Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023 I applied for a Sam 's club business credit card with Synchrony Bank.I thought the bank would use my small business XXXX and XXXX number to apply for the account. I thought providing my personal Social security number was just to verify my Identity, not have a hard credit inquiry done lowering my personal credit score. I was denied and my score was lowered significantly to below average. Now my score was lowered so much that my intentions of applying for a home loan is now in jeopardy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Subject : Formal Complaint : Synchrony Bank Dear Sir/Madam, I am writing to address a recurring issue I have encountered with the applications for business credit cards associated with Synchrony Bank . On two separate occasions, I applied for a LOWES business credit card ( issued by Synchrony Bank ), only to be denied due to the reason stated as " High risk source of application. '' Subsequently, I attempted to reapply a year later, receiving the same outcome. In an effort to seek clarification, I promptly contacted LOWES regarding the rejection, only to be redirected to Synchrony Bank. Despite my attempts to reach out to Synchrony Bank, I encountered difficulties navigating past their automated service as it prevents me from connecting with a representative to resolve the matter. More recently, I applied for an Amazon business credit card, also managed by Synchrony Bank, and was, once again, denied with the same explanation, " High risk source of application. '' Upon investigating this designation, I discovered that it typically pertains to the flagging of potentially fraudulent applicants. It is crucial to emphasize that I have never been involved in any form of fraudulent activity or conduct throughout my life. Thus, I perceive this designation as an act of discrimination, potentially influenced by my name. I would like to highlight that I run a successful business and maintain multiple business credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, all in good standing with a flawless payment history. My credit score is exceptional, and I bear no personal credit card debt. Moreover, my business 's financial standing is exemplary, reflected in one of the highest business scores with XXXX XXXX XXXX. As a dedicated business owner, I am actively seeking opportunities to expand my business. Regrettably, the recurring denials from Synchrony Bank lack a reasonable explanation, and there appears to be an absence of an appeals system within their process. I strongly suspect that I am encountering discriminatory treatment based on my name and assumption of my race and location. Therefore, I demand a comprehensive explanation as to why my applications for any affiliate business credit cards under Synchrony Bank have consistently met denials. I find this situation entirely unacceptable and sincerely hope for your prompt intervention to resolve this matter. Failing a satisfactory resolution, I will be compelled to explore legal avenues against Synchrony Bank for discrimination. I await your immediate attention to this pressing issue and a timely resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Notice to Agents Notice to principal of Synchrony Financial, I approach this matter with clean hands and in good faith, per UCC 308. I am inquiring about two accounts : my Sams Club credit card account ending in XXXX and my Amazon credit card account ending in XXXX. In writing, I request an explanation from Synchrony Financial Corporation regarding the closure of my Amazon credit card and the reduction of my Sams Club account. As a consumer, I assert my right to access credit, as per the Truth in Lending Act ( 15 USC 1602 ). Denying me access to my credit is a form of discrimination, and withholding access to my securities constitutes securities fraud. I maintain that I possess unlimited credit, and I contend that Synchrony Financial is in violation of the Equal Credit Opportunity Act and the Consumer Protection Act. Since you have closed my Amazon credit card, I request that you retract my application. Additionally, please provide the Generally Accepted Accounting Principles ( GAAP ) information for the contracts. I also seek clarification in writing regarding whether Synchrony loaned or credited me any of their own funds. Furthermore, I request confirmation that we are not subject to the Emergency Banking Act of 1933 ( updated in 1994 ) and the Indentured Trustee Act of 1939. Please provide written notice as to whether I am considered a holder in due course of this contract. Check 3 UCC 302. I am reporting a billing error, as per 15 USC 1666 and 12 CFR 1026.13. There appears to be a breach of contract by the company mentioned above, which I find morally offensive. Unknowingly, I have allowed Or agreed Unconsciously that, Synchrony Financial Corporation retain my proceeds, interest, and dividend payments. Certificate of indebtedness information was not adequately explained, and Synchrony never disclosed the open-ended nature of the account, potentially violating 15 USC 1611 and criminal liability for providing false information. I hereby reclaim all my proceeds and security interests due to me. I am aware that all securities are backed by the full faith and credit of the U.S. Government, as per 18 USC 8 ) ( 31 USC 3123 ) When Synchrony Financial extended a small portion of credit to me, it my bill was, in my view, already prepaid. During this billing dispute, I kindly request that my account be zeroed out and credited to its full balance, with extended credit in accordance with 15 US Code 1637 and 12 CFR 1026.13. I also request the reactivation of my Amazon card with the extension of credit, which I have not utilized. The account was just closed without my knowing, I know without doubt i can not be denied credit lawfully as the natural person or beneficiary, according to Equal opportunity act. Denying me my own credit is discrimination of my character, I applied for credit and regardless of the reason being, I have the right to credit, By Synchrony with holding my securities is securities fraud, Synchrony Financial Bank is in violation of the Equal opportunity act and Consumer Protection Act. I am propelled to XXXX XXXX dollars per violation per third-party. The findings of misconduct and the perception of unclean hands on Synchronys part have caused me considerable distress, mental frustration, and great hardship. I can not comprehend all of the deceit in this matter. I am deeply offended by these fraudulent actions. As I explained above All debts are pre-paid the U.S government pledged to pay debts in legal tender principles and interests 18 USC-8 ) 31 USC 3123 ) In addition I've paid in the wrong tender and I am also requesting tender of payments according to Discharge and effect of discharge, I have paid in the wrong tender 3 UCC 601 through 604, Return any remaining credit balance remaining in the account for more than six months of payments by cash check or money order or transfer to the account I can provide at a later date. I am prepared to request an audit of Synchrony Financial Bank, or we can pursue resolution in Arbitration or Federal Courts if this matter is not addressed fairly and promptly. Thank you for your swift response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for an XXXX XXXX which advertised {$50.00} cashback after a {$200.00} purchase. I made a {$340.00} purchase soon after receiving my card and did not receive my {$50.00} cashback.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem when making payments
Subissue:
Consumer Complaint: They refuse to send me a monthly bill/statement either electronically or by mail. Then when I don't pay they have charged interest that they refuse to remove. I am a senior citizen and this purchase was to buy hearing aids on an interest-waived installment plan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
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 owned a Belk credit card ( Synchrony Financials ) onto which fraudulent transaction happened in XXXX XXXX. The fraudster compromised the card and shipped the merchandise to our address because of the reason that we were out of country. Belk credit card financial institution did investigation for over 2 years and refunded the fraudulent transaction amount of {$2000.00} in XX/XX/XXXX. But, then later on XX/XX/XXXX, Synchrony Financial reversed the credit and still made me liable for the fraudulent charge. Synchrony Financial has broken federal law from the year XXXX for over 2 years now and still breaking the law by making the consumer not giving protection against the fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XX/XX/2023 XXXX unauthorized charges totaling {$7300.00} appeared on my Care Credit accounts ( owned by Synchrony Bank ). I disputed the charges in writing and they were removed from my accounts. However, in XX/XX/2023 XXXX new unauthorized charges totaling {$7300.00} appeared on my Care Credit accounts, described as " XXXX XXXX XXXX XXXX. '' I again disputed the charges in writing, but this time Care Credit did not post temporary credits for the unauthorized charges, and instead they falsely reported artificially inflated credit utilization rates of 98 % and 99 % to the credit bureaus, thereby lowering my credit scores significantly. In XX/XX/2023, as a result of the artificially lowered credit scores, Synchrony lowered the credit limit on my PayPal Mastercard from {$4000.00} to {$1900.00}, citing the ( false ) data Synchrony itself was reporting on my Care Credit accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Credit card PayPal XXXX Mastercard by Synchrony bank one day started to decline my transactions coming from PayPal account. Numerous calls with customer center and on average 3-4 transfers during the call lead to months of issue being unresolved and now the blocked my card in XXXX ( which had no issue before ) and I have to wait for few weeks to get it reactivated. Card itself when swiped also worked no problem. Representatives I spoke too some were not professional and rude and didnt try to help me at all. What happened is someone flagged my card for fraud while I never requested it nor reported any transaction as suspicious or unauthorized. So they flagged my card on a whim and I am stuck with suspended card for no real reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Synchrony recorded a transaction of {$10.00} on XXXX XX/XX/2023. This account was closed in XXXX, XXXX. I am not happy with opening of closed account without my knowledge and recording transaction. Can you please help to take action and prevent Synchrony in recording transactions on closed accounts? Kind regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A