Date Received: 2023-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a XXXX man. My dental and medical expenses are covered by XXXX XXXX In or around XXXX, I went to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My previous dentist did not take my insurance, XXXX XXXX and so I was looking for a new dentist. I found XXXX XXXX XXXX when I was driving around XXXX. At the time, due to the need for a XXXX XXXX XXXX XXXX I was in extreme pain and was seeking assistance as soon as possible. I went in as a walk-in appointment to XXXX XXXX XXXX that same day. When I went into XXXX XXXX XXXX for assistance, I informed them that I have XXXX insurance coverage. While I was in the procedure room and in the examination chair, the dentist informed me that XXXX XXXX XXXX did not take my insurance. The dentist then stated that since they did not take my insurance, they wanted to see if I qualified for credit. The dentist did not specify XXXX XXXX, nor did she provide me with an estimate of how much the procedure would cost. The dentist then left the room, leaving me in the procedure chair. When she returned, she stated that I qualified for a {$3000.00} credit line with XXXX XXXX. After I was informed that I was approved for the line of credit, the dentist immediately started working on my teeth without further explanation. I was not informed of the cost of the procedure, nor did I knowingly sign any contract for the credit card. The dentist conducted the XXXX XXXX XXXX XXXX XXXX XXXX About XXXX days after the initial procedure, the filling fell out. I called XXXX XXXX XXXX to inform them that the filling fell out and I needed immediate care. The same dentist told me to come in for another appointment and XXXX XXXX XXXX XXXX XXXX. The dentist did not explain if there was going to be a secondary charge for the second appointment. When I got home after the second appointment, I noticed a giant gap in the filling. I called XXXX XXXX XXXX and requested that they remedy the situation, and XXXX XXXX XXXX informed me to come back in for a third appointment. That same day, I went back to the XXXX XXXX XXXX, and they did an Xray of my teeth. At that point, the dentist stated that they would have to remove my molar next to the filling. I stated that I did not want to get rid of a perfectly fine tooth. The dentist stated that removing the tooth would fix the gap issue in my filling. I expressed concern and stated that her suggestion did not make sense as to how removing a molar would fix the gap in my current tooth because it would make the area bigger. The dentist from XXXX XXXX XXXX stated that if I was not willing to remove the molar, there was nothing else she could do, and they refused to assist me further. After the third appointment, I received the XXXX XXXX card in the mail. A few days after the card came in the mail, I received the first bill to the XXXX XXXX card. This was the first time I learned about the cost of the procedure and the balance of the debt. Upon seeing the balance, I immediately contacted XXXX XXXX by phone to dispute charge of the credit card. I informed XXXX XXXX associates by phone that the procedure was not done properly and there was still a gap in your tooth. XXXX XXXX informed me that they would investigate. I reached out multiple times via phone to follow up on the investigation, however, I did not receive evidence of an investigation nor results from said investigations. XXXX XXXX XXXX charged me for dental work that was improperly done and entirely unbeneficial to me. After my experience with XXXX XXXX XXXX, I went to another dentist, XXXX XXXX XXXX, for a consultation. XXXX XXXX confirmed that the tooth was still unrepaired, and that my filling was not done properly. XXXX XXXX also informed me that the removal of my molar was not necessary to remedy the gap in the filling. As of XX/XX/XXXX, the tooth remains unrepaired, causing me pain daily. Food particles are consistently stuck in the gap of the tooth, causing me constant discomfort. In my most recent account statement, it appears that XXXX XXXX cancelled the dental charges. However, XXXX XXXX continues to charge me late fees and interest on the cancelled balance.
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: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Dear Sir/Madam, I am writing to express my concerns regarding my experience with Synchrony Bank and Care Credit. Recently, I required a root canal that was not covered by my insurance and I had insufficient funds to pay for it myself. A Care Credit representative assisted me with online signup and I proceeded with the root canal. During the sign-up process, the representative informed me that the first 18-24 months would be interest-free, with interest applied afterward. However, I was not informed that accumulated back interest would be applied if the amount was not settled within the interest-free period. When the interest-free period ended, I was left with a balance of approximately {$530.00} on my card. To my surprise, when I checked my balance for the next payment, it had increased to over {$1600.00}. This put me under financial stress and significantly lowered my credit score from the XXXX to the low XXXX. I have made several attempts to contact Synchrony Bank to discuss this issue, but I have been met with unhelpful and uncooperative attitudes from both customer care representatives and supervisors. Despite requesting the account 's closure, I continue to receive robocalls and daily emails from Synchrony Bank. Had I known about the back interest during the interest-free period, I would not have agreed to the card. I feel that this is a deceptive marketing tactic and poor business handling. I would appreciate any assistance you can provide in resolving this matter. I am willing to continue paying down the balance of the card before they apply all of the back credit. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Had a 2 free interest card. Instead of making the payments to be completed at the 2 year mark, synchrony put the 30 percent interest on the card after 2 years to make my balance nearly doubled! When this came due I was in the XXXX with XXXX and was not aware that the 2 year period ended. Who keeps track of what is due in 2 years! Especially during a pandemic! This is an intentional process by synchrony to double all balances with hidden excessive interest charges that are hidden behind so called interest free cards!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11793
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my formal complaint against both accounts in relation to SYNCHRONY, a financial institution, for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974, 5 USC 552a, as well as additional pertinent statutory and regulatory provisions. This complaint revolves around Synchrony 's transaction reporting violations, invasive breaches of privacy, and disregard for consumer rights. The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), underscores the paramount need for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and a profound respect for consumers ' privacy rights. This principle is further echoed in 15 USC 6801, which mandates that every financial institution, including Synchrony, has an affirmative and ongoing obligation to uphold customer privacy and safeguard the security and confidentiality of nonpublic personal information. However, my complaint centers on Synchrony 's transaction reporting violations, unauthorized inquiries, and their disregard for privacy rights. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report solely " in accordance with the written instructions of the consumer to whom it relates. '' Neither Synchrony, the financial institution, nor the consumer reporting agencies, XXXX, XXXX, and XXXX, sought my consent, let alone written consent, to furnish this information. Consequently, I hereby formally revoke any and all consent, irrespective of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and Synchrony. Furthermore, Synchrony failed to inform me of my right to exercise my nondisclosure option, as stipulated by 15 USC 6802 ( b ) ( c ). This represents a clear violation of federal regulations. Notably, 15 USC 1681C ( a ) ( 5 ) mandates that no consumer reporting agency may compile a consumer report containing adverse information without proper authorization. Synchrony reported adverse information without my consent, thus violating federal law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) specifies that a person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Synchrony has furnished inaccurate information, leading to harm and potential financial consequences for consumers. Moreover, XXXX, XXXX, and XXXX, the consumer reporting agencies, have failed to maintain reasonable procedures, as required by 15 U.S. Code 1681e. These agencies have reported inaccurate and inconsistent information, causing harm and confusion. In light of these severe violations, I request the CFPB conducts a thorough investigation into Synchrony 's actions, encompassing transaction reporting violations, encroachments on privacy, and disregard for consumer rights. I further request that appropriate actions be taken to rectify these infringements and that Synchrony be held accountable for its failure to adhere to statutory and regulatory requirements. Any account information you require of me, please let me know and I will be happy to furnish the information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-09-26
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: I was making timely electronic payments on a Matress Firm account purchase. Those were made from my bank account and the last ( paid-in-full ) payment of {$240.00} was made on XX/XX/2023. However, Synchrony bank still did sent me a statement with a delinquent amount which also included a fee. I phoned call it and I was told that the payment had been wrongfully posted into another account, but I was promised that it will be corrected and applied it to my account. However, in XXXX the bank sent me a statement requesting the payment. I called them again and was told that a refund check was sent to me in the mail, which I did not received. Again, I was promised that-since I did not get any refund check- they will apply the payment and cancel such check. They failed to do so and Since then I had been calling and calling to get the issue fixed, as well requested written confirmation of the promises made on the phone conversations with them. But nothing has been fixed, rather the bank is now adding charges to the final balance, but failed to sent me statements since XXXX. It only keeps emailing me, improperly requesting the payment which I already made since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Filed first dispute with XXXX on XX/XX/XXXX because Synchrony Bank reported that I was 60 days or more late on a payment ( < {$10.00} ). This was incorrect - Synchrony made an error charging me fees on a closed and fully paid account- I contacted them, they removed the incorrect charges and assured they would report to credit bureaus I had no delinquent payments. I filed a dispute with XXXX and they closed the investigation XXXX stating the original ( delinquent payment ) information submitted by XXXX was correct. I reached back out to XXXX using chat to get documentation stating that I should have NO LATE PAYMENTS reported - I screen-shotted this for documentation and filed a second dispute with XXXX XXXX and provided the screen shots, account information showing XXXX removed the charges ( my report showed that I had paid the $ - I did not ), and details of first conversation with XXXX with the agents name and location, and the date we spoke. Got results from the XXXX dispute XX/XX/XXXX which shows " We investigated the information you disputed and updated : Date Updated; Original Charge-Off ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' No further details or explanations, and this jumbled jargon makes absolutely no sense to me. Nothing was changed on my report. I used the XXXX chat function on XX/XX/XXXX and spent nearly XXXX minutes seeking help to then be told the dispute results were confidential and they could not help me, and to file a new dispute. I called the XXXX number on XX/XX/XXXX and spent several minutes speaking, asking for someone who could explain the investigation results to me, and an agent told she could not help with that and to file a new dispute. Requested a supervisor. She said she could not help, I need to call the dispute department and gave me the same number to call that I had just called. Called again - waited for nearly XXXX minutes with no one taking the call. I had to get back to work. I filed disputes with XXXX and XXXX as well, and they also closed the investigations stating the info was confirmed as correct. I asked XXXX several times to provide me with documentation that shows what information was updated/corrected and sent to each credit bureau XXXX but they refused to provide vial email or snail mail. XXXX tells me to contact the credit bureaus. It is a viscous circle with no way to track information exchanged or get documentation to resolve. My credit score has been near XXXX for decades. This error, of less than {$10.00}, has caused my credit score to plummet to the mid XXXX. XXXX needs to be held accountable for their failure to properly investigate, to provide adequate information to me upon request, and having no means of communicating with the company after filing the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: I never applied for credit card with SYNCB/JCP. I saw it appeared on my credit report as Hard pull inquiry. I need to have it removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had 8 accounts with Synchrony accounts- Amazon, Pandora, American Eagle, Crate & Barrell, JC Penney, TJ Maxx, Verizon and Care Credit. I have paid every account on time for years, used the accounts, and even paid over minimum constantly. Synchrony closed all accounts and when I asked why they said I was a high credit risk. They also said I could reapply, which I did for a few, only because I used them constantly. I was automatically approved, which is funny since I am a high credit risk. By them closing my accounts, they have tanked my credit score, and if makes it seem as if I dont pay bills or look bad to other creditors. Something needs to be done about credit bureaus, they affect lives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: " I recently discovered several hard inquiries on my credit report that I did not authorize. Upon further investigation, I found out that these inquiries were made by SYNCHRONY FINANCIAL. I have never had any dealings with this company, nor have I given them permission to access my credit report. I suspect that my personal information was obtained fraudulently. A few weeks ago, I received an email that appeared to be from a company I frequently do business with. The email claimed there was a security breach and asked me to confirm my personal information. I now realize this was a phishing scam. I am deeply concerned about the impact of these unauthorized inquiries on my credit score and the potential for further fraudulent activity. I request that SYNCHRONY FINANCIAL immediately remove these hard inquiries from my credit report and take steps to ensure this does not happen again. I also urge them to investigate how they obtained my personal information and to take appropriate action against any fraudulent activities. I would appreciate your assistance in resolving this matter and protecting my personal and financial information. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A