Date Received: 2023-11-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a credit line with XXXX and I sometimes use this credit line for emergencies. On XX/XX/XXXX I received several notifications of fraudulent purchases being made on my XXXX credit account and I immediately launched an investigation with the company. It seems that these purchases caused a hard inquiry on my credit which I did not authorize. The purchases are still being investigated by XXXX, but this is now affecting my credit score, which I have fought hard to keep clean.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33936
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony bank has struck again!!!! Now they're slashing credit limits two at a time!. My original credit limit was {$1000.00} now it is {$100.00}. I paid the account regularly and in fact, paid it off. This is hurting my credit and I have no control over it at all!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Another credit card from Synchrony bank slashing my credit for NO reason! Reasons given were inaccurate or outdated. Report sent to them by email with no response. Instead they just slash more and more of my credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have not tried to contact Sychrony bank because they either do not care, their managers are rude and couldn't care less, and they do respond to emails that have been sent. My credit limit on my Verizon Wireless account was reduced from {$800.00} to {$240.00}. I use the card regularly to pay my Verizon Wireless account. It is paid in full every month. Synchrony bank basically left me enough credit to pay one bill and charged the next. Should I thank them????? This is the XXXX credit account they have slashed. They send the same form letter for every credit card. Can they please leave me alone!!!!! They ruining my credit that I am diligently trying to repair!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. Account XXXX : XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I reached out to PayPal/Synchrony Bank XXXX XX/XX/XXXX. I spoke to the fraud department as there were $ XXXX charges on a line of credit that I did not open and did not make charges to. the charges were out of state and some were out of the country. I was told that it was taken care of, but it has not been. They closed my account and I've been locked out of it for over a year, so I have no idea if any additional charges had been made. In the meantime, they sold my account and to collections and XXXXXXXX XXXX is now suing me for {$5100.00}! The court date is set for XXXX XXXX, XXXX! I spent another 2 hours on the phone today with both PayPal and Synchrony Bank/PayPal Credit and after being transferred at least 8 times, I spoke to XXXX, Manager of the PayPal Credit Fraud Department again today, XX/XX/XXXX. His employee ID is XXXX. He said he disputed all of the charges totaling {$5100.00} and that I'd receive a letter in 7-10 days confirming the dispute. The entire process, he informed me, takes up to 60 days! I need this resolved now. This is now on my credit and I'm facing a court date, additional collection fees and possibly a wage garnishment if this isn't resolved. A report has been filed with the Federal Trade Commission for Identity Theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I got a CareCredit card, in order to save my dog, since she needed XXXX XXXX. Ever since, I've paid more than the minimum payment, and it doesn't seem to be making a dent due to the interest rate and service fees. I think that's ridiculous and I'll never be able to pay off the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I opened a credit card through Amazon in XXXX or XX/XX/ with Synchrony Bank. I continued to use my XXXX credit for all my purchases, I've never once used my XXXX credit for anything ever. XXXX has double charged all my XXXX purchases, I've sent them my XXXX credit statements showing the charges, but I still have a debt to them. They have had terrible customer service each time I've called for help, and my issue is still not resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I had a CD that matured XX/XX/XXXX XXXX with Synchrony bank and against my instructions they renewed to a 6 month CD. I have been calling since XXXX XXXX. They kept saying it was in progress. They refuse to allow you to close online and when you call they never provide any confirmation or acknowledgment. I also have a voice message on XXXX XXXX from XXXX of Synchrony bank saying that both CDs have been closed. I also had another CD that matured XXXX XXXX and that was closed properly. But somehow the one for over $ XXXX they refuse to transfer. I called yesterday for the 5th time and spoke to 3 different people and the last manager said they have to investigate. This online CD process with Synchrony bank is very shady as they never provide any confirmation of your request so they can then lie and say they never had it in their notes. I demand my money returned immediately with the higher interest would have earned elsewhere at 5.28 %.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My credit limit was lowered from {$2000.00} to {$300.00}. I was never late and the account remains in good standing. The reason I was given was : Lack of real estate Too much revolving debt Charges up to credit limit Delinquency I own a home. I have the same revolving debt I had when they gave me the account. My charges were not up to my credit limits until they were lowered. The Delinquency is 5 to 6 years old and was in my report when they gave me the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A