Date Received: 2023-09-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Care Credit opened XX/XX/2022, sole purpose to use for medical needs as they arise. Used XX/XX/2022 but paid balance off in XX/XX/XXXX, carried XXXX balance with a limit to use for future needs. Care credit closed acct at the " recommendation '' of the credit bureau bc it had a high risk negative effect on my credit! A good standing account with XXXX balance owed. Advised me to reapply for a NEW card/account and of course I was now denied. My credit score was directly impacted by CLOSING of account by Care Credit/synchrony bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Fraudulent inquiry dated XXXX. I asked the inquirer ( JC Penny ) and the credit bureau ( XXXX ) to remove this fraudulent inquiry. Both parties have disregarded the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX of 2022, I purchased furniture from XXXX 's using my Synchrony Home credit card. I received a 24 month, 0 % interest promotion. I created an automatic payment to be applied to my purchase in excess of the minimum required in order to have it paid off by the promotion 's end. Then, 1 year into the promotion, XXXX of 2022, I purchased an additional piece of furniture with a 2 year 0 % interest promotion and applied {$1300.00} to my Synchrony account. Unbeknownst to me, Synchrony Bank applied the payments I was making to the smaller, shorter promotional balance and paid it off earlier than expected. Then at the end of the initial promotional period stated I had not met the promotion 's terms ( for the 24 month, 0 % interest ) and applied {$1300.00} in interest, virtually doubling my amount owed to Synchrony. When I called and inquired, they stated they " didn't know why the payments were applied the way they were applied, but that I owed the {$1300.00} in interest ( to my {$1300.00} outstanding balance ). They said that interest is applied based on the purchase price, not the outstanding balance. After discussing this with them, I realized that the store had not submitted properly the promotion they told me about on the 2nd purchase, so it was applied at 12 months, 0 % interest. I then asked them to recalculate the interest after having applied the payments to the first purchase correctly, which would have paid off the initial {$2500.00} purchase prior to the end of the promotional period. They said they would not do it and that if I paid the outstanding balance immediately, they would waive the interest ( since I was still within the 1 year promotional period on the 2nd purchase ). I immediately paid the balance and am still awaiting the credit for the interest that should not have been applied, or was applied based on an incorrect calculation. This is unfair deceptive acts and practices ( UDAAP ) to arbitrarily apply payments to the smaller more recent purchase than to the first purchase. If I had known how my payments would be applied, I would have called their attention to it and made payments differently ( i.e. increased my automatic payment to ensure it was paid on time ). Furthermore, in their online portal, I could only see statements for the previous 1 year. Not even far enough back to see the original purchases applied to my account. To my astonishment, the customer service rep could not see the statements either. In this day and age of electronic statements, I should be able to view, at a minimum, 24 months if not more. Per Federal records requirements, records are to be maintained for a minimum of 7 years. Is it too much to ask to be able to view at least 2 years electronically if I have signed up for electronic delivery of my statements? I have multiple accounts/cards with Synchrony and am concerned with the way they do business to pray upon individuals for gain. I am fairly astute when it comes to matters of finance ( I work in financial services ) and understand the deferred interest programs. Even with this knowledge, Synchrony managed to skirt the rules of fair and accurate disclosure and reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: As a frequent shopper at tj maxx I was used to them asking me to apply for their credit card but I always declined. Then one day they started peer pressuring me into signing up I got to putting in my social security when I expressed I was uncomfortable with opening a new line of credit and wanted to back out. Not long after I got a notification that they did a hard inquiry on my account for a card application I never thought couldve went through so I want that taken off I never gave my consent to send that through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To whom it may concern, I am wanting the inquiry from SYNCHRONY FINANCIAL to be removed. My application on XX/XX/2023 was denied and I have no issues with my credit or any other outstanding financial debt. I am employed and financially stable, there should have been no issues during this process and no reason that my application was denied therefore no reason to have a hard inquiry on my account for a closed/unopened credit line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: SYNCB/Home Design is engaging and identity theft by unlawfully sharing my nonpublic personal information with third parties without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is the 3rd issue in 12 months. I mailed a check for payment on account on XX/XX/23 for {$50.00} and then on XX/XX/23 I mailed a check for {$140.00} for a charge incurred on XX/XX/23 well within the billing cycle. Neither check has cleared yet. Checks sent to other businesses sent on those dates have been received and cleared. XXXX checks have not been removed from the mailbox Previously checks have been received and cleared within 4 days. This is not the first issue with this company. I have had checks improperly recorded on amount and been charge service fees on payments made, recieved and recorded within 4 days within the billing cycle. These people should be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is from synchrony Lowes and belongs to my wife not me they confirmed this on the phone that I am no lo and authorize user and I said please tell me why you guys are putting this to my credit. They said they would need a copy of my Social Security card and drivers license. I will choose to give that to them and said this is the violation. Do you know Im not an authorized so please stop reporting to my credit report because youre in violation of 15 USC 1681 they have reported late payments, and a card. It is not belong to me. im asking please have them remove it from my credit report as is this is in violation of my rights as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I received an email titled " security alert '' saying that someone used my Paypal account, and I have a balance to be paid. My PayPal account has been frozen for four years, as I am paying it off. The email came from ; XXXX. My social security identity has been stolen, I discovered recently. I don't know if this is related, but this is just an fyi. They are attempting to get me to pay for XXXX XXXX XXXX in the amount of XXXX. This may be an attempt to get me to open an attachment sent with the email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: I opened a XXXX XXXX credit line of {$1000.00} in XX/XX/2022. Approximately 6 months later my credit line was decreased to {$700.00} ( my balance at the time was between {$600.00} and {$700.00} ). I believed at the time it was due to a possible late payment. I recently went onto my account to schedule payments ( I usually schedule 2-3 months of bi-weekly payments ) and noticed my credit limit was decreased to {$400.00}, my available balance was {$52.00}. When I contacted Synchrony Bank, the representative told me it was decreased due to the credit checks they do every 6 months. Eventually, as I pay down my balance, they will continue to decrease my credit limit denying me access to use the card. I then asked if Synchrony Bank owned XXXX XXXX, she answered yes. This also happened with my XXXX XXXX XXXX which only had a {$300.00} limit at its highest. Then it went to {$200.00} as I made payments, then {$100.00}. I paid off my balance at one point and when I went to purchase something I was declined. When I contacted the number on my card they advised me it was due to my credit scores. Not only was I never notified in writing of these changes in my credit lines, I was also not notified of my XXXX XXXX card being closed altogether. These frequent credit checks are affecting my over all credit score ( not great, but I don't request things often in order to protect what it is ) and those credit checks stay active on my account for 2 years. I have a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and have never had issues with payments or credit line decreases. Its the opposite with them actually. They increase my limit without me even asking. As of today, XXXX shows XXXX ( up XXXX pts ) and XXXX XXXX ( up XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14216
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A