Date Received: 2024-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Unauthorized Inquiry Removal Request Pursuant to Virginia XXXX and Federal Law Dear Sir/Madam, I am writing to you regarding an unauthorized inquiry reported on my credit profile by Synchrony Financial XXXX XX/XX/2022. I hereby express my explicit disapproval and denial of consent for this inquiry to be reported on my credit profile. The unauthorized inquiry conducted by Synchrony Financial lacks permissible purpose as it was undertaken without a court order or my written consent. This action is in violation of both Virginia state law and federal law. Under Virginia Code 8.2-201, only permissible inquiries, which include those made with the consumers consent or pursuant to a court order, are permitted. Additionally, the inclusion of this unauthorized inquiry on my credit profile is a violation of the Virginia Consumer Protection Act ( VCPA ), as outlined in Virginia Code 59.1-200 et seq., which prohibits deceptive acts or practices in connection with consumer transactions. Moreover, this unauthorized inquiry violates the Fair Credit Reporting Act ( FCRA ) Section 604, which stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes. I view the inclusion of this inquiry on my credit profile as nothing short of identity fraud and a severe breach of privacy. Furthermore, the reporting of this unauthorized inquiry is in direct violation of the FCRA Section 607, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information contained in consumer reports. It is imperative that Synchrony Financial takes immediate action to remove this unauthorized inquiry from my credit profile within the next four days. Failure to comply with this request will be interpreted as willful non-compliance, subject to penalties under both federal law and Virginia state law. I firmly assert that this inquiry is unverifiable due to the absence of permissible purpose on Synchrony Financial 's part. I expect prompt action on this matter and confirmation of the removal of the unauthorized inquiry from my credit profile. 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: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
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 requested a credit from Venmo visa for XXXX dollars I have not gotten a call or provisional credit or any assistance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
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 have two co-branded credit cards with PayPal and Venmo, and a PayPal Credit account that are all serviced by Synchrony Bank. As servicer / sponsor for the accounts, Synchrony Bank is supposed to settle the account balances accordingly every month after receiving my endorsed instrument, then communicate certain instructions to their Indenture Trustee for Synchrony Card Issuance Trust, per the Trust indenture. Synchrony Bank still has not credited my account via the electronic funds transfer act for the dividend payment that it made from the Treasury Coupon. There should not be a past due balance on either accounts. I have followed all instructions in the Trust Indenture for instrument endorsement and delivery / notice. I have sent numerous correspondence by Certified mail and by Facsimile to several departments over the past two months that have been ignored, and I am out of patience. As it stands, I have provided Synchrony Bank with receivables / assets of value that were sold to its Depositor and then sold and pledged to its Trust. Generally accepted accounting principles state Anything accepted by the bank as a deposit is considered as cash. Therefore, Synchrony deposited the receivables for CASH VALUE from the Treasury, and has not returned anything back to me of equal value or properly credited my accounts. This signifies fraudulent conveyance, violation of their trust indenture and fiduciary duties, and an uneven exchange. Per their prospectus, my receivables are being used as a significant source of funding to support the Banks business, including supporting the notes the Trust issues to investors. Without consumers allowing them to use receivables and leverage them for other investments, they wouldn't be in business. I have allowed the Bank to this with no adverse action, but as a beneficiary I should not have to bring this to their attention. They know what they are required to do, and they should abide by their prospectus, trust indenture, 8-K, 10-K, and other forms on file with the securities and exchange commission regarding their fiduciary duties. If Synchrony remains in violation of their fiduciary duties, I will have no choice but to open claims with ALL of their regulatory agencies for these violations, file a suit in Delaware Chancery Court, and file Form 3949a naming the Bank and all affiliates listed in the prospectus that have handled my receivables. Fair is fair -- Synchrony can not take receivables from me and not return equal value with no consequences. I also expect to receive the contact information for the proper department to ensure my account is taken care of accordingly in the future. I pray these matters will be handled in good faith.
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: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Email received from Synchrony Bank re : my Lowes credit card and them wanting to charge a ( junk ) fee for my paper statements. I believe this fee for paper statements versus electronic is not a choice but coercion. I as well as millions of others want to continue to receive paper statements without having to pay for them for many reasons as outlined by credit websites : " Paperless statements can present problems, such as the potential for identity theft and the inability to clearly read them on mobile devices '' ; " Chance of Identity Theft b/c a cyberhacker may be able to break into your email account and swipe emailed bank statements. Information on the statements potentially could be used to steal your identity and set up fraudulent financial accounts in your name '' ; " If you're not super tech literate, you might have a hard time accessing digital statements in the first place. You might also find it annoying and cumbersome to track your account activity with digital statements if you're used to using paper statements. In addition, some customers might lack convenient access to internet or wireless services '' ; And it is extremely irritating " to keep track of passwords in order to log into a website or mobile app so you can review your paperless statements. A 2022 global survey by the XXXX XXXX XXXX found that more than half ( 51 % ) of those questioned had reset a password at least once a month because they couldn't remember it. Complicating matters, the use of easy-to-remember passwords can present a major security risk. Be sure to use unique and strong passwords for all your accounts. '' In addition this report from the XXXX clearly states that consumers should have the free choice and not be coercied into electronic statements because of the entity charging a feeXXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX has three different dates on my three credit report They have no exact date of my first date of delinquency. I have reported this account was reported late with the original creditor on In XXXX of XXXX and the seven year window for removing this account is XX/XX/XXXX. My XXXX, XXXX. and XXXX all have different dates when this account to he removed. They only have a partial file and do not have the whole credit reporting from the original creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: So in XXXX I was late due to forgetting my password and not being able to reset cause I didn't have my account number and their automated call system made it impossible aswell. So when I was able to to pay them when I got home from a long trip, I called again and got the late fee dropped, through their automated system again and thought i was all caught up cause i didnt use it all that month. But then when I went to use it in XXXX, the card was shut down. Wasting a trip to the store. Called them while there and spend almost an hour talking with 2 different people. It was a 2 dollar fee that shut me off when I wasn't even 2 months late on that 2 dollars.. they refused to drop the the interest on the late fee and said they couldn't reactivate the card for weeks even if I paid the dollars. So I told them if we can't this solved the way it needs im done paying on either of the accounts I have with them. ( Lowe 's and care credit ) cause I needed a new fridge unexpectedly and my dog needed put down.. the only reason I had a card cause ive been so tired if the credit card companies with their rediculous fees and interest punishments.. they refused to work with me so now I refused to work with them. They are impossible to speak with with all the automation and they should not have a free pass to mess up people 's credit over internal disputes. The people need power to put these companies in check. 2 months of reporting both accounts and dropped my score almost XXXX points. And I need a new roof and other big things to where I might need a stupid loan again. Tired of the debt slavery.. across the board in this country. No reason for it. I'm a combat veteran and constantly getting screwed in this economy due to the fincial tactics and career choice in the metal and construction industry. I should not have to be in debt to build a house ive spent life learning how to do and doing for others! We need change and my reps wan na blow me off recently too. So I've been taxed to and indebted to death with no representation. It's beyond messed up and im beyond XXXX, if you cant tell.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17701
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was reviewing my credit report with XXXX Reporting agency and discovered an inquiry from Synchrony ( Bank ) that was done on XX/XX/2022. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my XXXX credit history and any other agencies that they use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: When I went to the dentist they signed me up for XXXX card with synchrony bank. I cancelled the card shortly after I got home as they did not inform me they were going to charge me for work that was never done, after contacting XXXX dental and getting the charges removed CareCredit still charges some fee or something even though there is no charges on the account and the card and account has been closed. When I try calling its always busy and I can not seem to find a way to email or chat with them about the issue. I don't even know where the card is or what the account number is so I don't know how to move forward but this is messing up my credit and it needs to be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32401
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I want to describe my constant frustration with trying to pay my bill with a store credit account. Most recently I purchased a mattress and needed to use a credit card. I opened an account with them and have had to go through the process of creating my username/password four times- I used a password manager and am incredibly diligent with my information. When finding my account for the fourth time when I went to pay it off, it showed that my account didn't exist. So, I chose to pay the remaining balance as a guest using my account number and it went through. I took a screen shot of the confirmation after the payment. However, I never received ANY confirmation by email that this payment was made on XX/XX/2024 and my remaining balance ( which should be XXXX ). Every other financial institution provides confirmation immediately when you've made a payment. The only email I received was that there was an attempt to login into my account- after it showed up that the account didn't exist. This issue has been going on for months. At the end of the day I believe that Synchrony is a predatory lending company that makes login and payment process deliberately difficult for the consumer so that they can apply late fees, ultimately destroying a credit record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed for arbitration. The judged granted motion for arbitration and to stay the case while we arbitrate.. Synchrony is harassing/intimidating me by sending an order for summary judgment and a list of witnesses against me. What am i supposed to do if I am electing arbitration. Also, I requested for them to pay for the expensive arbitration deposit fee but they are not following up with me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A