Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 - I went to XXXX to apply for a " business only '' credit card with no personal guarantee. I specifically said multiple times to the clerk " I did not want this to have any inquiries on my personal credit report. If it did, I did not want the card and to cancel the application. '' She assured me that it did not and would not. Before submitting the report I asked the above statement one last time. She assured me once again then submitted the report. She obviously was incorrect and an unauthorized hard inquiry was put on my credit report with XXXX. When I asked the store manager what can I do he told me to contact their bank ( SYNCBLOWES ) and have them send a letter to XXXX for the unauthorized inquiry. Which I did, and was told they would. However, as of now they have not. So I am filing this report as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to complain about Synchrony Bank, the issuer of my TJ Maxx store credit card. On XX/XX/2009, I opened this account, which is one of my oldest credit card accounts. I went through a period where I did not make a purchase, but I thought that using the rewards from my credit card this year would count as activity. However, Synchrony Bank closed my account due to inactivity without any notice. I called Synchrony Bank customer service to try to reopen the account, but I was told that it was not possible. The representative I spoke with, XXXX, explained that the purpose of closing my account was to penalize me for not using it and to benefit Synchrony Bank by avoiding the need to pay security on my account. He also agreed that closing my account would harm my credit score. I spoke to a supervisor, who confirmed that Synchrony Bank does not send communications to customers warning them that their account will be closed due to inactivity. She also said that my only option was to reapply for a new account, which would create a new trade line and open date on my credit report. I believe that Synchrony Bank 's practice of closing credit card accounts due to inactivity without notice is deceptive and unfair to consumers. Consumers who are conscious of their credit score rely on their open accounts to maintain a good credit history. Closing an account without notice can significantly damage a consumer 's credit score and make it more difficult to qualify for loans and other forms of credit in the future. I am requesting that the CFPB investigate Synchrony Bank 's practices and take appropriate action to protect consumers from this type of unfair and deceptive conduct. I also request that the CFPB require Synchrony Bank to reopen my account and remove the negative information from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. I have filed all police reports, id theft affidavits and paperwork that is required under the FCRA. Synchrony bank was notified on XXXX occasions, that I never applied for, opened, authorized anyone else to open, or benefitted from the following accounts : Amazon / Synchrony Sams Club/ Synchrony PayPal/Synchrony These accounts were opened fraudulently and are not mine. I currently have a federal FCRA lawsuit in the XXXX XXXX of PA regarding the identity theft and am suing the major credit buraus. I have retained a consumer protection attorney to represent me for this identity theft. Synchrony bank was notified on XXXX occasions and all relevant identity theft documents were sent to them at the following address via certified mail : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Synchrony bank responded on all XXXX accounts that they were removing them from my credit reports, closing the accounts due to fraud and that I was not responsible for the balances. Upon checking my XXXX credit report during preparation for my FCRA lawsuit, I noticed an XXXX XXXX made a soft inquiry on my report on XX/XX/2023. Upon further research, it has been determined that these same XXXX identity theft accounts that Synchrony was aware of, have been turned over to a collection agency ( XXXX XXXX ). This is illegal. I have attached the letters from Synchrony Bank proving they acknowledged these accounts were the result of fraud. I have also attached a copy of my identity theft lawsuit that is filed in Federal Court, my police report and FTC Identity theft affidavits for these accounts. I have also attached screenshots of these accounts from XXXX XXXX web portal showing they are trying to actively collect on them without regard to my identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I currently have an Amazon Store Card issued by Synchrony. My problem first originated over a month ago by Amazon on XX/XX/XXXX. I ordered a XXXX XXXX using the Amazon Store Card which was shipped but never delivered to me by their in house delivery company. After reaching out to Amazon Customer Service a few days after the expected delivery date, I was told they have to wait 30 days from date of purchase before they can issue a refund. I did unfortunately made the mistake of ordering another XXXX XXXX in hopes to replace the item that never arrived. The second XXXX XXXX did arrive and I held on to it unopened as I waited for resolution of the lost unit. After a few weeks of going back and forth with Amazon regarding the lost product, I decided I didn't want to keep the second XXXX as their customer service left an awful experience for me. The second laptop was returned and I received my refund posted to the XXXX XXXX on XX/XX/XXXX. At which time, the Synchrony app updated the minimum payment due from the original {$630.00} down to some amount in the {$400.00} range. I was relieved to see they would adjust the minimum payment due as a large refund took place. On XX/XX/XXXX, a full month after my original purchase, I contacted Amazon again asking for my refund. At which time, the customer service agent assured me I will get my refund, which again never came. I reached out 5 days later on XX/XX/XXXX and again a customer service agent assured me I would get a refund. However due to my previous experience, I requested to speak to a supervisor to get my refund. The supervisor was able to issue my refund during our conversation with no further issues from Amazon themselves. After the second large refund posted to my account, the Synchrony app again updated the minimum payment due to {$210.00}. A couple days later on XXXX XXXX, I manually paid the {$210.00} minimum payment through the Synchrony Mobile App. I thought my ordeal was done with this saga. However two days later on XX/XX/XXXX, Synchrony debited my bank account for the {$410.00} difference from my manual payment to the original minimum payment. When I called Synchrony customer service, why their App was showing an updated minimum payment while they billed my bank account for the previous minimum. The agent said, something in the tune of " you should not trust the app, and only check your account information on the website ''. The customer service agent consulted with others on her team and said they can not return the extra payment since the minimum payment hasn't changed. The app I've using the entire time was the Synchrony App, not Amazon app for clarification. If their own app was showing an updated minimum balance from large refunds it would be natural to believe that Synchrony was updating the minimum due in their systems. It is extremely deceiving to have their own company app show a decreasing minimum due from large refunds if such changes were not occurring in reality.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I checked on my CareCredit account on Friday in preparation for a vet visit I had scheduled for today, Monday, XX/XX/23. It said I had {$2000.00} available to spend. I was denied at the vet today and when I called, CareCredit informed me that they closed my account yesterday, XX/XX/23, for inactivity, however I got absolutely no notification or warning that they were going to do that. As you know, closing a credit account will hurt my credit score. I can apply for a new account, but that will also hurt my credit score. I don't think I should be penalized for paying this off on time, and not having use for it until today, especially since this is a credit card specifically intended for medical, veterinary, and dental services. If I had been warned about the impending closure, I would have used it for services I received last week, and kept it active for this vet visit I had today and the dental work I have scheduled in a couple of weeks. It should be illegal for a credit company to close a credit account for any reason without warning the account holder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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: There were several charges on my account for purchases I did not make. I disputed them and was given a new account number. I no longer have online access to the prior statements so I do not have specific details. The charges were added to my new account and I am expected to make payments based on the new higher amount. I have requested written proof of these purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted Synchrony regarding a charge off from Amazon in an attempt to settle the account. After speaking to a representative, I was told a 1099-C had been issued and the debt had been forgiven, so no payments could be made on the account. Synchrony continued to report the balance as {$1000.00} owed even with a 1099-C issued and telling me that I was not allowed to make payments on the account. How is it possible a balance is owed yet Im not allowed to make payments on it because the balance has been forgiven? I have disputed through the CRAs and Synchrony continues to report the balance as {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77706
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I currently have 3 cards with Synchrony Bank. I have a Cares Credit, Mattress Firm and XXXX XXXX. It started with my XXXX XXXX XXXX, it was paid on auto paid on time every month. SB decided to randomly lower my credit limit even though the card were never used for anything else other than being paid. At the time I had 100 percent payment history across the board and no delinquency any where. The lower my limit right to the balance I was paying though a purchase special with equal monthly payments. Recently, I due to unforced events from employer not stopped paying me, emergency medical treatments as well as a passing in the family. I was forced to start missing payments due to hardship. I started to miss payments on my Cares Credit card as they add some significant amount of interest for medical expense charge. At random, they decide to close my Mattress Firm card which I have had zero missed payment and only 3 payments remaining on a purchase special. The card has been on auto pay since day one. The car also has never been used other than the initial purchase. The unethical practice of SB continues as they purposely left open the only card that is delinquent!!! They offer zero help in anything other than calling me and harassing me for a payment. A rep called and as I explained to her I have XXXX income as I am just about to start a new position with a company, I wont know when I would get paid or exactly how much and to please call me back in a few days. The rep purposely made me go through a hardship questionnaire when I " specified '' I have XXXX income at this second and she then told me " sorry due to your lack of income you do not qualify for hardship ''. This bank is unethically finding ways to either lower your credit score or trying to burry you in so much interest you have zero way of getting out!! They have done " tricks ' on all three of my accounts. This kind of behavior is unethical and it should be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Hello, I was told by Synchrony Bank I would be fully refunded for all of the payments that were made towards my account ending in XXXX. I have yet to see a full refund from this company. The total of all payments from XXXX - XXXX is {$6000.00}. I will provide the documentation for reference. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank ( line of credit for XXXX XXXX ) closed my account with out my permission, with a balance. When we have paid the card down to 30 % or lower, synchrony dropped our credit limit to the balance so it is always maxed out. This has greatly affected my credit report. I also have another account with synchrony XXXX XXXX. This account has also been lowered on my credit limit. Whenever we get to about 30 % or lower of the credit limit they drop my limit to the balance maxing out the credit line. There was also an issue when, the other person on the account did a balance transfer and the bank transferred the wrong balance. XXXX reported it as a late payment although there was no balance to pay when logging into the site. We called them to correct the issue, and our payment amount and payment history was incorrect for XXXX months until it was corrected. We don't think it is correct that they can just lower our credit limit when we have been making onetime payments and have good history with them. Closing our account with an open balance has a major affect on our credit and borrowing history and causes us issues in the future. We don't feel like we did anything to give them a reason to lower the limit or to close the account. They stated they can close it if your credit score goes down, but there are many factors to credit and many things can make it go up or down. Including closing a card with a balance will make it go down enormously. We have been in the process of trying to get qualified to buy a home and now we can not due to them impacting our credit. This company doesn't consider the well being of its customers. I would definitely strongly recommend not using this company. When we decided to use financing we thought it would help build our credit by having a credit line and making on time and larger payments. This definitely was not the case working with this creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A