Date Received: 2023-10-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeatedly told them to NOT call me at my jobI still get calls at work. They also repeatedly call me every day, 3-5 times per day!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have two large accounts or promotional purchases on a Synchrony card. they have completely different timelines when i had one account, i could go in and make payments on it on line. now i can not do that i must get a live agent at Synchrony this requires 17 steps. there is no easy way or efficient way to get a live person. you have to listen to recording after recording to get a live person takes 45 minutes ... .and this is the requirement they have for me now that i have two " accounts '' on 1 credit card which came with no interest for a number of months. two managers at synchrony told me if i want to allocate my funds to a certain account i must phone but when i did the other day XXXX a XXXX XXXXXXXX XXXX and XXXX assured me my funds would go to the proper account ( the $ XXXX XXXX ) and he erroneously applied it to the larger one ( $ XXXX ) which I specifically told him not to. this was all recorded. this is unacceptable. I am trying to make payments XXXX a month on XXXX different accounts with different expirations and synchrony is preventing me from doing this with unreasonable conditions and unreasonable wait times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Previous dispute filed : # XXXX Account ending : XXXX Payment of {$1300.00} was sent to Synchrony Bank/Sams Personal Credit in the form of check. Check # XXXX Dated XX/XX/2023. Check is marked as Cashed as of XX/XX/2023. When speaking to a representative they advised the payment was shown however never applied to the account. A temporary credit was placed on the account during dispute review however, credit has since been reversed and payment was not applied to account. Representative also advised interest would not accrue during the dispute process however, new charges have been applied to the account. We have files to support the argument and are happy to provide any supporting documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony is doing everything in their power to ruin my score/ increase debt ratio. I have been paying every month. This is the 3rd time they have reduced my limit and/or closed accounts. I dont deserve this. I was in the high XXXX and now am in the mid XXXX thanks to this. It all began when they added a service without my knowledge called payment security to my account back in XX/XX/2022 which charged me hundreds in service fees to my account on a service that was meant to help with debts during a financial hardship. I called and asked it to be removed but they persuaded me to keep it and file a dispute because I had been going thru a financial hardship at the time. I filed proof of hardship, medical documents and after 3 months was denied assistance. Payment security is an absolute scam that took advantage of their cardholders in a globally challenging time. After all of this I requested the service be stopped and the account be closed which I have continued to make payments on to this day. After closing this account they reported it as a derogatory closure on my account and it dropped my fico between XXXX points from that closure alone. My credit was destroyed that day and went from good to poor credit. I wish this was the last of it but they continued to further ruin me. After this they closed car care credit card and lowered my care credit limit to the balance owed which now appears on the bureus as a maxed out credit card and a higher debt ratio from these unjustified and unethical closures. They specifically targeted me after the paypal closure and reporting them to the bureus, FTC, XXXX for this service of theirs. And now sent me letters that they've closed cards and lowered limits due to my credit score and debt ratio which they are to blame for creating this image. I would like my score as well and limits restored if not I will be disputing this matter in court. And due to the challenges, suffering and defamation this matter has brought I would also like them to pay for damages as well as be penalized for it. Its is absolutely disgusting a bank would retaliate and target someone like this, intentionally ruin their credit and lives. I depend on my score at this time to secure housing which this experience is not only upsetting but greatly damaging, its the reason I am presently without a home at this time because no one will approve me with such a score no matter how much I try to explain it wasn't my doing. XXXX XXXX XXXX Synchrony Synchrony Payment Security XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to SYNCB/CHEVRO for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Please see the attachments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
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 called Synchrony Bank today to try to resolve this issue. I asked to speak with a XXXX XXXXXXXX. I am being required to make a much larger minimum payment than usual because of the transaction dates of when my payments were processed. I purchased a XXXX XXXX bed and accessories on XX/XX/XXXX. The bed was not in stock and delivered until XX/XX/XXXX. My first payment was due on XX/XX/XXXX. A payment was made on XX/XX/XXXX. Since then I have consistently made monthly payments and on several months I have made multiple payments in a month. Some in upwards of {$1000.00}. I was told by the sales associate that as long as I made at least the minimum per month I would not be charged any fees. That has not been the case. I have read through the fine print on my statement and I do see that a minimum payment must be made by the due date but I have not been able to find where a payment must be made after a certain date to count for the next month. I find it shameful that because my XXXX payment that was made during a particular month was processed on the XXXX instead of the XXXX that it would not count as a payment for the next month. I precisely made an additional payment after receiving a paycheck so I could remain ahead so I would not incur any late fees. Payment dates include XX/XX/XXXX for a XXXX payment and then a payment on XX/XX/XXXX for XXXX. Instead I was charged {$41.00} for essentially being XXXX day early. The XXXX payment was due on XX/XX/XXXX. I made a payment for XXXX on XX/XX/XXXX. Simply because I was XXXX day early XXXX month I was considered late every month thereafter. It is extremely challenging to make sure that the mail is delivered and that they process payments specifically on the correct day. It shouldnt be so difficult for consumers to understand these billing practices. Billion dollar companies like Synchrony shouldnt be allowed to use such deceptive practices. If I would have only made the average minimum payment of {$180.00} per month that amount equals to {$2100.00} in 12 months. I have made over {$4000.00} in payments in the last XXXX months with no further purchases. It is unreal to me why companies like Synchrony choose to treat consumers this way. Truly confusing and unfair to the average consumer!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 257XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a loyal XXXX store card owner of a synchrony bank card for a number of years. I have faithfully paid my accounts in full over these years. This past month in XXXX I had an issue with my bank where unbeknownst to me, the payments I made on my XXXX store card were being reversed for some reason, I called synchrony bank XXXX ok XX/XX/XXXX and XX/XX/XXXX informing them of the error and I made the payment in full the same day of the second call on XX/XX/XXXX. It was literally a bank error that caused the XXXX reversals, I am so surprised to receive a letter in the mail today that my account has been closed and that my {$1800.00} in reward points that I had saved up have been forfeited! I am so disheartened. It seems like as I was talking to them and keeping them updated as a respectful person they were planning to close my account even after I paid my bill! It seems like a shady practice and have negatively impacted my XXXX XXXX. I attempted to call synchrony bank and XXXX my case, I spoke to XXXX XXXX in customer service and he simply said I can reapply but my points are forfeited. I really hope I am able to receive some kind of support to continue to be a synchrony bank consumer in the future in reopening my card and receiving my {$1800.00} rewards points on my XXXX prime store card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just noticed a hard credit inquiry from Synchrony Bank on XX/XX/2023. There was no direct benefit or authorization for Synchrony Bank to access my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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 has violated my rights under 15 USC 1681 SECTION 602 states, I have the rights to privacy, 15 USC 1681 SECTION 604 A SECTION 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666 B a creditor may not treat 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: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A