Date Received: 2024-02-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a synchrony care credit card. I have only made two purchases on the card. One in XXXX and one in XXXX of XXXX. Each month I pay XXXX $ by way of automatic withdrawal. Each month I have an interest charge on purchases always over XXXX $ and one interest charge of over XXXX XXXX The card is therefore never able to get paid off. This company is stealing money from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX and Paypal and Synchrony Bank dba Paypal Credit offered me various zero-interest credit with a stated credit limit in the amount of {$3900.00}. They have refused to allow me to utilize the line of credit EVERY TIME, despite that the transactions were only for approximately half the total available credit. They avoid being contacted then only via " chat '' messages contained only on their server and point fingers at one another in a circular route. Finally, when confronted with the fact that both Synchrony Bank ( dba Paypal Credit ) and XXXX insist that Paypal is to blame and can fix it, does Paypal admit to blocking every transaction vaguely citing " security reasons '' which they refuse to identify and refusing to provide instructions on how to resolve the alleged " issue ( s ) ''. After each new denial of credit, I have contacted Paypal a number of times, each time being required to first contact one or both the other two partners then once pinned down, returning to the same spurious and unspecified " security issues '' I have used XXXX for decades, successfully selling XXXX and other laptop computers and other high-dollar items I no longer needed after buying the newest model as often as every six months without even a single complaint. Over the most recent two years I've made some sales -- again absent of complaints -- but also some purchases. The companies haven't notified me by email of ANY issue, security or other, nor have they instructed me as to how to cure the alleged but unnamed issue. The no-interest offers keep being made more appealing, from an initial 4-months to 6-months, to 12 months and now 24-months. Yet, though they specifically target me, stating my {$3900.00} avaiilable credit, each time I attempt to utilize the established, approved credit line, I am being unfairly denied credit in a set of circumstances where other similarly situtated persons are not being denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46628
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: on or about XX/XX/XXXX i received call from SYNCHRONY ask me to verification and sent copy of Photo ID and utilities bills and i did sent on XX/XX/XXXX and account still restriction for no reason on XX/XX/XXXX i called the customer support to resolve the matter but those very poor customer support in philippines are incompetent and untrained, i'm attaching copy of require docs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We always use the promo feature when using our Care Credit card and I am diligent to make sure it pays in full before the promo expiration date. I paid {$420.00} extra ( on XX/XX/year> ) on the top promo, knowing that the final {$150.00} would come out on the regular due date ( on XX/XX/year> ) to finish paying if in full before the expiration date ( on XX/XX/year> ). When I checked the account, Care Credit had misappropriated the {$420.00} and put {$53.00} on the next promo, potentially causing the 1st promo to have missed the expiration date. They could then assess the accrued interest of almost {$260.00}, except that I caught it in time and called them. They gave the excuse that there must have been a glitch in their system. That is not acceptable, since they could have stuck us with another {$260.00} in accrued interest. I believe this is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 2022 I was summoned to small courts claim. I owed money and I knew I was in the wrong and I respected it and paid my dues. Papers were signed and debt was paid... I thought. I recently started receiving phone calls on my new number ( XXXX ). I answered and they said " you owe {$1200.00} ''!!! How would I know I owe them something that was disputed in court?! It should have been a wrap since then. And also my account was not accessible since 2022!!! I was banned or something or blocked from accessing it. My credit score is completely destroyed because of synchrony bank. Basically my life is in shambles. I can't get a credit card. Can't get a car. Can't get anything that requires me to pay off because there little computer mistakes. Completely unprofessional and now I can't find a house to rent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. XXXX and XXXX, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality. Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to XXXX, XXXX, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information. Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. XXXX and XXXX have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX 's reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. Please remove immediately the following accounts : SYNCB/VRZN XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, FL XXXX 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: 11364
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony bank representative agree to a settlement of a charged off account. After I made the payment the account was updated on all my credit reports but was still showing a charge off balance never reflecting my payment subtracted from the total charge off amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Synchrony : carecredit closed my account and wrote it off & sold my account to XXXX XXXX and I sent them a debt validation letter which was delivered on XX/XX/2024 which is well past 30 days, no response & as soon as they got the letter they either alerted Synchrony/Carecredit or they themselves then tried to sell my account to XXXX & XXXX XXXX XXXX XXXX ( once they got another address for me ) I would like to file a complaint against these folks because they should have already removed the listing from my credit and not tried an underhanded technique to try to further come for me, especially when the debt has been paid towards twice : Which Is Fraud : See UCC Laws : Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
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: On XX/XX/XXXX I went to Lowes Home Improvement to return an item that I purchased on my LAR account. I had paid off the account weeks prior to the return. The customer service person would not refund the item, but told me Synchrony bank would have to send me a check for the refund. On XX/XX/XXXX I was told by the store manager and the credit manager at the bank the store should have refunded me. While talking to the LAR team manager he assured me they had the credit from the store and a check was already in the mail that same day and it would arrive to me in 7-10 days. I called Synchrony bank back XX/XX/XXXX, XXXX, XXXX, XXXX inquiring about my money that I had not received. I called Synchrony bank agin on XX/XX/XXXX and talked to a LAR team member that told me a check had not been processed. I asked to speak to her manager that told me the exact same thing, but said she could process the check then and would expedite it. She said she would file a complaint. I called again on XX/XX/XXXX and was told the check was supposed to be mailed out today! I have been lied to several times and feel I have been wronged and the bank needs to make their wrong right, by getting me my money and giving me compensation for the stress Ive experienced! Im sure others are experiencing the same thing, which is very unprofessional and unreliable! If I had not continued to call, this refund looks like it would have never been processed! Synchrony bank you need to check behind your trusted workers as this makes you look slack on handling volume!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A