Date Received: 2023-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Un authorized credit inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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: Synchrony Bank Dispute for Defective Merchandise - {$2300.00} Synchrony/Venmo Credit Card I have spent over XXXX hours of my time in attempting to resolve an on-going dispute with Synchrony Bank, regarding a Venmo Credit Card transaction with no success, causing me significant emotional and financial stress as well as impeding business operations due to the preoccupation of my time. At this point, I am interested in suing Synchrony Bank for their apparent malpractice, as they have a legal obligation to investigate my defective merchandise claim, in order to recover the funds that were lost, in addition to recovering funds associated from damages. Detailed account of what happened : On XX/XX/2022, I purchase XXXX back braces from a merchant I found on XXXX. The transaction was processed on my Synchrony Credit card. Unfortunately, I soon discovered that the back braces are defective they breakdown after a few weeks of use. I recorded a video depicting the issue and sent it over to the merchant through XXXX messaging system. The merchant ( which are XXXX and speak very little XXXX ) claimed that I was not using the back braces properly and that there is nothing wrong with them. Frustrated with their lack of responsibility for quality assurance and customer satisfaction, I asked for a refund. They only offered me {$300.00}, to which I refused and stated that I would simply resolve this issue through my bank. Sometime between XXXX XXXX XX/XX/XXXX, I contacted the Synchrony Disputes Department and articulated my issues. On XX/XX/XXXX, I received a full refund of the {$23000.00}. On XX/XX/XXXX, the transaction was placed back onto my account, listed as Rebill/provcr. Confused as to why the credit was reversed, I contacted the disputes department. I was then informed that the initial claim was reversed due to the fact that the merchandise was received. I informed the representative that that was not the issue the issue is that the merchandise is defective. The case has been reopened and closed at least XXXX or XXXX times, each time Synchrony sides with the merchant. In one of the appeals, processed sometime in the beginning of XXXX, I was informed to send in evidence of the back braces malfunctioning. As there is no way to upload a video, I was advised to send in screenshots, to which I did ( see document Screenshots of Defective Back Brace ). On XX/XX/XXXX, I called the disputes department at XXXX XXXX to check the status of my claim. The representative that I spoke with informed me that the claim has been denied, yet again, as Synchrony can not verify if the merchandise is defective or not. I then asked if the merchant has provided evidence to prove that the back braces work fine, to which the disputes representative said no. Essentially, Synchrony Disputes Department is siding with the Merchant based on statements only. Despite my many attempts to resolve this issue with ample evidence ( actual defective products, a video, and the photos and documentation they requested ), they are not willing to protect me against Defective Merchandise, which makes absolutely no sense to me. Any unscrupulous merchant would of course blame the customer and avoid responsibility at all costs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My issue is with Synchrony Networks Bank they charged off an account in XXXX. Issued me a 1099c in XXXX stating I am no longer liable for the debt and that its been cancelled. They still keep reporting to the the credit agencies that I still owe on this account and refuse to allow me to pay off the balance. They told me I dont owe any money but they still wont stop reporting to the credit agencies. I have documentation from the creditor stating the debt cancellation but it hasnt been helpful whenever I dispute this account because they continue to report to the credit bureaus inaccurate information. I would like for this account to be updated to XXXX balance for all three credit agencies and Id like for my creditor to stop reporting on this account. I no longer owe anything to this company. Ive tried to pay and settle and I was denied because the account has been forgiven.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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: This is to confirm that a timely billing dispute was filed on XX/XX/2023 utilizing the Venmo Visa Credit card support number at XXXX. Specifically, this is for the merchant XXXX XXXX XXXX in the amount of {$5200.00} dated XX/XX/2023. The purchase was an initial down payment for my other half XXXX XXXX concerning the merchant obtaining XXXXXXXX XXXX XXXX watches from the vendor. However ; 36 days after the initial posting of the charge, the merchant has not been able to provide a solid concrete date or very close estimate of when the merchandise will be acquired. Attached is email proof sent to the merchant on XX/XX/2023 at XXXX XXXX and XXXX XXXX requesting that the merchant cancel the order. Additionally, attached is the merchant return policy taken directly from the merchant website. In conclusion, no merchandise was ever shipped by the merchant, thus, no return policy is applicable. The only response received from the merchant is in the attached email dated XX/XX/2023 at XXXX XXXX in which the merchant stated : " Hi XXXX, can I call you ''?
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: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I took my cat to the vet and then applied for care credit and synchrony denied me but i submitted the application and I am the XXXX XXXX. this account is prepaid. I can not be denied an extension of my own credits. READ fed reserve act section 16 part one and 2. FR section 29 bill of exchange and 18 usc 8 all debt public and private is obligation of the united states. I am the agent on behalf of the consumer. They are withholding my right to credits and withholding my securities is securities fraud on top of being discriminated against.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no idea about this debt. I almost paid the collector, however upon requesting paperwork from the original debt, the company stated that I wasnt able to access that paperwork until I see a judge, that it would be made available in the discovery packet. I have contacted the company they state I owed money to, and this company stated I have never had an account with them ( I used the social, account number, and name provided to me by the debt collector ). XXXX XXXX XXXX ( XXXX XXXX ) is the company. I requested all transaction and signed paperwork ( that they claim they have ) again today, and was denied until litigation begins. Theyve told me if I pay today, itll be {$1100.00}, but if I dont and request the papers, they wont settle and will request the fill {$6000.00}. I have never even heard of the company theyre stating I owe money to. I have requested that the company stop all collection efforts for a reasonable timeframe ( 30 days ) until the requested paperwork has been received and ample time permitted to review and validate the legitimacy of the debt. The company refused, and actually laughed at my request. They will NOT give me any proof of this debt ( other than a paper from the collection company ) unless I agree to go to litigation for the full amount and all associated court and legal costs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40205
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: This bank has extended several lines of credit to me as a primary or authorized user that was subsequently lowered or revoked in a short amount of time. While this is an allowable practice, I believe this bank abuses the privilege. This practice of Synchrony Bank is akin to predatory lending : it falsely creates a sense of predictable security of economic leverage and, despite good faith practices on the part of the consumer with limited means, closes the account with notice after the fact, damaging the credit rating for no other reason but risk management. This has sent us into a scramble with our household budget. I daresay if this practice were directed to my mother by XXXX XXXX in the XXXX I would not have the education today to write this complaint. Consider the following facts : Note that no late payments were made to any of these credit cards. Belk XXXX XXXX extended XX/XX/XXXX at {$800.00}. Limit reduced to {$370.00} on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$500.00}. Limit reduced to {$250.00} on XX/XX/XXXX, and account closed on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$200.00}. Account closed on XX/XX/XXXX. I am curious how many other families have been injured by this practice. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank regarding their questionable business practices, specifically their freezing of available credit on my account despite making two substantial payments. I believe that this action is unjustified and hinders my ability to effectively manage my finances. On XX/XX/2023, I made a payment of {$4000.00} towards my Synchrony Bank account, followed by an additional payment of {$2500.00} on XX/XX/2023. These payments were made to reduce my outstanding balance and increase my available credit. However, to my dismay, Synchrony Bank froze my available credit instead of reflecting the payments on my account. This too over 2 weeks for this to be reflected on my account. The freezing of available credit despite making substantial payments is not only confusing but also puts unnecessary constraints on my ability to utilize the credit I have diligently maintained. This action by Synchrony Bank hampers my financial flexibility and restricts my access to the credit I have earned through responsible financial management. I strongly believe that this freezing of available credit is an unfair and deceptive practice that goes against the principles of transparency and customer-centricity that should be upheld by financial institutions. It undermines the trust and confidence I have placed in Synchrony Bank as a loyal customer. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate actions against Synchrony Bank for their unfair business practices. I urge the bureau to ensure that banks are held accountable for their actions and that consumers are protected from such unjust practices. I am prepared to provide any additional information or documentation required to support this complaint. Please feel free to contact me at XXXX to discuss this matter further. Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will take prompt action to address this issue and protect the rights and interests of consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Care Credit has reduced my credit limit twice without mailing written notification. The second instance occurred in XX/XX/2023. I faithfully log into my account each month and set up my payments weeks before the due date. Around XX/XX/XXXX, I noticed my payment had not been posted to my bank account so I logged into Care Credit and identified my payment was never submitted. Instead, late fees were applied to my account. I called and Care Credit reversed the late charges. I requested a login history for my account and was told that one could not be provided. Knowing my statement date, I logged in to my account to set up my payment for XXXX and CC had lowered my credit limit. When I called in I was prompted for my salary history ( I refused ). Care Credit uses this tactic to reduce your credit limit so they can charge a higher interest rate and try to force you to apply for a credit limit increase. This is also damaging to your credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have Synchrony Bank credit card which is offered by Venmo. My due date is always the XXXX of the month. On XX/XX/ I made a payment amount of {$8200.00} ( balance of my last statement ) much earlier than due date to bring up my available credit and continue to make purchases with my card. Usually, it takes two days for the payment to be posted. So, today on XXXX, I checked the account and of course the payment was posted and the balance was decreased accordingly. However, the available credit was not increased at all. This has never happened to me. So, I called the customer service and they said that I had to wait for two weeks ( till XXXX ) before I could see the available increase in my credit card as that's their policy when large payments are made on an account. Well, it's not my first time I am making payments like this. My credit limit on this card is {$15000.00}. So, an {$8000.00} payment is not that significant. I have never missed a payment on this card and never had a late payment on it. If I was aware of this policy I would have not made an early payment and I could still use my funds. Why I was not getting a prompt when I made the payment that the available credit would not be there for two weeks. And their customer service didn't offer anything other than saying " that's our policy ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A