an account had been closed when I had done no such thing. Upon reviewing the credit alerts I found that Synchrony bank had closed my TJ Maxx account, without even a notice, freezing {$30.00} worth of rewards and further damaging my credit. Now, earlier this month, XX/XX/XXXX, I have been informed electronically that Synchrony Bank has lowered my Discount Tire credit limit to {$2000.00} effectively taking away the {$600.00} I just paid down on my balance over the last couple months. The language of this credit limit lowering was nearly identical to what I received after the Dick 's credit line was decimated. All this activity has effected my credit score adversely with the loss of over {$3500.00} of available credit and rewards, not to mention that my ability to purchase at these stores has been compromised. The only other thing that I must include about the Discount Tire account is the fact that over the last year, two large credit payments that I made were " held '' by Synchrony Bank and though " credited '' to my account, the funds were not made available until 2 weeks the first time and an entire month the second time. Sincerely, A thoroughly dissatisfied customer who has always taken responsibility for his own actions financially, regardless of what scores and bureaus have to say about this human being.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Synchrony bank sent me a letter stating that I owed almost XXXX for a tjmaxx credit card that was in my name, I've tried to dispute it many times. They say the information they have is accurate, but I have no knowledge of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: on XXXX XXXX fraudulent charges by " XXXX '' {$120.00}, {$120.00} and {$4.00}... on XXXX XXXX fraudulent charges by " XXXX '' {$12000.00}, {$120.00} and {$4.00}... on XXXX one charge for {$10.00} by " XXXX '' total of {$510.00} was fraudulently charged to my paypal mastercard. I closed my account in XX/XX/2023 and somehow scammers are still allowed to make charges months later. After investigation the XXXX charges by " XXXX '' of {$120.00}, {$120.00} and {$4.00} were admitted as fraud ; leaving the XXXX charges of {$120.00}, {$120.00} and {$4.00} by " XXXX '' still on my account. My XXXX bill showed the correct amount owed of {$83.00}. But in XXXX those charges totaling {$250.00} were again transfered to my new account. I intentionally did not activate the new card they sent me to prevent further scams. After countless phone calls resulting in wasted hourseach call. On XX/XX/2023 I finally recieved a mailed copy of my account with a balance of {$10.00}. However, in reviewing my paypal account online the balance is now {$440.00} as of XXXX. The fraudulent charges were again added to my account. Current account balance is {$440.00} - XXXX {$190.00}. That is {$180.00} in interest and fees on fraudulent charges. I was " assured '' in XX/XX/2023 thesecharges would be removed but intead more charges are added. ibelieve these fraudulent charges are made by employees or associates of enployees that would have access and knowledge of account information due to me never activating the second card paypal sent me. When I have called paypal and Syncrony bank I get excuses, for the fraudulent charges being added the new account that I never opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A