Date Received: 2023-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXXYNCB/SAMS CLUB has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SYNCB/SAMS CLUB has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I talked to them on Friday, XX/XX/2023, because I got an email saying that a payment in the amount of {$98.00} was due that day. I did not understand why a payment was due when I made a payment previously. Sams Club failed to process the previous payment which resulted in the {$98.00} and my account being closed. I previously made the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72015
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank credit cards Have had major issues with this company I always paid my payments always paid off my cards XXXX XXXX XXXX - closed with out notice no reason XXXX XXXX credit card XXXX credit limit brought down XXXX. For no reason XXXX credit card - closed for no reason Then they said they closed and lowered because they pulled my credit and I have no mortgage, well house is paid for No vehicle loan - cards paid for Then they said to high of revolving credit use Very well not true all my cards are low balances if not 0 balances They have done this for no reason ridiculous reasons and my credit has taken a huge hit from this. How can they get away with doing this? I could understand if I was an awful consumer who never paid the bill. This is far from the case. If you read there reviews Im not the only 1 they have done this to they do it a lot They need to be stopped because they are not a good bank by treating customers like this. It hurts us as consumers who are trying to keep our credit good by lowering our credit score we take a huge hit for NOTHING!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is regarding the Amazon Store Credit Card from Synchrony Bank. This card offers 5 % credit for all purchases from Amazon.com. However sometimes on check out you will see under 'Payment Method ' in small green writing the phrase : " 6 equal monthly payments '' This happens randomly and there is no way set Amazon defaults so the '6 equal monthly payments ' are not offered. If you continue with the purchase using the Synchrony card - ( and this is nowhere documented by Amazon or Synchrony ) -- you will not get the promised 5 % credit. Synchrony considers the '6 equal monthly payments ' a 'promotion ' and it doesn't apply the 5 % credit to such promotions. However I had no desire for ( nor did I ask for ) such promotions. I only discovered this when see the discrepancy between actual and expected 5 % credits. It was hard to track down -- as the promotion is not uniform. Synchrony offered no satisfaction or compensation when contacted via on-line chat. It was only during the chat that I discovered the reason for the missing 5 % cash back. Looking over my transactions with Synchrony -- I estimate that I've lost between {$50.00} and {$100.00} in 5 % credits due to Synchrony applying this unwanted 'promotion ' to Amazon.com purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2023 last chance, funding decided that they were going to send a XXXX document with a threatening letter to multiple companies against my business and me personally. One of these companies with PayPal and synchrony bank they fell for it. They took the threatening letter and they froze my account starting in XX/XX/2023. They froze my account and made it impossible to make payments to anyone including synchrony bank. Including my paying for on PayPal. They then decided that they were going to report three illegal late payments to my credit. These payments would not have been late if they were able to be made if the accounts were not illegally frozen. My PayPal synchrony account, as well as my PayPal account were frozen without a garnishment judgment or Levy from any legal establishment. And the late payments are erroneous. Being banned from being able to make payments for six months until the lawsuit was settled in XX/XX/2023 when Ive been very promptly paid everything in full they now refused to remove the late payments even though they legally froze the account and kept me from making payments. I want the late payments removed from my credit report. As they were illegally obtained. The accounts werw illegally frozen. PayPal and synchrony bank conspired and participated in this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I apply for credit card care credit I was denied I would like to know the reason why I wasnt approved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reported identity theft to Belk/Synchrony several times. I have provided them with my FDLE Sworn Affidavit and all necessary statements in order for them to properly handle the fraudulent charges. Belk/Synchrony failed to complete a thorough investigation of my account leading them to send my name and account information to collections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Third time company XXXX is reporting incorrect status of my account. SYNCBLOWES Account should be in an OPEN status. I have contact SYNCBLOWES and they have sent 3 forced reports to show account is OPEN & ACTIVE status. I requested XXXX to update through a dispute Confirmation number : XXXX. When this was complete it showed open for one day and the next went back to reporting as closed. All other credit bureaus XXXX and XXXX are reporting this information correctly. I have included the Credit report from XXXX and XXXX reporting correctly. XXXX is INcorrect and not reporting accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have tried to pay my bill off my bill to avoid interest fees and could not set up a payment withdrawal on the date needed. I spoke with XXXX and was told to call back on the day I want to submit. No payment can be manually input for future dates. He was also informed I tried to submit my payment online through the application. I was told I had until XX/XX/2023, to submit {$900.00} to avoid interest rates. This will pay off the bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Synchrony handles the zero-interest XXXX XXXX . I paid off a defective hose ( {$79.00} ) and sent it back to XXXX because it had several leaks. ( Found out they charge {$8.00} for the shipping label. ) After several weeks I called Synchrony who noted, yes, we see the hose was returned. We will issue you a refund for {$53.00}. When I pointed out I had paid {$79.00}, they said they would need to deduct {$26.00} from my refund check for " outstanding balance '' at XXXX on an XXXX XXXX XXXX. I had set up " 5 easy-pay '' monthly payments on the hair product and had 2 payments of {$10.00} left- the first of the 2 payments was not even DUE for 2 weeks. The last payment was due in XXXX. When I pointed out that these were 2 separate transactions/agreements with XXXX and they had no right to take MY money that I had already paid - and use it to PRE-PAY my easy pays for me with XXXX -- they claimed " our hands are tied ; it won't LET US make refunds when you owe XXXX any payments. '' If this isn't illegal, it is surely unethical. They are tampering with the consumer 's budget, deciding how my agreement should be managed, taking money out of my pocket that was already tendered for a defective product. Synchrony is making interest off my money in their bank account.. and off of millions of other people 's money. I received the refund for {$53.00}. My balance at XXXX is still showing I owe them {$8.00} for the shipping label and 2 payments of {$10.00} for the last two easy-payment on the hair product. Calls to synchrony- they say they will need to transfer me to XXXX. Customer Service at XXXX has no remedy. Widespread theft is what I think it boils down to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A