Date Received: 2023-11-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX I received my monthly statement and noticed they reduced my credit limit from XXXX to XXXX. I am currently in a special free interest until XXXX. My balance is XXXX. I called to ask why and what triggered this because I have never been late with a payment they stated it part of the terms. O have had this card since XXXX and never had this happen but I was never in a free interest program for a purchase either. I checked my credit and no inquiry was done by the company so it appears they reduced the limit so if I don't pay it by the end of the special program they can then charge me over the limit fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opens a line of credit using my information on XX/XX/2022. The line of credit was opened with SYNCB/PAYPAL, thus incurred a hard inquiry and credit limit of {$3900.00}. I've contacted XXXX about that fraudulent activity in which they said a dispute and a report to the fraud department will follow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX I came to the XXXX XXXX XXXX XXXX XXXX to see about getting my smile corrected. I filled out the application with the pay to the order of : XXXX XXXX XXXX XXXX and I signed my name along with my social security number to have procedure paid in full. I discovered on XXXX that XXXX XXXX XXXX conducted a soft pull on my credit report without my knowledge or consent. The date of the transaction was XXXX before I filled out the application which is odd to me. I spoke to a representative of clear choice on XXXX about this situation and he denied that this transaction even took place, He also stated that the only way that can happen is if I asked for funding which I did not. So I made sure I received a copy of the application before I left that day. I sent a letter asking for documentation of the authorization for this transaction that took place and no one has responded to me. I recently had an appointment on XXXX and I was asked about how I was going to pay for the procedure. I had to do an application for Care Credit and my application was denied without reason. Once I signed the application and stated pay to the order of : XXXX XXXX XXXX XXXX XXXX, I was not supposed to be asked about more payment, especially {$35000.00} worth of payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased the product on XX/XX/XXXX in the amount of {$280.00} and I didnt receive a tracking number information so I filed a dispute with paypal but I received items so I paid {$280.00} and requested to cancel my dispute. Then paypal already gave me a conditional credit of {$280.00} resulted in my credit card balance became negative $ XXXX. The dispute case was closed so they take this conditional credit back so my balance became XXXX on XX/XX/XXXX. However, the merchandise told me that the dispute was still open and {$280.00} is not released to the merchandise so i contacted PayPal and PayPal told me to contact PayPal cashback XXXX by Synchrony bank and told the bank to notify PayPal to close the case ; however no matter how many times i told the synchrony PayPal XXXX to tell PayPal, the case was never closed and is still active as of today. I kept telling/calling PayPal XXXX numerous times to close the case made them close the same dispute case twice and they charged me {$280.00} again after they adjusted to charge me {$280.00} which resulted in my credit card balance is {$280.00}. I called PayPal XXXX to fix this error but on the contrary, they charged me another {$4.00} which made my balance went up to {$280.00}. Upon calling PayPal XXXX by synchrony bank, the representative told me he had no idea where did the extra {$4.00} come from as this amount hasnt seen anywhere in my account activities. It seems to me that PayPal XXXX never notify PayPal to close the dispute case and on top of that, they charged me redundant another {$280.00} charge on me for nothing, plus $ {$4.00} and it seems to me this would never resolve by contacting PayPal XXXX. I need help. I called more than 50 times and they still dont solve this problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up for account activity text & email alerts on XXXX at XXXX. I still have not received any account alerts. I spoke on the phone with a representative who said they escalated the problem to the XXXX department, but my account is still not working properly and I never received any further correspondence about the issue. It seems no one at Synchrony can understand the problem, much less do anything about it. Very frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Since XXXX, XXXX to today XXXX XX/XX/XXXX, I have not been able to access my savings account with Synchrony Bank XXXX I went through several bankers and tried everything suggested. I can access the website even though when I try to access my account, I receive " This site can not be reached and might be temporarily down or may have moved permanently to a new web address ''. I have lodged a complaint with the Connecticut Attorney General today. It is very important that I be able to access my savings. Can you help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86326
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
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 reduced from {$1800.00} to {$100.00}. I have never been late on a Synchrony bank credit card. The reasons given were lack of real estate, too much revolving debt, credit limit maxed out, delinquency. I own a home My credit limits maxed out are those Synchrony reduced. Amount of credit and delinquency was there when the account was given to me. So ok to have it then? But not now?
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
Date Received: 2023-11-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Sleep Number Credit Card with Synchrony Bank. Payment is made monthly on time and for an amount greater than the minimum amount. Payments are due the XXXX of the month.. In XXXX, payment came in 1 day late due to XXXX XXXX weekend. For this 1 day late Synchrony has charged : -Charged {$30.00} in XXXX for late payment -Charged another {$41.00} dollars for late payment in XXXX even payment was on time and above the minimum. -Charged another {$41.00} dollars in XXXX for late payment even payment was on time and above the minimum. Synchrony offered to reduce some of the charges, but I refuse to pay any of these charges as I have paid on time and above my minimum payment every month. This is usury.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 I was making a purchase at the Belk ( XXXX XXXX XXXX, XXXX, SC XXXX ) in the men 's department with my existing Belk Mastercard. The cashier said she could upgrade this card for an additional discount on my purchase. She specifically said the upgrade would be without any changes to my existing card- it was simply an additional discount. All I had to do was press here, enter that and I would receive the new and improved upgraded card with the same account number ( she said ). I specifically asked if I was applying for a new credit card and she told me I was not. Clearly this was a sales/marketing ploy and a direct lie. What happened was a hard credit inquiry and new credit card exactly like my existing card - no upgrade. Now I have XXXX of the same type of account and a new credit inquiry/account which I promptly closed. This is a blatant deceptive marketing practice and should be stopped. I submitted a complaint with the company - no response. I submitted a complaint with the FTC, and now this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have XXXX accounts with synchrony bank. XXXX for a sewing machine purchase and XXXX for Sam 's Club. in the last month I have tried daily to sign into the website to make a payment. The site continues to say it is having problems when I sign in. I have tried calling the number on both cards and only get a telco intercept with a long and complicated phone tree. Twice in the past week I have attempted to contact through the website by filling out surveys, surveys because there is no e-mail address available. In the past I have made a payment through my bank and bill pay. It shows up as having received the payment transfer but does not show up as a payment made and there is a service fee charged for a late payment. Payments show as paid only if paid using their website. My web browser is up to date on its operating system. In searching the the internet for possible solutions it is noted that there are multiple people who are having the same problem after a certain number of months, and paying additional fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A