Date Received: 2023-11-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have filed multiple complaints with customer service, including one through CFPB, but received the same response each time. It seems to be my word against Synchrony Home Company. I missed a promotional period for 0 % interest because I never received any E-statements via email, despite their insistence that they were sent. Even though I'm enrolled to receive electronic statements, I haven't received a single one, and I can't view them on the web portal. I provided print screenshots as evidence, but they disregarded it. I also didn't receive a statement in the mail because, as expected, I'm enrolled for e-statements. After missing the promotional deadline, I requested copies by mail, and they sent them. However, my claim was denied, stating they investigated and found statements were sent to my email. I checked all folders, but nothing. Three months later, the issue persistsI can't see my statements on the portal, and I'm not receiving them. Recently, customer service acknowledged the problem, admitting they didn't send the e-statement or sent it late. It appears the company deliberately avoids sending statements, leading to additional payments due to their mistakes. I caution others to stay away from this company, as it seems they may intentionally withhold statements to prevent customers from tracking payments, resulting in higher interest and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I mailed them numerous letters to their publicly provided address according to UCC 1-102 Notice and Knowledge XXXX to Synchrony Bank ( XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX, which is still available for pick up XX/XX/XXXX to Synchrony Financial c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, never picked up XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX XX/XX/XXXX at XXXX ; XXXX XXXX XXXXXX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX XX/XX/XXXX at XXXXXXXX XXXX XXXXXX/XX/XXXX to Synchrony Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX sent certified letter XXXX XXXX XXXX XXXX XXXX rescinding part of my security agreement to Synchrony Financial Legal Depart c/o XXXX XXXX still in transit XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX was delivered XX/XX/XXXX XXXX XXXX called XX/XX/XXXX letter not in system XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was delivered XX/XX/XXXX XXXX XXXX, called XX/XX/XXXX left message, nobody returned my phone call XX/XX/XXXX to Synchrony Card Funding c/o XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, called XX/XX/XXXX mailbox full I asked for a debt validation for my consumer account and my consumer transactions, and their accounting according to GAAP, the public and private side ( transactions on the secondary, stock market or international market ). I need a couple of questions answered, and I have a right as a federal protected consumer to do so, Is my Debt valid, or has it already been paid for through the Treasury via Bonds, T-Bills and T-notes on the Primary or Government Market. Does Synchrony Bank ( or any other financial institution ) gain access to the Treasury window through my signature, name and social security number? Are they Security Transfer Agents? What does it actually mean when I signed over my security rights and giving Synchrony Bank the right to transfer? Does this deprive me of lawful income and the IRS of lawful taxes? Did they furnish me with all the relevant and necessary information to make an intelligent and informed decision concerning this matter? Was everything displayed in a conspicuous way for a reasonable person to notice and understand? Does Synchrony Bank actually have money of substance to pay for anything, or is there no money, and we live in a credit system of charge and discharge. ( 18 USC 8 and HR 192 march 1933 )? What is the meaning of IRS code that income consists of stocks and property? What are the function and responsibilities of their XXXX XXXX XXXX XXXX XXXX and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the The Securities Exchange Act of 1933 which regulates newly issued securities, such as those being sold through an initial public offering, and the Securities Exchange Act of 1934 which regulates securities that are already being actively traded on the secondary market, and the Trust Indenture Act of 1939? And why are they all signing in accordance with those acts? Is the Statement ( nowhere on the letter they are sending me does it say Bill ) actually a dividend check ( bottom part ) and bond ( top part ) of a T-Bill that was traded on the Primary or Government Market from a bond that was created by the Treasury to raise funds? Is Synchrony Bank getting paid from the Treasury on the Primary or Government market ( National Market ), that then develops a CUSIP number to be traded as a stock on the Secondary or Stock Market? Is Synchrony making money selling my contract/debt on the Secondary or Stock Market ( International market )? Is signing over my security interest and transfer rights rob me of income and the ability to discharge my debt obligation. XXXX percent principle meant as my income source, 20 % their servicing fee? Why are all my statements in a positive balance? What is the meaning of 12 CFR 1026.11? UCC 3-104 These statements/securities with a monetary value are negotiable financial instruments unless it explicitly states on statement that it is not a negotiable instrument They are considered foreign liability companies, initially registered in one State like Delaware and headquarters in another state, and are therefore not required by the SEC to report their trades. All international trade is governed by the Unifo rm Commercial Code. Are they in compliance, or are there violations? I have sent all of them stamped ( 31CFR 328.5 and 328.6 ) securities ( statements ), and have not received an answer. Are they not accepting securities as payments, why are they not returning them then? Isnt that a violation of UCC 3-603 ( I am holder in due course of this financial instrument/security/ bearer bond ), and UCC 3-604 ( discharge by cancellation and renunciation, which discharges debt when you dishonor payment by not accepting it )? They have a duty to manage all financial instruments according to The Exchange Acts of 1933 and 1934, the Indenture Act of 1939, and the UCC. Are there in compliance by ignoring me, and not answering my questions, and disclosing the necessary information. Synchrony Bank/Amazon has an arbitration clause in their credit card agreements, but they went straight to suing me because I am asking questions, this is unlawful. I have a right to ask questions and to change my mind. I have since then sent a registered letter to their legal department changing the terms. I believe now that the principal of 80 % of this consumer transaction is lawfully mine, and they are entitled to a 20 % servicing fee. Synchrony Bank, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are all foreign liability companies, that are being publicly traded on the stock market ( I pulled all their XXXX K, XXXX K and T XXXX forms ). They are governed by the Securities Exchange Acts of 1933 and 1934, the Indentured Trust Act of 1939, the UCC and FINRA. These are a few questions, and there are more that I have, and need answers to in writing only. I understand now that I gave them implied consent by paying their statements, and participating in their automatic payment programs. But it was definitely not informed consent, I never had Synchrony Bank or any other bank tell me in detail, or inform me about all my rights and options. I have come to this consumer transactions in good faith that all information would be disclosed to me for me to make an informed and intelligent decision. I have committed the crime of not reading, but I am reading now and I have questions that need to be answered. I have nothing against Synchrony Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but according to 16 CFR 433. 2 ( Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER ), which means they are all liable. I still would like to resolve this matter amicably. I have been in constant communication with them, and they have not answered my questions. I am open to a fair resolution for All. But to just ignore me, and now to sue me without offering me arbitration is against the law. All my transactions were consumer transactions for private and household expenses only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Received emails from Synchrony Bank about me calling in for replacement cards which I did not. That started the process with having new cards sent to me over a month ago. So far I have receiving one of 4 cards ( Different Compaines ). Today I checked one of my accounts and i find where there are charges which I did not make. Again I requested the cards to be sent to a secure mailing address and for the 5th time I am haveing to verify who I am by sending in a copy of my DL and video of me. But now they want it all to be mailed to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50315
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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: Sam 's Club is charging me a membership fee that I no longer wanted. I sent them an email regarding that I no longer wanted the membership that I closed my account and to please make note of it. I closed this account XX/XX/2023. They are continuously charging me for late fees and ruining my credit score. I had also called them and they had me file a dispute, which I did. I no longer wanted this membership because it was not worth us visiting Sams. We may have made XXXX visits to the store in a year XXXX?. I need this taken care of because no one seems to care!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Informed Collection Company that since I am XXXX and on only Social Security XXXX that I am no longer collectable. Collection account is continuing to be " Sold '' to other companies after being informed of my collection status. XXXX XXXX, XXXX account information, same amount!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have account with synchrony bank accounts go down but one care credit at present it is up to over XXXX with all the fees they add I have not used this for his long and it should not be this high I talked to them today an XXXX and they will NoT work with me. Unless they do I can not afford to pay this card since they keep adding fees and the card amount is going up. Why pay on it I am getting no where
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have not supplied proof under the of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36265
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I called the company and explain my situation, when i called, got transfer to the supervisor, i advise the supervisor that i was recording the call also, she did not like that and told me that i did not have her permission so i replay for her not to recor me also. she got mad and said that i was requesting not to have any telephone comunications, which is not true, i just said that i did not authorize to be recorder.. she got mad and hang up on me. i received an emails saying that they will honor my request to stop phone communications which is a TOTAL LIED!!!! I cant make my payments at this time and i need help on their end but they are setting me up to fail by not helping me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no idea why this company had the authority to post on my credit report with no clear details about what it is about and why are they posting on my account. I never had an account with them. And they have the audacity to back date it to XXXX?? I am a victim of identity theft and investigation is still underway. XXXX confirmed creditors will not be able to impact my report nor post on it. And they will inform the other XXXX agencies. However, this synchrony bank not only impacted my credit score they also predated the amount. With no clarity on who they are and why they are posting anything without permission at all. My identity is verified over and over, in great, it these hackers, bad businesses, random accounts and creditors are able to modify and manipulate anything to steal my money without so much as a notification sent to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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: XXXX sent me a email saying that they refund my money for {$330.00} and when I try to upload the email Paypal tells me that the dispute for the amount of XXXX was not on the account I did a dispute with symphony bank and they fail to help me with my refund they say they got it open but its not on my accounts saying the dispute is open but they had a dispute open for the amount of {$31.00} which I did not open that one I asked a them to open a dispute {$330.00} thats been going on since XX/XX/2023 I sent Proof by mail they say they did not receive it I sent Proof by Fax they said they did not receive it I spoke To Customer Service at the bank and she said That the dispute was open and I asked her why its not on the account showing that Im just trying to get my refund that XXXX sent to the bank and they is not Given me no help to locate my refund Its like they dont care just give me an Run around and thatll make no sense its supposed to help me now I have to try to send my proof over again I just want my refund I get to the bottom where is it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A