Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I filed a complaint with the NC Attorney General XXXX XXXX, and waited for a response. No response was received so in XXXX I sent a query asking about the status of the complaint. Then on XX/XX/XXXX, I received an email from the NC DOJ, ( XXXX XXXX XXXX XXXX Protection XXXX ) informing me that she had referred my complaint to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX. ( I have received no communication from your bureau. ) She suggested that I re-file the complaint to your Agency The NC DOJ file number is : XXXX I will re-state the complaint : On about XX/XX/XXXX, I purchased a deck from XXXX XXXX, ( XXXX XXXX XXXX XXXX ) to be built at my home in XXXX XXXX XXXX XXXX The project XXXX was XXXX XXXX ) who was in charge of the installation. He signed me up for XXXX 's 24 month, no interest due if paid within that time period. There were multiple delays on their part and so as the months went forward and the project was not started, ( but I was being charged and making payments to XXXXXXXX XXXX XXXX Synchrony ) I asked XXXX to cancel the project. I then received a call from XXXX XXXX, asking me to speak to " XXXX '' he said the store XXXX. He said that she had news that I would be glad to hear. I called XXXX and she told me that XXXX would reduce the price of the project {$2000.00}. if I would go ahead with it. So I agreed and they came and built the deck and did a fine job I continued to make my payment when due without fail. Then a year ago, last XXXX ( XXXX ) I called Synchrony and asked the Customer Service Representative what the payoff amount would be on the Deferred Interest Account, as I wanted to pay it off. She gave me an amount of {$11000.00}. I told her that I would be transferring that amount to Synchrony to pay off the XXXX XXXX account only. ( Because I had a regular account, ( that is not a Deferred Interest account ) that I was paying on also, that was separate from the Deferred Interest account that I was paying off and I wanted no mistake to be made. I intended that the {$11000.00} be used only to pay off the XXXX XXXX account. I also made a payment of {$210.00}, which was the payment due for that month on the other account. I asked the Representative to be sure that the money would be managed between the XXXX accounts in that way and she assured me that it would be. I continued to make my monthly payments in the amount that Synchrony sent me each month, thinking that the XXXX XXXX account was paid in full. ( Synchrony doesn't send a full statement per month on the accounts, only the payment amount. ) But then when I received my XX/XX/XXXX statement for XXXX, I discovered that I was being charged the full 24 month interest amount of {$6600.00} as though the Deferred Interest account had not been paid off! I contacted Synchrony Bank several times, to be only transferred from XXXX representative to another. No one could offer any solutions, except XXXX did say that the {$11000.00} was partially applied to the " regular '' account. I asked at XXXX point to speak to a supervisor, and she said that it would take up to 60 days to review my account. I have not heard XXXX word from them. No correspondence from them either. I have continued to make the large payments each month, even though they are charging me interest upon the XXXX XXXX .... I've made the payments. Now in addition to my original complaint, I've discovered that without my permission, XXXX 's cashiers have put XXXX different purchase amounts into XXXX XXXX accounts! I have asked an accountant to review my entire account with XXXX 's since the initial deck purchase, because they don't make it easy to understand what they and Synchrony are charging and billing you for. As I said in my initial complaint to the NC DOJ, I am XXXX XXXX XXXX and work full-time. My money doesn't come easy. I hope that you can help me with this. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Online offer was issued in my name, after reports made about returns to outside merchants. This Merchant lead me to believe, corrections would be made but never was. I notice amount kept increasing and I was not using the credit card. I contact them again about the ongoing increase this Merchant failed to correct but lead me to believe everything would be taking care of and for me not to worry this Merchant filed to credit report instead of making correction clearing balance. As of XX/XX/2023 this Merchant for years now have fraudulently continue to report this information this has harmed me in a great way. Merchant is under a bank that extended credit to me for account was opened using my name. I am now blocked from any increase credit due to the fraudulent account Merchant keep reporting. I notified credit bureau years ago but they keep allow Merchant to make reports of owing balance when I owe nothing, Merchant failed to handle account in my name for fair investigation, plus allowed ongoing billing to be added to my name leaving a balance of XXXX I never charged this amount and asking for removal and never to be reported using my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX COMPANY : PAYPAL. ACCOUNT NUMBER : XXXX I put my paypal credit report that has many errors already marked for you to identify them and also the document where I pay them has doubted in its total. And they agreed to remove everything late payment 's and remove everything in 30 days and they haven't done it yet I hope you will help me with this inconvenience because it is affecting my credit history. I hope that in 30 days they will remove it immediately and update my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I was a Sams Club MasterCard holder, and a Lowes card holder both issued through synchrony bank. Both cards had been hacked into and had my address changed to addresses in California. I live in Ohio. I did not grant this permission. I found out by checking my credit report. I called and reported all the activity was fraudulent. They took care of the fraud. However, they keep allowing the same people to have new cards re-issued to them. I have called and asked them several times to please close the accounts and not allow them to be reopened. I talked to the fraud department and have been hung up on in the middle of a conversation several times. I have asked to speak to managers and nobody will allow me to speak to a manager. I just want the cards closed so that people can quit making charges on new fraudulent cards that are through my credit. I filed a police report and a fraudulent dispute through experience. I just can not get them to stop issuing new cards to anybody under my credit. please note the credit card number I put in has been closed. I do not have the current number that has been reopened to somebody in California. The only people that have that number are the ones that have access to the account and keep making fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX is a phone number from Synchrony Bank that has been calling me relentlessly over debt collections. Over the last 7 days XXXX XXXX ) they have called me at least 9 times and left several voicemails. They called me twice on Thursday, twice on Friday, twice on Sunday, twice on Monday, twice yesterday, and twice today. The earliest of these calls occurred at XXXX and as late as XXXX standard time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50315
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Reference # XXXX Amount of XXXX sent on XXXX XXXX had to dispute by call or writing to them by XX/XX/2023 I did not open this notice until today XX/XX/2023 i had covid got very sick.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90039
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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 XXXX Synchrony Bank allowed and over {$5000.00} charge to go through. ( Can photos upon request ). I immediately called the next day when I saw it to report obvious fraudulent changes. I had to make 2 calls send pictures of my ID take a video of myself to even file the complaint. Meanwhile on the call filing the complaint I learn they allowed someone to just easily call in and access my account, personal information, and change my address to an entirely different state and get access to charge with my card. What kind of messed up securit is this? Someone can just access and change my address but to report what is so obviously a suspicious charge that they allowed to go through because they just allowed someone to change my address with no issues..??? What the actual???? They said not to worry I would not be responsible and it would all be taken care of. Meanwhile XXXX weeks later, my payment due went from {$79.00} to over {$230.00} for XXXX because of the fraud charges they had not fixed and still have not fixed. They did not take my autopaymwnt out that is set up and charged me a late fee. I have called in 3 TIMES and go absolutely nowhere! Its even impacting my credit score that has now dropped because it shows me over my credit limit on this card by almost {$3000.00}!!! Do 1- they allowed someone to change my address and access my information 2- charging me interest in it and still are 3-allowed what appears very obviously a fraudulent like charge to go through for a very large amount ( over XXXX ) that would cause a cardholders account to go overdrawn almost {$3000.00}!!! 4- failed to take autopsy out increased minimum due because of huge balance and then charged late fee 5- still opting is fixed 6- now negatively impacted my credit score All of this is ground for a lawsuit which I do plan to likely pursue as well but this all needs to be fixed, fees returned, XXXX fees reveresed and someone can reimburse me for all my wasted time and stress on this matter. I mean how are you even considered a reliable credit card company. These are HUGE ERRORS AND I MEAN HUGE!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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 double charged on this card XXXX separate times, and every time they call me THREATENING me that they will charge me interest if I dont pay. When I try to access my account they tell me that my information is incorrect, that my zip code and address dont match, so they are unable to tell me what I am being charged for. When I try to dispute the only thing they tell me is that I need to pay before I accrue interest. I have paid off the balance on the card several times. But now they are trying to scam me. They continue to double charge old purchases even though I am no longer using the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Payed {$3200.00} to a Synchrony Bank credit card. Payment initiated on XXXX and received by Synchrony on XX/XX/2023. It is a typical pattern for me to pay the full balance of the card regularly. Synchrony bank has has the money in their possession for six days since XX/XX/XXXX, as it was a direct transfer ( not a paper check or other such thing ). As of XX/XX/2023, the payment is still not credited to my account. On XX/XX/XXXX, initiated another payment for approx {$800.00}. Again, a direct wire transfer, and fitting my usual pattern of paying the account in full. When checking the account online, I noticed it the {$800.00} payment was ALSO not reflected. I telephoned Synchrony bank. They told me the {$3200.00} was " on hold '' until XX/XX/XXXX ; and that the {$800.00} XXXX was " on hold '' until XX/XX/XXXX ( for XXXX more days??? ). They said it was to " ensure verification of the payments since I USUALLY only make individual payments in the $ XXXX {$1500.00} range. '' What I USUALLY do is pay the account balance in full regularly, regardless of the amount. They HAVE RECEIVED THE FUNDS AND ARE HOLDING THEM IN THEIR BANK, but will not credit my account. I am a good customer- use the card regularly, and pay it off regularly. Have never spent over the credit limit, have never had a late payment, have never missed a payment, have never submitted a payment that was rejected for insufficient funds. There are no grounds for Synchrony to hold these funds to " verify '' them for 10 days .... nothing on my account, nor within my history with the company warrants it -- unless this is some dirty dealings to accrue some extra interest (? ) Is this a common practice to extort funds from customers who aren't in the habit of carrying a balance? Unwarranted and unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 845XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A