Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: This is a follow up on complaint ID XXXX. Synchrony Banks response to that complaint was to close the account. They have closed the account 10 times since XX/XX/XXXX & reissued the card under a new account #. That does not resolve the issue. As recently as XX/XX/XXXX they allowed a fraudulent charge of {$800.00}. I called them on XX/XX/XXXX in response to a letter from Synchrony Bank, Lowe 's Credit Card. This complaint and the first one is an attempt to stop Synchrony Bank, Lowe 's Credit Card, from enabling these fraudulent changes and charges. This on-going issuance of fraudulent cards and charges since XXXXXX/XX/XXXX is a form of elder abuse as it has cost me time, money and emotional distress. Their response of account closed as their action is not adequate. This cycle must cease!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93420
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor, the ( Amazon Store Credit Card ), has violated my rights under Title 15 USC 1681, Section 602, which states I have the right to privacy. Additionally, 15 USC 1681, Section 604 ( A ), Section 2 also specifies that a consumer reporting agency can not furnish account information without my written instructions. Under 15 USC 1666b, the ( Amazon Store Credit Card ) may not categorize 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: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO : AMAZON AND SYNCHRONY BANK, AMAZON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : SYNCHRONY BANK AMAZON CREDIT CARD INACCURATE CREDIT REPORTING, AND NOTICE OF DISPUTE OF FRAUDULENT SYNCHRONY BANK CREDIT CARD BILLING DATES AND PRICES, DISPUTE OF THE ATTACHED UNAUTHORIZED AND UNWARRANTED XXXX XXXX XXXX {$8.00} PAYMENT, DEMAND FOR REFUND, AND DISPUTE OF EACH CREDIT INACCURATE REPORTING NOTED IN THE EXHIBITS AND DEMAND FOR VALIDATION AND IN WRITING REASONS FOR THE REPEATED SYNCHRONY BANK CREDIT REPORTING INACCURACIES NOTED BELOW. DEAR AMAZON AND SYNCHRONY BANK DIRECTORS : I WRITE THIS LETTER WITH RESPECT TO THE BELOW EXHIBITS EXEMPLIFYING REPEATED INACCURATE CREDIT REPORTING THAT IS UNWARRANTED, HARASSING AND HAS CAUSED ME PROBLEMS. PLEASE SEE EXHIBIT 1. THIS EXHIBIT IS FROM AMAZONXXXX. THIS EXHIBIT SHOWS 2 ORDERS. 1. XXXX XXXX XXXX FRAUDULENT BILLING FOR XXXX PREMIUM PLUS FOR {$14.00}. I SERVICE I NEVER ORDERED OR USED. 2. XX/XX/, BILLING FOR A BOOK TITLEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOWEVER, IN EXHIBIT 2, BOTH OF THESE ITEMS ARE INACCURATELY PRICED AND REPORTED ON THE AMAZON SYNCHRONY BANK CREDIT CARD STATEMENT. THE CREDIT CARD DATE AND PRICE INACCURACIES ARE : XXXX. THE XXXX PREMIUM IS BILLED AND CREDITED ON XXXX XXXX XXXX AS AMAZON XXXX FOR {$17.00}. THE DATE AND PRICE ARE INACCURATE AND INCONSISTENT WITH THE AMAZONXXXX RECORDS. THIS INDICATES FRAUD. COMPARE EXHIBITS 1 AND 2. 2. THE BOOK TITLED, XXXX XXXX XXXX XXXX XXXX IS BILLED AND CREDITED ON XXXX XXXX XXXX FOR {$21.00}. THE DATE AND PRICE ARE INACCURATE AND INCONSISTENT WITH THE AMAZONXXXX RECORDS. THIS INDICATES FRAUD. COMPARE EXHIBITS 1 AND 2. SYNCHRONY CREDIT STATEMENT RECORDS ARE FRAUDULENT AND INCONSISTENT WITH AMAZON RECORDS. THERE IS A PROBLEM. ALL OF THE ABOVE IS INDICATIVE OF FRAUD. PLEASE STOP IT AND MAKE SURE SYNCHRONY BANK, REPORTS THE ITEMS I BUY FROM AMAZON ACCURATELY. THIS MEANS THAT SYNCHRONY BANK MUST REPORT THE AMAZON ITEMS CREDITED, IN ACCORDANCE WITH THE DATE AND SAME PRICE FROM MY AMAZON ACCOUNT. PLEASE NOTE CLEARLY, IN EXHIBIT 2, IT SHOWS A NEVER ORDERED XXXX FOR {$17.00}. PLEASE RETURN THE {$17.00} CREDIT TO THE BALANCE. I DISPUTE THIS FRAUD. PUT IN WRITING THE REASON SYNCHRONY BANK HAS INACCURATE DATES AND PRICES, WITH THE AMAZON CREDITED ITEMS, IN EXHIBITS 1 AND 2. PLEASE NOTE CAREFULLY. I DISPUTE THE OUT OF NO WHERE, NO PAYMENT DUE, UNAUTHORIZED PAYMENT FOR {$8.00}. SEE EXHIBIT 3. I DID NOT MAKE SUCH PAYMENT AND SUCH PAYMENT WAS MALICIOUSLY AND CRIMINALLY USED IN MY CHECKING ACCOUNT. IT IS UNAUTHORIZED. REFUND THE UNAUTHORIZED AND UNWARRANTED PAYMENT OF {$8.00} XXXX XXXX XXXX PLEASE CORRECT THE ADDITIONAL CREDIT INACCURACIES IN EXHIBITS 4 AND 5. BOTH EXHIBITS SHOW THE CURRENT BALANCE AS THE SAME AMOUNT OF {$1000.00}, YET EXHIBIT 5, SHOWS A XXXX AVAILABLE CREDIT ERUPTION THAT IS NOT DEDUCTED FROM THE CURRENT BALANCE OF {$1000.00}. PUT IN WRITING THE REASON FOR THIS INACCURATE CREDIT REPORTING AGAIN, AND FIX THIS BY DEDUCTING THE {$17.00} FRAUD FROM THE ALLEGED {$1000.00} CURRENT BALANCE. PLEASE SEE EXHIBITS 6 AND 7. PLEASE PUT IN WRITING WHY THE AVAILABLE TO SPEND IN BOTH EXHIBITS ARE THE SAME, {$160.00}, YET THE CURRENT BALANCE IN EXHIBIT 6 IS {$940.00} AND IN EXHIBIT 7, IT IS {$850.00}. PUT IN WRITING, WHY WAS THE EXHIBIT 7, {$100.00} PAYMENT NOT APPLIED TO THE AVAILABLE CREDIT? WHAT IS THE PURPOSE OF THESE REPEATED CREDIT REPORTING INACCURACIES? ACCORDING TO THE EVIDENCE IN EXHIBITS 7 -9, THE CURRENT BALANCE IS {$900.00} AND THE AVAILABLE CREDIT IS {$110.00}. THE CREDIT LIMIT IS XXXX. PUT IN WRITING WHY SYNCHRONY BANK IS USING INACCURATE CREDIT REPORTING AS A METHOD OF OPERATION IN MY ACCOUNT. IS THIS SOME NEW HARASSMENT TO SABOTAGE ANOTHER GOOD-STANDING NEVER LATE OR MISSED ACCOUNT? IN CLOSING, I INVOKE MY GOD GIVEN AND FDCPA, FCRA, EQUAL CREDIT OPPORTUNITY ACT AND EQUAL PROTECTION OF THE LAW RIGHTS, TO HAVE THIS ORGANIZED FRAUD, GOOD-STANNDING CREDIT CARD ACOUNT SABOTAGE STOPPED. I DISPUTE ALL THE FRAUD NOTED AND DEMAND VALIDATION. I DEMAND WRITTEN REASONS AND STOPPAGE FOR EACH AND EVERY CREDIT INACCURACY ADVERTISED. PLEASE CORRECT THE ACCOUNT BALANCE AND AVAILABILITY EXPEDITIOUSLY AND STOP THIS MALICIOUS INACCURATE CREDIT REPORTING VERIFIED IN EACH EXHIBIT ATTACHED. THANK YOU. SINCERELY, XXXX XXXX XXXX XXXX XXXX REFERENCE POSTED AT : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX : XXXXconsumerfinance.govXXXX XXXX XXXX XXXX FEDERAL TRADE COMMISSION, https : //reportfraud.ftc.gov/ # XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: On three or more separate occasions, during the 3+ years that I have had the Amazon credit-building store card through Synchrony, I have attempted to reach out regarding the clear and evident lack of reporting in regard to my credit score. The card is touted to be a starting point for growing your credit, and they advertise reporting to all three bureaus, yet after 3+ years I still have no credit score and none of the major bureaus have any information nor knowledge of my credit account through Synchrony. I allowed the standard 2 years to pass, after which reports should have started to show up, yet even after this- and reaching out again to request proof that reporting IS being done- I was only given the same vague assurances that they are indeed reporting when it is clear that they are not. Each time I've called in, they have also failed to document my complaints, as each new customer service representative was unable to find any logged complaints or details of my prior calls. Due to this, the past few years that should have served as the foundation for my credit score have been wasted, leaving me woefully behind and causing a number of issues in my financial life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony bank, which provides credit for medical expenses says their minimum monthly payment is {$200.00}. However, if one paid {$200.00}, they were due interest at the end of the 18 months the actual payment thats required to be made to prevent you from having Interest due at the end of the 18 months is {$350.00} the first time I got my statement I called synchrony bank to report this, and they gave me a bunch of garbage as a response, and then went and reported it to the physician who was providing the services for which I took out the care credit They called synchrony bank and the company never responded to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Synchrony for Care credit is reporting me late for XX/XX/. Payment was not due until XXXX XXXX account was paid off XX/XX/XXXX, not 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted PayPal CREDIT aka Synchrony Bank to get a credit balance refund of {$17.00} mailed to my home address and close my cc account. The only way to get in touch with anyone at either of these companies is via " Live Chat '' on my phone so I got in touch with customer service representative XXXX XXXX who asked why I wanted to close my PayPal CREDIT/Synchrony Bank CC account and I said its because PayPal/Synchrony Bank flatly refused to lower my CC interest rate when I was struggling financially. He told me he would help me and asked what my mailing address was so " they could send me a check '' for the credit balance refund. I texted him my mailing address and he did not respond. After a few minutes I asked if he was still there and the app kicked me out. I was able to get back in and the app said I needed to contact Synchrony Bank. This is a bait and switch and these financial companies do this on purpose to make it difficult for consumers to close their accounts so the financial companies can continue to charge usurious interest against Americans many of whom are struggling financially to pay their household bills. I demand that PayPal CREDIT/Synchrony Bank ( or whoever they call themselves now ) mail me the credit balance of {$17.00} and close my credit card account immediately. In addition, they need to make sure my account shows as closed " Upon consumer 's request '' or something similar on my credit reports. This/these companies should not be allowed to continue to do business in the state of Arizona until they figure out how to communicate and help their customers that they are charging exorbitant rates and fees to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I arranged my monthly balance payment for my Sam 's Credit Card in XX/XX/2023 and the payment never processed on their end and they never notified me until I couldn't use the card to pay for a merchant. I contacted me and told me it was still processing. The card was charged a late fee. I was told it processed and now they are telling me it was scheduled until XXXX even though I submitted it twice. I can not make payments through their system or their customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48125
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
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: a fraudulent XXXX credit card was opened in my name and charged many items. i never applied or authorized this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90604
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid my balance in full using my debit card for XXXX on XX/XX/XXXX. When paying by debit card the funds come out of an account when the purchase is made. However Lowes XXXX refuses to process the payment until an undisclosed time in XXXX per the manager. When I asked why she stated because XXXX is a large amount. When I explained that by not processing the payment when made the debt would still show on my credit report for another month as owed, that the debt would impact my debt to income ratio, and that I believed this violates fair lending laws she responded this is how we do the payments. When I explained to her that by not processing the payment I would continue to be charged per diem interest she said this would not happen. I am complaining because I paid the amount owed in good faith and it should be processed when presented
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21601
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A