Date Received: 2023-11-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had auto pay set up to pay my account in full every month. My due date is the XXXX. On XX/XX/2023 paid {$1000.00} through my XXXX XXXX account online and the other remaining {$2500.00} was set up to be paid through my XXXX account automatically in XX/XX/2023 Synchrony only withdrew {$1500.00} and then charged me XXXX in interest! I called and attempted to make phone payments on XX/XX/2023 and XX/XX/2023 for some reason they were not able to put the payments through so I went online and just did it that way with no issues. I tried to get the finance charge reversed and they refused to do it so at this time I have closed all cards associated with their bank resolution I'm looking for is a credit of {$42.00} in finance charge that should not have been charged because of their error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Ok XX/XX/XXXX and XX/XX/XXXX of 2023. I had 5 credit inquiries that I did not do myself. Someone stole my information and opened these cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I tried to make payments using the Mysynchrony App but it stated " We are unable to complete your request at this time. Please try again later. '' I eventually went to through the online portal to make the payment. The online portal also has user interface issues frequently. The payment I made in XXXX showed that it went through. I traveled out of the country on business for several weeks. In XXXX it showed that my account was late. I made the payment and called the company trying to resolve the credit reporting issue with no luck. The last XXXX times my call was dropped while waiting on hold for more than XXXX XXXX mins each time. In accordance with the Fair Crediting Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states that I have the right to privacy. 15 U.S. Code 1681 Section 604a Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b, a creditor may not treat a payment treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On 2 occasions this company collected my payment related to the balance on my account and refused to apply the funds to my available balance. This second time the deceptive business practice caused me to miss other payments made from this account to other merchants. Again I made payments on the account and have had to call the customer support agent - 5 days after my payment posted - in order to get the credit on my account for the payment. This is an unfair and deceptive business practice. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX I got a hard inquiry alert on my XXXX credit monitoring page. It was for a loan or credit application through Synchrony Financial. I called both XXXX and Synchrony and no one was able to help me with who the merchant was nor take out the hard inquiry. Synchrony requested for the Merchant name which XXXX said that they do not have. XXXX requested for a hand written dispute with a notification from Synchrony stating it was a fraudulent inquiry. Synchrony said they are unable to provide this notification without knowing the merchant involved, the Synchrony rep also said she was unable to search using my social security number or any other identifying information from me. We are currently at cross roads on getting the hard inquiry lifted and putting a stop to the fraudulent request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear XXXX XXXX XXXX XXXX XXXX XXXX, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from SYNCHRONY BANK. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: During the national COVID Pandemic, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I ordered goods online that were partially stolen in transit. I attempted to send back what did arrive. I filed a police report and provided it to the credit card company and XXXX directly. I spent months dealing with this case constantly being harassed by phone and mail. I spoke with someone in XXXX who said one department had approved the credit to my account in XXXX of XXXX, but the calls and letters keep coming. My personal credit is at risk and Im tired of receiving calls and letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened an Amazon Store credit card with Synchrony in XX/XX/XXXX. I started to use the card, and made a payment towards my balance in order to free up my available credit to make additional purchases. My available credit did not reflect the payment I made, and so I made additional payments towards the card. After this still did not allow me to get any additional available credit, I contacted Synchrony customer service, who told me that the payments were on hold for 30 days as a precaution to verify that the payments were not fraudulent. Soon after, my account was closed and my rewards points were forfeited. After inquiring, they claimed my account was closed due to suspicious activity mainly these payments I made. I attempted to appeal this decision and sent in bank statements showing that the payments made toward the credit card were from accounts owned by me. These were under review for more than 30 days, and then I received a notice that they would still not be able to open my account. I then requested on XX/XX/XXXX, that the negative balance on my account of {$15000.00}, be returned to me as a refund check. After numerous follow ups, they keep claiming to be reviewing the account and issuing a check within XXXX days. As of today, XX/XX/XXXX, the negative balance is still showing on my account I have not received a refund check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: synchrony bank charges a " payment security fee '' on top of interest in the event of a life illness or event to cover minimum payments. Its basically insurance. The problem is this is AUTOMATICALLY enrolled when you don't make a full statement payment. No notification, no manual enrollment- and the only way you can cancel it is by calling them so they can be pushy and engage in shady sales tactics. They offer other ways of customer service ( chat ) but do not let you cancel that way. My issues are as follows- Deceptive fees and advertisements insurance should be manually enrolled in separate from the application of the credit card, not forced enrolled Cancelation should be possible through all avenues of customer services offered ( ADA violation ) Regardless of the legality of these fees ( I don't think they are or should be ) The CFPB should investigate synchrony anti-consumer behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68116
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A