Date Received: 2024-02-17
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/2024 I notified Synchrony Bank that there were two fraudulent charges on my XXXX bill made to a company in XXXX XXXX when I was vacationing in XXXX. Synchrony agreed these charges were not made by me, but sent me a bill due XX/XX/2024 including them. I called nine different phone numbers over the past three weeks to get an accurate balance and a request to cancel my card. No one I spoke with on the phone or in a chat had access to my account or could cancel the card. Instead, I kept getting pitches for financial services with recurring monthly fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The credit card was opened XX/XX/year>. They used an old address and email address. Disputes have gone to the creditor and credit reporting agencies. This is not my card! I have asked them to freeze my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
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: On XX/XX/24, I made a complaint about PayPal Credit limiting my access to my online account set up to make payments, excessive late fees, and improperly reporting to Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) regarding this account because they kept fraudulently adding late fees by blocking my access to the online site to making payments. On XX/XX/XXXX and XXXX I received two email notices one listing my new computer bill of {$420.00} on XX/XX/XXXX, and the other on XX/XX/XXXX, for a minimum payment of {$260.00} and a balance of {$1200.00}. PayPal has continued to harass me with this account and I want damages to be imposed on them. I would like the balance to be XXXX out and to sever all ties with PayPal because of their fraudulent practices. Please see the attach email notices from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account listed as written off and Ive asked for 1099 and never received. Second account is reporting an incorrect balance. Also, on the account they are reporting an inaccurate personal address which I have No recognition of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account listed as written off and Ive asked for 1099 and never received. Second account is reporting an incorrect balance. Also, on the account they are reporting an inaccurate personal address which I have No recognition of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a lot of hard inquiries in my credit report I don't recognize them I have 14 I only know 3 XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02721
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/XXXX, opened line of credit with JC Penney department store with Synchrony Bank managing the card. Listed wife, XXXX XXXX, as authorized user. JCPenney transferred the account XX/XX/XXXX and transitioned the line of credit to another JC Penney card, also from Synchrony Bank. Currently, both I and the authorized user are missing seven years and five months of credit reporting history ( XXXX XXXX XXXX ), impacting our length of credit and therefore impacting the credit score. JCPenney is reporting the length of credit history beginning with XXXX. XXXX requires a credit history of 25 years for an " excellent '' rating for age of oldest credit line. Without the missing nine years of JCPenney credit history, my authorized user has an oldest account listed as 17 years. Adding the seven years of history with JCPenney will allow my wife to demonstrate length of credit history of 26 years. This will have a positive impact on both our credit scores. A letter sent to JCPenney in XXXX, XXXX, requesting a change to their reporting, has gone unanswered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
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: I filed a complaint which was not properly addressed, you will see that my complaint was not properly responded to and the merchant stated delivery was confirmed on days prior to XXXX communicating failed delivery attempts to me, this was added previously along with direct communication from Rooms To Go stating that I was not to be charged until I received what I paid for, Synchrony has backtracked from their original reason for denial which was a signed delivery slip to now using delivery confirmation which was provided prior to XXXX stating I was not available for delivery, I would also like to add they closed my previous account for frauf when I never reported which has wiped all previous communications with them on this matter and I believe this to be intentional, I now need Synchrony to explain as this directly contradicts their reason for denial, I would like XXXX XXXX to explain to me how you are denying a dispute stating that I received items on these days when each tracking number associated with the items shows I was either " unavailable '' for delivery or " unable to be contacted '', according to your policy I am not to be charged until furniture is accepted into my home which it never was and according to XXXX i was unavailable for delivery after the dates which you are claiming delivery was confirmed and this is clearly communicated by XXXX so please explain how you can negate this information? You state the merchant has provided documentation showing this was delivered on these dates and I have provided documentation showing that it was not which is after the confirmation you are using to deny my dispute, I would like to remind you your policy specifically states, I will not be charged until I have accepted merchandise into my own home, I expect a full response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am a XXXX XXXXXXXX who utilizes Synchrony Financial to offer deferred interest financing to my customers since XXXX. Once jobs are completed, a customer will sign off on the acceptance of the work and I will submit a transaction to Synchrony in which they will pay me the contract value less a small fee and then work directly with the customer to get paid on a monthly basis. At the beginning of XXXX, I changed my business from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown to me, this change also resulted in a new Taxpayer Identification Number being issued by the IRS. Because my TIN number that Synchrony had on file was no longer valid, they started withholding 26 % of the customers ' payments owed to me in which I can get this money back when I file my XXXX taxes in XXXX ( a year later ). It was my error in not realizing my TIN number changed and I submitted an updated XXXX with correct TIN number to Synchrony on XX/XX/XXXX to XXXX. I followed up with a second e-mail on XXXX and also spoke to multiple departments over the phone and no-one can confirm my W-9 was received despite saying it should be updated within their system in 3-5 business days after submission. I followed up again via e-mail on XX/XX/XXXX and again this morning ( XX/XX/XXXX ) via phone. When calling their Merchant Services department, I get bounced around like a ping pong ball and do not get any answers or resolution. My problem is that I have a completed job in which the customer has signed off on but I can not submit to Synchrony for reimbursement until they process my updated W-9 and remove the IRS Business Withholding . I am just not getting any answers from Synchrony at this point. As a small business owner, my profit margins are only around 25 % to begin with, so withholding 26 % on my gross revenue jobs ran thru Synchrony is actually making me breakeven or lose money which is not a sustainable business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44203
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX, 2023. Hacker got into my phone, used PayPal to order 5 {$100.00} cash cards from XXXX XXXX, another {$100.00} card through PayPal credit, and used XXXX to send {$250.00} from my checking account to someone named " XXXX XXXX ''. I discovered the problem and immediately called PayPal, Synchrony Bank, and XXXX XXXX XXXX XXXXXXXX to alert them to the problem. I then called all my credit cards and reported what had happened, and factory reset my phone. Synchrony admitted hacker fraud and expunged the {$100.00}. XXXX XXXX XXXX XXXX did the same and refunded my {$250.00}. PayPal opened a 'fraud investigation ', but never removed the {$500.00} from my account. After numerous calls to PayPal, and numerous passes from one customer service rep. to another, I got no decision from them, other than " we're still working on it ''. Six weeks later, I receive a debt collection notice in the mail. PayPal 's " fraud investigation '' is a joke. They said the purchases were " typical of my spending habits. '' I have never bought ANYTHING from XXXX XXXX, nor have I EVER purchased a cash card through PayPal. I am continuing to pay PayPal for the purchases I did make previous to this incident, and when that is concluded, I will cut off any further communication with PayPal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A