Date Received: 2023-10-23
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 have called Synchrony Bank numerous times, speaking to named and noted CSR Reps after receiving monthly statements with account balance and minimal payment due with statement not showing purchase information. Because Amazon Store Card is Synchrony Bank, I reached out to XXXX XXXX via email that XXXX as Executive CSR has replied. I am currently waiting on his next reply. The last three contacts with Synchrony Bank are aware of my intent for resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I received notification that there had been a hard inquiry from Synchrony Financial/XXXX XXXX I received an email regarding the denial on XX/XX/XXXX so no account was opened. However I would like to request that the inquiry from XX/XX/XXXX be removed as I did not make this request. I have contacted the financial institution to advise this was a fraudulent request on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21209
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: This is a new and second complaint with a bank that has reduced my credit card limit to punish me for having a dormant account. I received an alert from my XXXX account that Synchrony Bank has reduced my credit limit for my JCPenney credit card. My JCP card is dormant. I have never been late or delinquent with any of my credit cards. I had a Credit Score of XXXX but it was reduced because of having my limit reduced by XXXX XXXX On XX/XX/2023, I filed complaint # XXXX because XXXX XXXX reduced my credit limit on my XXXX XXXX credit card even though it was dormant. When I used my XXXX XXXX card, I was never late or delinquent. When XXXX XXXX reduced my XXXX XXXX credit card limit for no reason other than the credit card was dormant, my Credit Score was reduced to XXXX. Now, Synchrony Bank has reduced my credit limit on my JCP credit card only to punish me for not using their card. The same thing is happening. I do not deserve to have my Credit Score of XXXX reduced because of the card being dormant. No warning from Synchrony Bank was given. Neither XXXXXXXX XXXX nor Synchrony Bank should be allowed such discriminatory practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I created a high yield savings account with Synchrony Bank because of the interest rate. I transferred {$13000.00} and {$2000.00} into the new account. Following those transactions, synchrony bank restricted the account and then blocked my internet access. I called Synchrony Bank to find out what was wrong, but they stated their back office is looking into it and will get back to me in 2 to 3 business days. It's been longer than the days specified by Synchrony Bank, and my account is still locked and under review, retaining my {$15000.00}. This is incredibly terrible service from Synchrony Bank and very unacceptable. The account I just opened is already giving me hassles and making me run around for my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem adding money
Subissue:
Consumer Complaint: Since XXXX, I am no longer able to make payments online to PayPal Credit which is financed by Synchrony Bank. When I try to make the payment, I get the following error message : Sorry, there was a technical error. Please try again later. I have called Paypal and they insist only Synchrony Bank can fix the problem and Synchrony Bank insists only Paypal can fix the problem. I have had a conference call with Agents of both companies at once and both pointed the finger at the other and told me there was nothing anyone could do. Synchrony claims they can no longer see my linked bank account but this bank account shows as linked through PayPal. PayPal unlinked and then re-linked the account to no avail. I have tried different browsers using desktop computers and I have tried the mobile app but nothing works.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98146
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have inquires on my credit fie on accounts I didn't try to open, I have requested proof and nothing has been sent to me, and these accounts are still showing as a inquiry on my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have the synchrony amazon prime card and I am reporting predatory practices intended to recoup more interest fees from customers. First, I bought a television from amazon on XX/XX/XXXX ; it was a large purchase ( {$1700.00} ), so I thought it was smart to take advantage of the 12 month interest free financing. Come to find out, there is no way to set up autopay on the account to pay for both the TV in 12 equal installments plus whatever other monthly purchases I make on amazon. I had to do it manually each month. I was not told this by Synchrony or Amazon at the time that I purchased the TV at the promotional rate. The synchrony card 's failure to include an autopay feature that includes promotional purchases makes timely payment by consumers more difficult and takes advantage of the likelihood of human error in order to recoup more interest fees. That did in fact happen in my situation and I ended up paying about {$100.00} in interest ; at that point, I decided to pay the whole balance and forgo taking advantage of the promotional rate in order to avoid any future accidental interest payments. On that date I went to make the whole payment, XX/XX/XXXX, I sought to pay my bill and went to the web address on the bill : syncbank.com/amazon. That address took me to amazon storefront. I had to click through several " help '' windows to finally find the synchrony website for the prime card. I also tried going to the standard synchrony website, but I could not log in with my amazon synchrony password. The fact that the payment site was so difficult to find, is again a predatory practice -- by making the payment page difficult to find, synchrony amazon prime card knows some customers won't be able to find it on time, thereby incurring interest payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Synchrony keeps stalling saying give them 30 days. It's been 3 weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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 have been XXXX due to illness for XXXX years. One of the side effects is XXXX. I have damaged my teeth by XXXX XXXX. NO XXXX DENTISTS accept my insurance as I am an adult. I was due to have XXXX at the XXXX XXXX XXXX for a complete XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was unable to XXXX due to the potential for harm. I went to a local dentist who said it would be XXXX,. They offered to run my credit through Care Credit and was approved for {$1800.00}. I declined and my mother paid in advance. Recently I have been attempting to go to back to work and restart my business. As I am on a fixed income, my future projections were not considered. My credit score is good. But due to limited income, they ran the credit which was good, but showed a high debt to income. When I received the report I saw that Care Credi released 86 % of the credit and shows I am delinquent. I have never used this and owe no money to them. It dropped my credit score from XXXX to XXXX, And I was denied. I am being discriminated against, to access my rightful credit. I have shown I am able to make the payments as pay no living expenses except for my phone, and XXXX loan, which I am about done paying for, and I have always been always on time. I also have a XXXX credit card for auto repair. It initially was XXXX and always on time, and double the amount. My student loans are paid. The negative medical bills were eradicated as it was due to improper billing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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 had XXXX orders from Amazon for over {$150.00} each. Had auto pay with Synchrony credit card and they still charge me. Getting run around since then. Canceled Amazon account and card to stop Fraud by bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47714
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A