Date Received: 2023-09-29
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I have repeatedly received emails from XXXX XXXX, otherwise known as Synchrony Bank, for the past year. These monthly emails request that I pay back a loan I took out to get XXXX. I have been, and still am more than willing to pay this loan, but their website is non-functional and their phone number is a dead end. I have exchanged emails back and forth, and they continuously tell me to pay online, and day after day I keep checking their website to no avail. As a result, my credit score has been tanking, and it feels like my entire life is crashing down around me, completely out of my control. Months ago, I had repeatedly set up automatic payments, which they cancel without telling me. Rather infuriating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
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 am writing to dispute the delinquency reported by Synchrony Bank to my XXXX. A hacker charged {$7000.00} in merchandise to a Belk credit card issued to me. Belks bank, Synchrony, charged me {$1900.00} of the loss. After I refused to pay for these charges because I had not bought any items on my account, they created a new credit card in my name without my permission, added the debt to that new credit account, and then went after my credit report. I had no access to the newly created account. This represents an attempt by Synchrony Bank to extort money from me by threatening to ruin my credit rating. Furthermore, the amount in the account grows each month as they charge fees and interest. As of XX/XX/2023 the amount billed has increased to {$2300.00}. Synchrony is weaponizing my credit report by attacking my credit rating. They never showed me how they came up with the {$1900.00} amount in the first place. I am not resposiible for the hack ; none othe purchases were mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Care Credit had me fooled into applying for promotional 24 months no interest charges if balance paid within time frame. This was a deferred interest credit promotional offer and I was not aware. Upon the promotion end date, I was charged {$860.00} in interest based on a balance of {$1100.00} owed. My statements weren't mailed out because I opted for digital statements which aren't mailed in detail in email and you must log into their app to view. I wasn't aware of when the promotional deadline would end in XXXX. Due to this I was charged this large deferred interest amount and found out only once the charge occurred by putting this credit card over balance of amount borrowed which XXXX alerted me of credit score changes once reported to the credit bureau. Upon finding out this way this week, I immediately called Care Credit to discuss. They were not helpful, didn't detail what accumulated to the {$860.00} deferred interest charge, and told me nothing could be done to reverse it. How is this possible? This interest charge is absurd for what I owed. I want to know what can be done to appeal or fight the charge. Why would the amount be this high? I am lost for words for what they did and how it was miscommunicated. I don't believe this was fair and should be illegal. I hope to warn others about Care Credit, to be careful signing up with their credit, and be aware of what they did to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX A debt is being reported under my name, and I have no idea of what Synchrony Bank is- I have not ever had a bank account with this bank or a Synchrony Bank credit card. My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX XXXX XXXX XXXX XXXX thus this could have possibly contributed to someone having my personal information in which to open this account. However, I have requested a contract, or actual documents but again ; XXXX XXXX XXXX has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: in XX/XX/XXXX i was informed that his account number ending in XXXX, is being shown not paid in full, even though my {$760.00} payment was sent directly Synchrony via XXXX Overnight Mailed on XX/XX/XXXX. i was told by Synchrony Upon further review of my claim, that the claim and complaint were unfounded, and they say my payment was never received. I sent copy of the original check # XXXX ( from the bank showing paid out ), indicating that not only was the check received approximately a month after the fact on XX/XX/XXXX, but the amount was deposited into the WRONG account ( client name was handwritten on the check by them when they cashed it ) as indicated on the copy of the check, bank reported the check cleared on XX/XX/XXXX I requested that the funds be remitted to the correct account ending in XXXX ( my account ). Name of account that was credited was XXXX XXXX is not me therefore it is up to Synchrony to fix the issue to fix this issue. Last communication was XXXX XX/XX/XXXX through my lawyer demanding a response from Synchrony within 7 days or we would have no choice but to proceed further pending litigation and we have not heard back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these companies to run credit, this is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Air conditioner went outXXXXXXXX came out .were financing XXXX with them..Turned down..immediately called all XXXX national credit reporting agencies. Received al.Nothing wrong.found out it was XXXX XXXX XXXX.Synchrony Bank is the credit agency that cool air-conditioning uses.spent entire XXXX calling XXXX phone numbers for synchrony Bank..Were ALL prerecorded.Needed account # which, of course, had none.Received letter from XXXX that said reason for not able to get financed..I WAS DECEASED! ! Sent copies of bills, drivers license, etc to credit bureaus ... XXXX said it WASNT them..I need your help.I have No one else to turn to ... Perfect credit score, BUT... I AM XXXX and very much alive.Fear this could cause further problems, with ss or retirement. XXXX XXXX XX/XX/23 and XXXX is XX/XX/23
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33917
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been a loyal XXXX XXXX Synchrony Bank ) customer for XXXX years, consistently making on-time credit card payments during this period. However, XXXX days ago, I was taken aback when XXXX XXXX unexpectedly reduced my credit limit from {$500.00} to {$300.00} without sending me a required XXXX adverse action notice, as mandated by the Consumer Financial Protection Bureau XXXX CFPB ). In my attempts to address this matter, I have conversed with XXXX XXXX representatives, namely XXXX XXXX and XXXX XXXX. Both of them have conveyed that they have extensive experience, each having worked at the company for over a decade, and both have stated that XXXX does not traditionally inform consumers of such changes through notices. In fact, they affirmed that they have never encountered a situation where XXXX sent out an adverse action notice to customers. I respectfully asked whether they could provide any evidence of such a notice being sent, and both confirmed they could not. This situation raises concerns as, according to the guidelines set forth by the CFPB, the Fair Credit Reporting Act ( FCRA ), and the Equal Credit Opportunity Act ( ECOA ), creditors are obligated to furnish consumers with a XXXX adverse action notice explaining the reasons for any credit limit reduction before implementing such changes. I am left with no choice but to request documented proof of this notice, as its absence XXXX lead me to contact my attorney, XXXX XXXX, to pursue penalties and damages resulting from the adverse impact on my credit report and personal reputation. Please consider this communication as a formal warning. A third letter, authored by XXXX XXXX, XXXX follow if this issue remains unresolved. I sincerely hope that we can reach a reasonable resolution to this matter and look forward to your prompt response. Thank you for your attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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 made a purchase on XX/XX/23 for {$2300.00}. Original purchase was XX/XX/23. The purchase I did at the store was supposed to be XXXX months no interest however Synchrony placed it in error XXXX months on my XXXX XXXX. I am needing this corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96793
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A