Date Received: 2023-11-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Care Credit card through Synchrony. I've been paying the minimum payment because that's all I can afford right now, but I just noticed that for the past 6 months or so they've been charging me a " PYMT CARD SECURITY XXXX '' fee of about {$15.00} a month, eating up half my payment! I looked this up and found that it was a " payment security '' program that cancels my debt in case of unemployment, death, disability, etc. I did NOT sign up for this and I did NOT consent to this fee! I want ALL the money I paid for those fees BACK NOW or I am contacting the POLICE! Well, I suppose I am contacting the police right now, aren't I?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was in the XXXX XXXX, KS American Eagle store on XX/XX/ and the sales agent told me to scan a QR code to access my AE credit card since I didn't have it with me. What I didn't know, is that it also produced a credit inquiry on my credit report. I already had a card. I don't want a new one and I certainly don't want another ping on my credit report. I want it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
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: 2023-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX charges began to occur on my Venmo/Synchrony Bank XXXX The first one was Amazon in the amount of {$71.00}. The company actually called me and asked me if I made any charges and I said NO. I said Please do NOT allow any charges that are unauthorized. They proceeded to allow thousands and thousands of charges to go through. Some of them they have refunded but there is still a balance of Fraudulent charges in the amount of {$1300.00}. ALL charges since XX/XX/XXXX through end of XXXX are fraudulent. I did not allow ANY. I have called the company well over 30 times and escalated the issue repeatedly and nothing is accomplished. I have hired a lawyer as well because this is flat out robbery, and I will not stand for it. I have over 50 emails from them sending me in circles with nothing getting accomplished. They keep telling me to wait 3 - 5 more business days. Wait more. Etc. It has now been 4 months. This is not acceptable and I need the charges credited back immediately. Totally inexcusable and I have let everyone know to STEER CLEAR of Synchrony. I hope they make this right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Synchrony, a credit card company that partners with JC Penney sent out a new credit card to replace the card ( and number ) that I had as a line of credit through the store. I went to pay off my new charges and noticed that the APR had ballooned from the low XXXX to over 30 % APR. The new credit card just showed up in the mail stating that it replaced my old card now with more benefits. There was no prominent disclosure or mention of fees/ rates changing with the new card. I was shocked by the gigantic increase and feel that this was dishonest in the way that the new card came with much higher rates. I tried to address this with a representative through their chat function on the website and Synchrony 's representative said there was nothing that could be done about the rate, and that " I had agreed to that APR when signing up for the card. '' Of course none of that was the case since I opened the card with the store years earlier and 30 % is abject usury. How can this be lawful?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
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: 2023-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted several time XXXX XXXX and XXXX XXXX XXXX to remove bank accounts from my credit report that they had agreed previously to delete after I paid the owed amount, it has been several months or almost 2 years since I paid those and they are still reporting then to all credit bureaus as charge off - paid but has not removed as they verbally agree to get then remove. I have also submitted several letters to the credit bureau asking them to remove the information from my record and they always reply back stating that it was not me who submitted the letter even though I have provided my personal documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I missed 2 months payment on a XXXX credit card owned by Synchrony Bank. That was XXXX and XX/XX/XXXX. When I attempted to pay on the third month, XXXX, my account was closed. I was told by the representative that my account was closed and sold to a debt collector. I requested the information of the debt collector so I could begin payment but was told they did not have that information. The representative told me the collection agency would be in contact with me. I made several attempts monthly to find out from Synchrony who I could pay. I finally gave up and waited to hear from the debt collector. In XXXX of XXXX by an attorney 's office by the name of XXXX XXXX XXXX, XXXX. The young lady representing XXXX XXXX was very rude and threatened to garnish my wages. This is in violation of my rights as it was well past the required 5 day notice of acquiring my debt. This was 2 years after the fact. I explained I tried to pay and worked out a payment arrangement. They demanded I provide my banking information over the phone to set up payments. I told her that I was uncomfortable with doing that but if she could provide me with the address and other information, I would be glad to mail certified funds each week. She argued and then after a while stated it would be sent in the mail. I called each week to get information on where to send my payment and was told " it is in the mail. '' I never received anything. In XXXX of XXXX, I was served with an intent to garnish my wages. The amount owed was inaccurate. It was well over what my initial debt was. At that time I owed {$1000.00}. They were charging me over {$1500.00}. I asked if I could settle with {$1500.00}, {$500.00} more than the debt, and was told, " no. '' The garnishment did not go through as I was under another Garnishment that I agreed to. Both of these Garnishments were sent through XXXX XXXX. In XX/XX/XXXX, I was served with another XXXX through XXXX XXXX by the same attorney but now for over {$1700.00}. My rights have been violated by not notifying me on a timely manner of the purchase of my debt, not providing me with a reasonable accommodation to repay my debt, egregious charges being added because of change of jurisdiction, and rude behavior all around. This is one of two debts I owe to Synchrony Bank and that was bought by this attorney. The other was a XXXX card. The same details with the XXXX card can be given for the XXXX as both were closed at the same time for the same reason and originally owned by the same bank and then sold to the same attorney. The XXXX card had a balance of {$500.00}. Now the attorney is charging over {$800.00}. The payment arrangement set up with the XXXX debt also included the XXXX. XXXX amounts were to be paid weekly but payment information was never sent for either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I had a debt around {$1100.00} in XX/XX/2022. I called pay off debt in full. I paid the full fee over two cards. Synchrony Bank stated they did not charge the second card and continues to charge interest after 3 disputes. The payment has ballooned an additional {$1000.00} and continued to charge interest during the dispute process. They were harassing me by calling multiple times a day during the early morning and late into the night. I asked them to stop harassing me and they continued to send letters and call. This has destroyed my credit by over XXXX points and has not allowed me to refinance my home to save me and my family money. I have spoken to them upwards of XXXX times with no help. They have locked my account and I can not even pay online even if I wanted to. They continue to charge interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was getting charged for something that I have no idea what it was for. I asked synchrony bank and they couldnt tell me. After two years of making payments on a {$1000.00} bike I paid another {$800.00} to close the account in XXXX. I have a letter stating that my account was {$0.00} dollars. I have screenshots stating my account is XXXX dollars. They are still drafting my accounts every month. I have asked what the charges are for and they can not tell me, but they still draft my account. Customer service is awful. I got put on hold 3 times while I was speaking and sat on hold for 1-1/2 hours to be told they cant tell me what the charges are or why the account wasnt closed, but I still owe them money. Two years, and I never got a single statement or any information on charges or even an account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72301
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Noticed my PepBoys account/ Synchrony Bank was closed the representative said it was closed due to my credit score. Which doesnt make sense because I always paid my account on time it is on auto pay through my bank. This in turn has had a negative effect on my credit score. I feel I was treated unfairly. Which has caused a negative outcome. I would fully understand the decision if my card was in default however that couldnt be further from the truth! Companies cant treat consumers in this manner without proper cause and my credit score doesnt have any bearings after being given credit with a company and as stated previously payments were on time and up to date. Nor did anyone explain these stipulations prior to credit approval. This is completely unacceptable and no consumer should be treated in this manner!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A