Date Received: 2023-09-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: for about a year now I have not been able to pay my bill online where I should be able to .. there is a problem and I tell them they need to fix this .. this is ridiculous that i can not pay my bill as i want to and should be able to..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Synchrony bank is not allowing me to move money to an external account. They have turned off all access to external account on their app and website. Only by calling am I able to move money out of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98087
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX I purchased a treatment plan for dental aligners from XXXX. To purchase my aligners and begin treatment, a representative from XXXX care team walked me through their payment options. Under her advice I set up a payment plan by opening a credit card account with Synchrony Bank/Care Credit . - I opened the Care Credit acct to make one purchase of XXXX offered at a 36 month promotional/deferred interest period. A payment plan was set up to pay off XXXX $ a month, estimated to take a total of 28 months to complete. No other purchases have been made with this card. - Purchase was made on XX/XX/XXXX, last payment estimated to be XXXX - I called Synchrony Bank on XX/XX/XXXX and this information was provided to me by an employee. I was advised that when my original purchase was paid off, the interest accrued on my account would be waived and I could close my account at that point. This was carefully explained to me by the employee with no room for misinterpretation. - I made my final payment and CLOSED my account oXXXX XXXX. On XX/XX/XXXX alerts for a due payment continued to be sent. I called Synchrony and after being passed around to a variety of departments, employees seemed unfamiliar with the promotion my account was opened under and I was told I must pay off the XXXX $ in interest accrued on this credit card. They suggested I call XXXX aligners to resolve the issue which seems absurd to me. - Due to my dispute with these services, I have made no further payments. As a result, late penalties have been accruing and they have notified me they will report this to credit bureaus. I'd like to emphasize the terms and agreement were not fully explained to me and were sent after I opened this credit account. In the agreement, there are written examples of promotional periods up to 24 months used to explain their promotional policy. I dont have access to any more information on the details of the particular promotional period I was enrolled in either from Synchrony Bank/Care Credit nor my XXXX account. The app used to make payments offered no further information, but directed me to call customer service. The only way I have been able to find any information throughout this ordeal has been by calling the company. The only document that was sent to me in writing was the 'Credit Card Account Agreement'- Terms for the lending agreement. The document says my account agreement applies to any special promotion, and that any special promotional terms different than the agreement will be explained on promotional advertising and other disclosures provided to me [ Terms explained by XXXX, Customer Services for Care Credit falls under this ]. I have closed my account, and therefore can no longer access any online, past bank statements, documents or other information regarding it. I have no documents I can upload to this complaint. The section for Special Promotion Financing in this document outlines the same terms explained to me when I purchased the XXXX kit and what the credit company 's customer service explained to me when I called them on XX/XX/XXXXXXXX I have notified my lawyer and this complaint is the next step I have taken to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a JCPenny XXXXcard, and I had a payment due on XX/XX/2023. I went to the store on XX/XX/XXXX, to make a payment as I always did. I had XXXX checks XXXX for {$600.00} and another for {$900.00} adding up to {$1500.00}. The amount on the statement that was owed was {$1300.00}. She did not give me a receipt for the second check, so I asked the manager for one. He was able to print one up, so I put everything in my purse. I did have my granddaughter with me for school shopping. I receive text messages from my bank about my account. I received one on XX/XX/2023, that I had {$1300.00} in my checking account. Then XXXX hour and XXXX minutes later, I received another text for a withdrawal of {$1500.00}. Then checks started bouncing. I looked at my JCPenny statement and the receipts and saw she charged my checking account {$1500.00}, not the {$900.00} It was made out for!! So, I called the bank and to them what they did. They called the credit card company and they put the money back into my account. Now the statement says they put it back on XX/XX/XXXX and on the same day charged me {$50.00} late as they never received the money!! So I called the credit card company to dispute the charges, that it was their fault, not mine, They keep saying I got the money back and according to my bank did not get the money back till the XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 031XX
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I received a call from Synchrony Bank- a bank I do business with. The representative asked my security question to verify my identity, and I said that I would not answer, and would call the bank directly myself. When I did so ( within 5 minutes of the call ) I was told that the call was legitimate, and they wanted to know if I added an external XXXX XXXX account to my Synchrony acct- which I absolutely did not. They then asked if I also attached a Green Dot bank external account- again, I absolutely did not. I was told that TWO transfers, each in the amount of {$30000.00} were made from my account- one on XX/XX/XXXX ( the day of the call I received ) and another on XXXX XXXX for a total of {$60000.00}. I was initially told the XX/XX/XXXX transfer could not be stopped, but it was. HOWEVER, the XX/XX/XXXX transfer could not be stopped. I have not, for many years, made withdrawals from this account. I have XXXX account attached to it, from XXXX XXXX XXXX Bank. Each month for many years, I make a monthly deposit of {$200.00} to keep the account active. Each month, for years, I would receive an email from Synchrony Bank, informing me when my {$200.00} transaction was initiated, and when it was finalized. I received NO NOTIFICATION when not only a new external account was attached to my Synchrony account, but when transfers of {$30000.00} were made. How, in this time when fraud is rampant, does this happen? WHY was I not notified? As per Synchrony, I filled out and submitted affidavits of dispute of these transfers, and sent them via XXXX on XX/XX/XXXX, and they were received on XX/XX/XXXX. Since that time, I have had only one phone call from them, to confirm that the XX/XX/XXXX transaction had indeed been canceled but not the one for XX/XX/XXXX. The representatives I speak to have told me XXXX different things : that the investigation would take XXXX business days ; that the date to resolve this issue was XX/XX/XXXX ; and that there IS NO TIME FRAME. On XX/XX/XXXX, I logged into my Synchrony account to find that a provisional credit was issued. In my notifications section, there was a document stating as such ; it also said that if it turns out there was no fraud, they would take the money back. Please note that I received NO phone call regarding this provisional credit ; if I didnt log in to my account ( and have been daily ), I wouldnt have been aware of this until I received the same document by XXXX mail a week later. I called again on XXXX, and again, received no concrete information regarding when this investigation would be completed. I do not feel that the bank is doing anything to expedite this matter and return my money. I have given them the opportunity to rectify this, but each time I call, it is clear there is no sense of urgency to resolve this. I have a log of each time I have spoken to them, the time of my phone calls, and the duration of each call. I am a retired woman on a fixed income, and because of this issue, my account is restricted. Filing a complaint is clearly the only way to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11414
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On Sunday XX/XX/23 I was making a purchase on the Lowes online store site and as I was getting ready to pay I noticed a link at the bottom of the page with the first letter of my name a " XXXX '' not a " XXXX '' where my name and address matches my form of payment my Lowes credit card. I clicked on the link to update my name and it would not change my name. Immediately after making my payment to the site, I received a pop on my screen from XXXX XXXX XXXX while my VPN is on advising XXXX thwarted a XXXX XXXX XXXX on my account. The Synchrony Bank account is not secure and infected by a virus displaying my account info. I made the purchase via the actual Lowes website and not redirected to a fake website. I tried contacting Synchrony Bank just now and was transferred to a black hole. I proceeded to call back and the wait time is over 30-minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to address an issue with my Synchrony Bank ( TJ Maxx ) account. My bill is due on the XXXX of each month, and I consistently paid between the XXXX and the XXXX and sometimes earlier. Despite receiving confirmations of my timely payments, my account was repeatedly marked as past due. However, when reviewing past statements it does not indicate repeated dishonored payments. Upon contacting TJ Maxx, I was informed that payments made the day before the due date could still be considered late due to a 48-hour posting delay in their system. However, this information is not available on their website. Because of this confusion, I was charged an extra {$100.00}, resulting in two payments for the month of XXXX. Although TJ Maxx reversed a {$38.00} late fee when I reached out, they subsequently closed my account. This situation has not only been confusing but has also unfairly impacted my credit score. I seek clarity and rectification on why a payment made a day before the stipulated due date is considered past due without transparent communication regarding the 48-hour posting delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24541
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I co-signed for my daughter to have an operation. She was evidently making payments, but she encountered some problems and stopped paying. She was entered into a long-term drug rehabilitation center and stopped paying CARE CREDIT ( Synchrony Bank ) . I was never informed of this ; however, I was receiving mail for her from Care Credit. I opened the mail since she could not be contacted at that time. I saw that she was delinquent. I called Care Credit and made arrangements to pay the account off with three equal payments of {$370.00} and a final payment of XXXX. I added this plan to my Bill Pay with XXXX XXXX to comply with the agreement. XXXX XXXX sent the payments on time as agreed and forgot about that account. Care Credit never contacted me after the agreement. I applied for a line-of-credit with XXXX XXXX, and they turned me down because the credit bureaus reported a chargeoff with Care Credit. I investigated this and found that they had received all the payments, but only credited one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have credit protection on my several of my synchrony bank credit cards. I filed a claim for a benefit event date of XX/XX/XXXX for XXXX for COVID XXXX and treatment XXXX XXXX XXXX because I was out of work it was approved after the company giving me a runaround making XXXX XXXX fill out several forms, and asking for information. I filed another claim under XXXX for a event date of XX/XX/XXXX for XXXX XXXX deficiency that caused me to be out of work over 90 days. XXXX XXXX submitted a letter stating that I was still under care for being treated for this condition as well as XXXX XXXX XXXX the form required stating that my release of care was XX/XX/XXXX. After those things were submitted my claim was denied. I requested a benefit analyst to contact me because they stated that the claims were related. This is untrue as they are XXXX separate illiness at XXXX different times. I pay monthly fee as a part of my balance for this services and no one has contacted me. It has been escalated several time with out anything being resolved. They also stated that I did not have a balance on some accounts that supposedly XXXX bank provided them bank statements but I have spoke with synchrony several times and they have confirmed that I did have balances on some of my accounts during that time as of XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-09-13
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: These inquiries have been added to my credit report without my authorization! CITI CARDS XXXX XX/XX/2023 SYNCB/DKS XX/XX/2023 XXXX XX/XX/2023 I disputed them with the creditors and credit bureau but they remain on my credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A