Date Received: 2023-11-13
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony Bank who owns my Amazon Prime Card account has been reducing my credit limit arbitrarily causing my credit score to go down and recently caused a reporting to my credit report that I was over the limit after they applied the high interest to my account. This is not the first time this has happened to me with the credit card. A purchase with Amazon was declined because Synchrony Bank reduced my credit limit from {$1700.00} to {$1000.00} that was my current balance at the time. I pay my bill on-time and it has been setup on autopay. I have no record of late payments on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70123
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I FOUND OUT XXXX MONTHS AGO I HAD A BALANCE OF XXXX XXXX ... I CALL THE COMPANY AND TRY TO WORK IT OUT WITH THEM INREGARDS TO THE INTEREST THEY CHARGE ME... I TOLD THEM I HAD NO PROBLEM PAYING FOR WHAT I PURCHASED BUT NOT PAYING FOR ALL THE INTEREST THEY CHARGE ME WHEN I NEVER RECIEVED A STATEMENT FROM THEM FOR THE PAST YEAR. A PERSON Can't PAY FOR SOMETHING YOU DONT GET A BILL FOR AND DONT KNOW ABOUT ... I ASK THEM TO HAVE SOMEONE CALL ME THAT COULD REMOVE ALL THE OTHER CHARGES THEY PUT ON MY ACCCOUNT.THEY DID NOT, I CALL BUT COULD NEVER GET SOMEONE TO WORK WITH ME ON THE EXTRA MONEY THEY ADDED TO MY ACCOUNT.ALL I WANTED TO DO IS PAY FOR WHAT I PURCHASE .IF THEY JUST REMOVE ALL THE OTHER CHARGES I WILL WRITE A CHECK FOR WHAT I PURCHASE. THANK YOU
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to dispute a billing error related to my account with SYNCB/Care Credit, Account XXXX : XXXX. This dispute is made under the provisions of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. I believe that a significant error has occurred in the handling of my account by SYNCB/Care Credit, as described below : Despite the account being officially closed, SYNCB/Care Credit continues to threaten to report late payments on this account. To make matters more confusing, I have not received any billing statements to confirm the status of the account. My concerns regarding these discrepancies were raised during verbal communication with representatives from SYNCB, where it was indicated that late payments will still be reported, even though I have not received any billing statements or invoices to clarify the account 's status. I would like to request a thorough investigation into this matter, as well as the appropriate resolution as mandated by the FCBA. Furthermore, I kindly request SYNCB/Care Credit to provide the necessary documentary evidence and clarification to address these errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have multiple accounts with Synchrony. After multiple attempts I can not " register '' my account to access online scheduling pay tools
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92653
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I noticed a " Card Security '' charge on my Amazon Synchrony Credit card this month, and did not recognize it. Upon calling the number in the charge narration, I was informed that this I have apparently been enrolled in this program since XXXX - and being paying for it on every statement in which I've had a balance since then. I requested an immediate cancellation and refund. They cancelled the enrollment, but only offered a refund of {$8.00} and change, which is definitely less than what I've paid into this program, even though I never explicitly signed up for it. I have had this card since XXXX and somehow miraculously " signed up '' for this card security in XXXX XXXX XXXX -- which I have no recollection of doing whatsoever. I'd like a full refund of everything I've ever paid into Card Security, since I was fraudulently enrolled in a program I didn't want, never utilized, and never agreed to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have been dealing with XXXX over 20 years, and have a full trust. I do not use any other charge card other than XXXX XXXX ever since. XXXXXXXX XXXX, which I had never heard, deceptively mislead me as XXXX. I never signed any user agreements with the bank.The following letter was sent and following emails have been ignored while they keep sending bills ( now {$370.00} ) :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22182
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Care Credit account with Synchrony Bank and they have not applied all of my payments to my account. I started reaching out to them back in XXXX and they opened up an investigation. They placed a temporary credit of {$3000.00} on my account at the time. After completing their investigation, they informed me over the phone several times ( when I called ) that the result of the investigation was in my favor and {$3000.00} would be applied for my missing payments. They then reversed the temporary credit and stated that the permanent credit/payment would be applied within 1 to 2 billing cycles. To date, the credit still has not been applied. I feel like Im at a loss at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60177
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I opened an account with Lowes. Used the card at the local Lowes store. Never received a bill from Lowes. Received a collection letter from Synchrony Bank who apparently runs the Lowes credit card saying I never paid the bill of approximately XXXX. The charged be twice that amount in late fees. When I inquired with Lowes as to why I never received a bill. They informed me that the e mailed the bill to my email. I never requested e billing. So as soon I I received the collection notice from Synchrony Bank I paid the entire balance. Synchronicity issued a negative report to the credit bureaus that resulted in a dramatic drop in my credit score. I purchased furniture from a local retailer last year and the same thing happened. Turns out Synchony was also the credit card issuer for this store as well. Bottom line is Synchony Banks deceptive practice of forcing e billing on consumers without notification and their aggressive collection reporting is harming senior citizens like myself and needs to be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a Venmo credit card open with Synchrony Bank for over a year. The first time I attempted to use the card was XX/XX/. I discovered that the card had not been activated and had to order a new one. I spoke to representatives from Synchrony Bank several times in the course of this process. I received the new card on XX/XX/XXXX with a credit line of {$3300.00}. I booked a nonrefundable flight and used the card to make a hotel reservation. The credit card company cut my credit limit more than XXXX XXXX on XX/XX/XXXX, to {$250.00}. Now my card does not have enough on it to cover the security deposit for the hotel and I have already booked my nonrefundable flight, a cost I would not have incurred if not for the promise of a {$3300.00} credit limit. I only discovered my credit limit had been decreased when I called because the card was not working.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
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: Dear Sir XXXX Madam I will try to describe my current situation with my only XXXX XXXX XXXX. I must mention that XXXX is not my first language, so please forgive my shortcomings. Recently on XX/XX/XXXX, I spoke over the phone to a customer service XXXX on both of the credit cards regarding a fraud alert and wrong statement balance for charges not authorized or made by me or anybody with authority to charge on these XXXX credit cards by me as a revolving charge with the different services like gym membership, XXXX XXXX XXXX and so forth. So for the most part, beginning on XX/XX/XXXX I responded to a text that was sent to me from XXXX of the XXXX credit cards that I currently use as an alert to some suspicious charges for over a XXXX XXXX dollars that were charged on both of my credit cards. That called my attention. So from a balance averaging under {$350.00} a month to went up to over {$1200.00} according to their numbers. I took care of that thanks to the representatives, first XXXX credit card then the other. That was ok then. But come Saturday XX/XX/XXXX and there I was again disputing charges, except that this XXXX time I could not speak to the XXXX instead I was transferred to their fraud alert department. Customer service representatives for both banks do not work on weekends. XXXX alert representative later hung up on me, because he could not help me based on the fact that on his screen or sheet of balance only disclosed not the charges as they have been originated etc. because the previews account had been transferred over ( on XX/XX/XXXX ) but apparently the charges that I had called about to dispute were there still. He, the person on the other side of the phone could not argue or say nothing about those unauthorized purchases? total confusion and no answers. They both advise me to call back on operating days. And so here I am. Please help. The creditors involved are : 1 ) SAMS CLUB MC BY SYNCHRONY. Phone XXXX XXXX XXXX SamsClub.com/credit Approx.. monthly gym charge XXXX. with a previews total balance including the XXXX membership was {$650.00} according to the spokes person on XX/XX/XXXX Current balance as XXXX is ( - {$500.00} payment ) on XXXX # ending XXXX posted on XX/XX/XXXX and an existing balance for {$610.00} on XXXX # ending XXXX with a transferred balance on XX/XX/XXXX. for {$700.00} I don't recognize?? XXXX XXXX XXXX XXXX XXXX XXXX. Phone XXXX XXXX XXXX www.mypremiercreditcard.com currently disputing a previous balance of {$1200.00} for charges. I do not recognize most charges since the revolving charges for the cellular phone company amounts to less than $ XXXX. plus other charges but due to the lack of accessibility either via app. I can not be as exact as I wish. The current balance on this creditor as of XX/XX/XXXX is {$1300.00} XXXX Apologize for the lack of exact amounts but as I mention above due to the lack of access on XXXX and white paper statements I can not provide with such information. these creditors do not send mail consistently nor their telephone service work as it should since " only provides '' with limited information. That is, it mentions available credit and balance, it does not provide a cycle period Thank you in advance for your time and effort. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A