Date Received: 2023-11-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony Lowes agreed to a pay to delete. The Lowes account is still reporting as a charge-off/ collection and paid for less than agreed. The same account is reporting multiple times on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35023
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted this dispute on XX/XX/XXXX of 2022 with the XXXX XXXX XXXX and despite having a valid reason to remove this from my credit as minimal things like this have affected my life and chances of being able to do things needed to be done to move forward in my life at my age. I tried everything and the company refused to remove this from my report, so this was my last resort even though I did not want to take it this far and Im hopeful your organization will be able to get this settled so I can put an end to this constant worry and issue that shouldve been resolved a long time ago, I appreciate your kindness and helping this regard and please reach out if any more information is needed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ive been using synchrony bank for a mattress firm account for almost 2 years. They do not take the payments owed to them within a reasonable amount of time. They wait 7-10 business days to pull debts owed to them from either an auto pay or paying through their automated payment system. This has cause my bank to decline payments causing me to be late. My original payment amount to them is XXXX a month. I pay XXXX to pay the debt faster. Due to their predatory payment processing policies its caused me to be late 3-4 times. The company did a random account review and has now decided to close my account. Ive called and spoke with their sr account manager XXXX. No one at this company can give me any answers or tell me anything other than Im still required to pay the debts owed the banks finance team can close any account at their discretion the finance team does not have a number for you to speak with anyone that made that decision all calls with the company are recorded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89048
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77049
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I have first reported the problem of not receiving the {$200.00} statement credit that was offered when opening the Synchrony XXXX XXXX credit card. I have messaged them XXXX, XXXX and XXXX. They keep on saying they will forward it to the appropriate department but ZERO updates was given. I have provided them with the screenshot of the offer and ZERO progress is being made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I recently booked a house thru XXXX XXXX from friends. The friends told me they revised the payment amount to a lower dollar. I looked on XXXX and noticed there was no evidence of the adjustment. They still charged me the full amount. I then started looking at some XXXX transactions where XXXX had refunded a portion of the purchases. I see 3 transactions were a refund should have been processes however I was never refunded. XXXX never credited me the refunds. This seems completely unethical that refunds are happening but the consumer never receives them. How is this legitimate money movement or banking praxtices??? I am attaching just 3 images of expected refunds. Now i have to go and see what else is missing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received an email from Synchrony Bank congratulating me on my new card ( related to Walgreens ). I did not apply for a card and in fact my credit is frozen. I called Synchrony to report the fraud on XX/XX/XXXX. They gave me a reference number ( # XXXX ). I am still getting emails congratulating me on using this card. My Wallgreens reward account was hacked- they left my information intact but changed the phone #. I changed it back to mine, then called Walgreens and asked them to permanently delete my account. This was done this morning ( XX/XX/XXXXXXXX ) In my opionion their security is extremely lax. I knew someone was using my rewards account and I reported it to them multiple times, but no action was taken. The user lives in Illinois while I live on the west coast. I tried contacting Synchrony Bank again today, XX/XX/XXXX. I called twice and both times they said the connection was bad and they couldn't help me. There is no way to report this online with their bank. All services are provided to account holders and no place to report fraud other than what I have already done. I have added a fraud alert to my credit report with all three bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: We opened a credit card with Sam 's Club while activating our membership. According to the terms and conditions ( attached ) of the card, we would receive 5 % cash back on purchases with Sam 's club ( as XXXX members ), 3 % on XXXX Stations that accept XXXX, and 1 % on all other purchases. After XXXX weeks we received our first statement where we were ~ {$2.00} short based on the terms above. We called Synchrony bank to resolve the XX/XX/XXXX and the agent issued a {$10.00} statement for our trouble and assured us it would not happen again. We received our second statement today XX/XX/XXXX and were shorted once again. Upon calling synchrony bank ( We have the call recorded via XXXX file if needed ), we were informed that synchrony " does not handle rewards and how they are calculated using the sams club credit card ' by supervisor " XXXX ''. XXXX then transferred us to Sams Club member services as " they would ensure this was resolved ''. After being transferred to the Escalations department, " XXXX '' informed us that " Sams Club does not handle rewards calculations and it is handled entirely by Synchrony bank '' ( We have the call recorded via XXXX file if needed ). I asked XXXX to help us resolve the discrepancy to which she refused and stated we would need to contact Synchrony. Given the clear disparity between rewards to be given and rewards given, it is apparent that at a minimum for our individual account, we are not receiving the funds owed to us per the terms and conditions of the credit card, and are being blatantly misled in an effort to not pay out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SYNCHRONY FINANCIAL XXXX XXXX XXXX SYNCB/PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that these inquiries be removed from my report because were not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A