Date Received: 2023-09-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 the due date for my Amazon store card, I attempted to pay the rest of my previous statements balance on my Amazon store card " managed '' by Synchrony, via the link on my Amazon account. Even though I had already successfully made my minimum required payment about 2 days earlier using the link at Amazon, this time the link was no longer available. I did not know how to reset it so I called Synchrony to either fix this problem or to allow me to make a payment ( about {$710.00} ) another way. Synchronys agent who tried to help me at first did not see that I had already paid the {$40.00} minimum ( about 2 days earlier ) and initially told me that in order to avoid interest charges I would have to pay {$750.00} ). He eventually saw that I had already paid {$40.00}, so that {$710.00} would indeed be enough to cover the last statements entire balance in its entirety. He then asked me for the routing and account numbers ( bank ) that I wished to use to make this payment, and I provided them to him by reading them to him off one of my checks. He accepted this form of payment. Several days later ( XX/XX/XXXX ) I received an a-mail from Synchrony that my payment for this {$710.00} had processed. But, then on XX/XX/XXXX I was notified that it hadnt! Synchrony charged me interest on these {$710.00} and it closed my account and stole the 5 % rebate that I had accumulated in recent weeks. I have used checks bearing these same numbers many times and had only a few days earlier successfully made an online payment using them elsewhere. All of these matters seem to be a result of Synchrony not being able to find a bank 's routing number and then taking a week to say so- so that they can try to charge customers interest and apply whatever other punishments they think that they can get away with. I should point out that around XX/XX/XXXX I also complained to Amazon directly about Synchronys incompetence, greed, etc., so, maybe Synchrony decided to close my account to retaliate against me for daring to complain to Amazon about them? Furthermore : A similarish situation arose with Synchrony and me earlier this year. I also complained then to your Bureau- but after temporarily becoming reasonable, they have forgotten their lesson ( s ). If a bank displays such questionable behavior to a customer of a huge company like Amazon to which they are a vendor and gets away with it, what should we expect from banks who do not stand to lose such a huge account ( Amazon, in this case )? It also seems to me that it is wrong for any financial institution to shoot first and ask questions later - i.e., to not find the right bank info numbers + then to charge the customer interest, late fees, etc. It seems that the fault in not being able to process a payment is theirs, not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have just received a call, first from a company, referencing a number that I have to call regarding legal documents. When I called this number, I spoke with XXXX XXXX from GE Capital Bank. He told me that I owe on an account that was active from XXXX a total of 10 years old. He told me that he was suing me for an abandoned line of credit that I had never heard of or paid on. The original amount that was supposed to be left on this account was {$1800.00}, but they are suing me for {$4300.00} with added legal fees. He told me that I should have received legal documents at my address 90 days ago. I had not received any legal documents. Im positive, so he is lying. On top of that shouldnt a statute of limitations be up on debt collection for something this old? He did not know what line of credit except that it was from Sam 's Club, XXXX, XXXX XXXX etc., or something like that but I have never owned a credit card for a retail establishment. I hardly owned a credit card at all. He couldnt tell me anything even though he said he had the documents in front of him and they would be with us in about 3 days. This is very suspicious, and then he threatened that I only have a handful of days and I will have to show up in court for about 3 days in less than a month. I had never even seen any of this on my credit report to dispute originally which is my right. XXXX called from XXXXXXXX XXXX and the main number is XXXX and XXXX number is XXXX. If XXXX disputes any of this I have him on recording.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit report says that I tried to open up an account with this particular company and I never did but theyre on my credit report as a hard inquiry which is affecting my credit score and I would like it gone because Ive never did it I know nothing of it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12208
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: 2023-09-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I opened a BP credit card on XX/XX/XXXX. Because I was barely using the card, the company closed my account on XX/XX/XXXX. The status is " Paid, Closed ''. I did not have any balance on this card but I noticed that they have reported XXXX late payments. I am trying to contact the company to resolve the issue ( or pay the amount if it is my fault ) however the BP accounts have been transferred to SYNCB. SYNCB has no information about my account. This problem has significantly reduced my credit score and I do not know how to resolve it or who to talk to. I disputed this on XXXX but no information came out of that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94402
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : SYNCB/PPC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Credit Card for Discount Tire which is one of Synchrony Banks Credit Cards. I am being charged a late fee starting XX/XX/XXXX ( 29.00 ), XX/XX/ ( 40.00 ), XX/XX/XXXX ( 41.00 ), XX/XX/ ( 41.00 ) for paying my monthly bill early. Iget paid on the first of every month and I pay my bills then. I also get paid on forth Wednesday of the month. I reached out to Synchony Bank as inquired why the late fee 's. They Told me because I PAY MY BILL EARLY. There billing cycle is from the 5th to 28 th of each month. If I pay before the 5th of each month I have a late fee charged. This is absolutely ridiculous. This practice is wrong in so many ways. They are getting there money every month on time or a day or two early and I get charged for this. I included a statement showing late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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 booked three airline tickets for {$700.00} on XX/XX/2022 by XXXX XXXX for a segment in XXXX XXXX on XXXX using PayPal credit, but cancelled within 24 hours after finding that we can not complete the trip. XXXX XXXX as with all US carriers has full refund policy within 24 hours of cancellation. I informed PayPal Credit administered by Synchrony Bank of the situation right away, and several times later after they continued to bill me. I called XXXX, who refused to work with me, saying that they only deal with the credit card company since I disputed the charge. After so many months they still can not resolve the issue and continued to bill me and reported to the credit agency. Each time I called, the phone handlers at both XXXX and Synchrony Bank told me a different story. Such incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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: In XXXX of 2022 I purchased a power tower, Olympic bar, pull up bar, barbells, dip bars, and weight bench. The pull up bar was missing items, the dip bars were cross threaded and missing items, the weight bench was torn and missing spacers, the barbells never even arrived. XXXX refunded the barbells and promised a 20 % refund for the order as well as I could keep the dip bars and pull up bars with a full refund on that. I only received the refund for the Barbells. I have since then filed an excess of claims with Paypal, had them approved, and then had the charges reassessed. I have had 2 American customer service agents agree the charges shouldn't have been reassessed. I have spent in excess of 20 hours on the phone with these people instead of working for my customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 244XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on XX/XX/XXXX of {$14000.00}. The money was received by them and taken out of my XXXX XXXX account on XX/XX/XXXX. As of now, they have been holding my money and will not apply it to my available credit. Basically they are holding my money XXXX because I made such a large payment. How can they hold my money when they have it? The payment even shows up on my synchrony account as posted, but it isnt posted. They refuse to release my available credit until they feel like it, I was told it could be up to XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A