Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have sent certified letters with tracking information to Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Synchrony Bank. Synchrony Bank has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Additionally, Synchrony Bank has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I withdrew my application before completion and they reported to the credit agencies that it was declined. I started the application in error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11554
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem when making payments
Subissue:
Consumer Complaint: " PayPal '', " PayPal Credit '' & " Synchrony '' Customer Support have repeatedly & are acting in a coordinated matter to commit Federally Illegal Organized Criminal Activity including Felony Fraud & Extortion as well as to Illegally Discriminate against me for requesting Handicap Accessible Accommodations regarding making payments to my " PayPal Credit '' & " PayPal Cashback Mastercard '' accounts with PayPal. They advertise that users can make these payments over the phone, on their webpage & with their phone apps, however their website & phone apps only allow users to directly link a bank account and draft payments straight from said linked bank account. This forces consumers to call in and provide their debit card information to a Customer Support Agent over the phone, with the CS Agent then processing the payment. They provide no option for users to make payments directly with a debit card unlike their advertised policies even though they clearly have the capabilities to do so. They also don't provide consumers access to their full, un-obfuscated account numbers either on the website, phone app or even in account statements. This itself is a Federally Illegal & Fraudulent Business Practice. Combined with their Customer Support repeatedly refusing to acknowledge my requests for accommodations they have acted in an egregiously Discriminatory manner in violation of the ADA Title III Sections 3.2000 & 3.3000 For individuals with Disabilities who aren't always able to just pick up the phone and call in to make a payment, this often results in additional fees being charged to the consumers account. The company has repeatedly committed Felony Fraud by lying regarding their policies. They regularly take payment from my debit card over the phone, without issue. They regularly claim over the phone ( I have their service agents Felony Fraud in this matter audio recorded ) that I can use the phone app & website to make payments using my debit card, that all I have to do is link the card to my account. I have attempted to link two different cards to my account, however neither actually showed up on the website or phone app as payment options. The only option they provide to make payment in their phone app or on their website is directly from a linked bank account. When I signed up for the account, it was advertised in their promotional material & the ( at the time displayed/linked ToS/Conditions ) that I could link a debit card and make payment directly from that card. I regularly make payment using a debit card over the phone when I am able to call in, though I often am unable to do so on time as a result of my XXXX XXXX. However they refuse to provide Handicap Accessible Accommodations & are in full violation of the ADA Title III sections 3.2000 & 3.3000 regarding " III-3.2000 Denial of participation. '' & " III-3.3000 Equality in participation/benefits. '' in the form of their accepting said debit card payments when a person calls in over the phone, but refusing to do so via their phone app or website as was originally advertised & repeatedly confirmed by numerous support agents of both PayPal & Synchrony over the last 8+ months. These Agents commit these Felony acts of Fraud to subsequently Extort consumers by levying Fraudulent Fees when Disabled users are unable to make a payment on time resulting from the Fraudulent & Federally Illegal Business Practices of Synchrony/Paypal & combined with the individuals Disabilities. The Agents of PayPal always say to contact Synchrony regarding the issue paying with a debit card & the Agents of Synchrony always insist I have to speak with PayPal. Both are acting in a coordinated manner to commit Felony Organized Criminal Activity including Fraud & Extortion as well as Federally Illegal Acts of Discrimination. They have acted in a Malicious & Discriminatory manner to dismiss my own tickets, refusing service & repeatedly mocking my requests for accommodations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/ASHLEYHOMESTORE, # XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have a line of credit with Synchrony Bank, formerly XXXX XXXX. This is for the repayment of a piano that I had financed. In signing up for the loan, I specifically asked the salesman if it was with Synchrony, since I had never before enjoyed working with that credit. The salesman assured me it was with XXXX, apparently unaware they had been acquired by Synchrony. The loan is a XXXX, no interest loan. Once the account was set up, I went to my online portal to make my first payment and register for auto-pay on XXXX since payment is due on the XXXX of the month. I received an email on XXXX stating " Your first XXXX payment will come out on XX/XX/XXXX in the amount of XXXX XXXX It will then come out on the XXXX day of the month, every month until the account is paid in full or until you cancel. '' On XX/XX/XXXX, I noticed that the automatic payment had not hit my bank. When I got to my online account, it showed no record of having signed up for auto-pay. Rather than going through the process online again, I called the creditor directly. When I explained my situation and that I had received confirmation that I had enrolled in auto-pay, the representative said that was because that first enrollment in auto-pay was just to make the first payment. To actually enroll in auto-pay, I needed to go through and enroll again immediately after. I told the representative, " You realize how insane that is, '' to which she replied, " I don't make the rules. '' In short, Synchrony Bank led me to believe I had enrolled in auto-payment by 1 ) having me complete the auto-pay information on my online account and 2 ) sending me an email confirming the details of the auto pay. This was clearly a lie, and I as a consumer was misled into almost missing a payment which would have resulted in having to pay all the interest on this installment loan that I have budgeted to pay off on time. This is deceptive, untruthful lending that is predatory upon consumers. By the end of the call, the representative had processed my next payment and reportedly enrolled me in auto pay. I received an email confirming that. I will vigilantly watch my bank to ensure the payment comes out on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: ( edited copy of letter sent to Synchrony Bank ) Care Credit Credit Card Processing SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Sirs, I have now received my XXXX statement, and none of the issues I reported last month have been resolved. Nor have I received any communication from you discussing these issues, nor indicating that you are even researching the issues. To summarize my previous letters, I sent you a letter on XX/XX/XXXX, documenting the issues as I saw them then. I sent this letter to you by certified mail. Attached is my USPS receipt for that certified mail. Unfortunately, when I attempted to pull the tracking information for that letter this week, USPS reported that the letter had reached XXXX on XX/XX/XXXX, was in transit to the next facility ( your local post office I expect ) XX/XX/XXXX, and they had no information after that. I therefore submitted a missing mail search request. Attached is a copy of todays tracking information. Also attached is a copy of that first letter, on the assumption that you have not yet received it. Upon receiving my XXXX statement, and seeing that none of the issues I had discussed with your customer representatives on the phone had been resolved, I sent you a second letter by first class mail on XX/XX/XXXX. Another copy of that letter is attached for your reference. Again, none of the issues have been resolved or even addressed according to my latest statement. As of my XXXX statement, there were no previous balance. Into my XXXX statement I made {$6100.00} in new purchases, with a promotional balance of {$5000.00} and non-promotional balance of {$1000.00}. Between my XXXX statement and XXXX statement I did everything necessary and sufficient to completely pay off the non-promotional balance. Therefore I should not have been charged any interest on the non-promotional balance. The XXXX statement shows a new promotional charge of {$520.00}, new non-promotional charges of {$330.00}, an incorrect value for new purchases, and incorrect promotional balances. I called your customer service department, discussed these issues with them, and supposedly things would be resolved. I again did everything necessary and sufficient to completely pay off all my non-promotional purchases and balance. Therefore I should not have been charged any interest on any non-promotional balance. The XXXX statement not only continues the above errors, but charged me {$22.00} in interest charges. I again spoke to your customer service department, and they indicated the issues would be resolved. I sent my XX/XX/XXXX letter, to notify you in writing of these issues before two statement cycles had passed from the initial errors. The XXXX statement not only continues the above ( now compounded ) errors, but charged me an additional {$24.00} in interest charges. I therefore sent you my XX/XX/XXXX letter, describing these issues in full. I have now received my XXXX statement, which again continues the compounding errors, and again has charged me interest that I did not and do not owe. Below is the spreadsheet I have used to determine how to correct these issues. The cells highlighted in yellow are the incorrect values from your statement, and the cells highlighted in green are the corrected values. The XXXX statement incorrectly applied my payment of the non-promotional balance to the promotional balance of the XX/XX/XXXX transaction. The XXXX statement again incorrectly applied my payment of the non-promotional balance to the promotional balances, and charged me interest on the incorrect non-promotional balance from the XXXX statement. The XXXX statement then continues these errors, as does the XXXX statement. My correction lines correctly applies my payments against the non-promotional balances as discussed with your customer service representatives on the phone, and correctly applies the appropriate portion of those payments to the promotional balances. It also reverses the interest that your statements incorrectly charge. Please make the appropriate corrections within your system. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
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 payment was made on my Paypal Credit/Synchrony Bank for {$580.00} and posted to my account on XX/XX/XXXX. The check has cleared my bank and I am attaching a copy of the cancelled check for proof of payment. My account number of XXXX XXXX XXXX XXXX is also on the face of the check so it would be applied properly to my account. Prior to the payment posting I requested research as to why my payment had not been posted to the account as it was sent in earlier in XXXX. Apparently XXXX disputes were started for the same issue on the same day and a Dispute temporary credit issued twice for {$580.00} on XXXX On XX/XX/XXXX, the payment finally posted to my account for the {$580.00}. Then on XX/XX/XXXX - THREE reversals were made for {$580.00} on my account- all of which are listed as PAYMENT CORRECTIONS. Only the XXXX temporary credit amounts should have been corrected, not the actual payment made that cleared my bank for {$580.00}. Then on XX/XX/XXXX ANOTHER charge shows up on my account for {$580.00} and is listed as a purchase. There is no such purchase and this is a fraudulent charge. I now have XXXX {$580.00} amounts showing on my account that are NOT CORRECT and need to be fixed. My payment for {$580.00} on XX/XX/XXXX needs to be posted back to my account and the charge for {$580.00} on XX/XX/XXXX needs to be removed for a total of {$1100.00} credited back to my account for these error to correct the balance on my account. I have made multiple attempts to call Synchrony Bank/Paypal and am either transferred to " billing '' and the call disconnects or no one ever answers the call after very long hold time. It is impossible to try and resolve anything with this company via phone or chat. Their billing practices really need to be formally investigated as something is very wrong here and consumers are being negatively affected. They also are reporting incorrect balance to the credit bureaus based on these errors that also needs to be corrected immediately. It is unacceptable to be told it will take 1 -2 billing cycles to correct their very large errors and have my credit negatively affected and incorrectly reported under the FDCPA. I need this corrected immediately. This is almost {$1200.00} in errors!!!! I do NOT owe these amounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Title : Synchrony Bank Conflicting Investigation Original CFPB Complaint : XXXX Details : XXXX XXXX on behalf of Synchrony Bank responded to my original CFBP complaint and noted that we had she and I had a conversation XX/XX/2023 ( which lasted 57 min ). I brought to her attention that Synchrony Fraud department sent me letter on XX/XX/2023 that the Credit Card in question was not opened by me and that I am not responsible for any charges associated with that Card, for which I had raised dispute with Synchrony Bank. I shared the above information including the letter from Synchrony Bank with XXXX XXXX during our conversation, in which she agreed to mention about this conflicting information from their Bank, in her response to CFPB. It is clear now that she has rescinded on her words as she as failed to mention it in her response ( same letter is attached here as a proof ). It is clear that Synchrony Bank is engaging in fraudulent practice -- on one hand they themselves have concluded that Synchrony Card in dispute was not opened by me and I am not responsible for any charges, but still gone ahead and make me responsible for those charges, added late fee plus fines and destroying my credit score. In the dictionary of fair and even justice such behavior will be classified as dishonorable and predatory. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08807
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
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 filed a dispute on XX/XX/23 for fraud charges total {$4500.00} and they have yet to update me or even refund the amount. Now Im responsible for this charge. And Im going to sue them if they dont refund because I didnt make those charges. I HAVENT EVEN RECEIVED THE CARD!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79413
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A