Date Received: 2024-03-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/year> an unauthorized payment of {$100.00} was drafted from my account by Synchrony Bank. I have never set up automatic payments with XXXX XXXX or Synchrony Bank. I'd already made a payment of {$53.00} on XXXX. I've had repeated issues with this bank and find them to have unethical business practices. I've experienced them closing my account without warning which in turn damaged my credit. They have also reported my account as late after listing the incorrect information on my account. Every month my payment has changed from {$48.00} to {$53.00} and now this month I was charged {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a PayPal credit card. I signed as I am a longtime PayPal customer I have both my XXXX bank an debit card in the PayPal portal. However since having this card I am unable to link it to the credit card service to pay my bill. I dealt with PayPal that sent me to sychrony bank and synchrony bank said its a PayPal issue. I said when I made my last payment with the rep I cant spend hours of customer service calls to pay a bill with an account already linked with PayPal but not able to link it in credit card payment. So I am past due because of a platform constraint and issue PayPal should resolve. I am not even able to manually enter the routing account number for auto payment it errors in the process. My credit score has been destroyed and this need led to be resolved I want all late fees reversed, my payment bank which is already in PayPal portal be fixed to be payment option for credit card. I also want all negative removed from all three credit bureaus XXXX, XXXX XXXX XXXX I am more than happy to pay if their system and support would correct the issue. This is absolutely absurd a bank I used with PayPal for years prior to settting up this credit card can not link to pay the credit card, PayPal is 100 % culpable and responsible this setup is malicious and predatory on hood consumers willingness to use their services.!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55105
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a care credit from Syncrhony which I only used for XXXX purposes. I was up to date on all payments but the last few months have been having issues with my bank account I used to pay the card. Never missed a payment but I would schedule extra payments and my bank would block them for some reason. Synchrony took this as missed payment even though my minimum payment was XXXX $ I dont have a payment due until XX/XX/XXXX. I tried ti pay the extra payment and it declined apparently when this happens twice they automatically close the account no explanation no attempting to tell me the payment method wasnt going through just instantly closed my account. I was not behind and was way on track to pay it off now my credit score dipped and this has negatively impacted my family. They told me there is nothing I can do and I cant get approved again,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Lowes credit servicer, Syncronny Bank notified me probably as well in a change in terms back in a XX/XX/year> letter, as well as other account holders that we were to set up an online account because they were not going to send any paper bills to your house which started the XXXX of XXXX. And, if you decided to keep the paper bills coming to your house/business you now had to pay {$1.00} per month to keep the paper bills being mailed to your address on the account. Seems to me that this company is trying everything to make it harder to receive paper bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I got a notice about my Synchrony Lowe 's Credit Card, with my monthly statement this month, that said " Starting within the next 60 days, a {$1.00} paper statement fee will be charged to your account each month you are sent a paper billing statement with a balance greater than {$2.00} ( even if one is also provided to you in electronic form ). You can avoid this fee if you set up paperless statements and are sent your statement only in electronic form. '' My question is this : How is that legal? Doesn't that violate the Card Act? The Card Act says that consumers must have access to their statements, and those statements must show their interest rate and how long it will take to pay off their statement paying only the minimum monthly payment. If I log into my online portal through my Synchrony Lowe 's Credit Card the Account summary only shows my balance. It does NOT show my interest or how long it will take me to pay off my card. In order to get to my online statement I have to click in several places to even see that. And I know my login and have a computer. What about someone who isn't computer literate or who doesn't have a computer? Are they even able to get to their statement online? What about through their app? Can you even see a statement through their app? Postage, paper and an envelop do not cost {$1.00}. A regular stamp costs around {$0.00} right now, and paper if bought it bulk- which I assume Synchrony does, costs less than a XXXX a page ( {$0.00} ). This to me seems like a way for Synchrony to be less transparent with consumers, more predatory and give consumers less information and fewer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had this account since XX/XX/XXXX when we moved into our home. I opened an 18-month interest-free account for furniture. I received a notice that some of my bills through bill pay were not going through for about 4 of my accounts. I started researching and calling around and noticed that on XXXX, I saw that I was paying interest and was not supposed to per my contract. Then within that same year, I received a letter stating that my account had closed, I called to ask why it would close and I am still making on-time payments on my account. I never got an answer, but they told me to upload all my documents into synchrony account and wait for someone to contact me. When I noticed no one had reached out to answer why the account closed and why have I paid interest on an interest-free 18-month loan, I realized I could no longer get online. By this time, I had always paid more to my accounts and the monthly was {$80.00}. I reached out to the bank and asked why my payments arent being received per the rep statement from Synchrony. I explained that it was autopay through my bank and uploaded it to the system for review. My XXXX payment showed that it was sent but I am waiting for the other party to add it to my account. She also stated that they were electronically sent so they should have had it by now ( XXXX ). Along with these payments of {$80.00}, they always added {$41.00} interest and other fees. Now I can give you all the dates that I can see from my side, but the banker showed they had it but was not added to their account. The company does not answer my calls or messages. Do not forget that they closed my account prematurely as well. So, as I was waiting, trying not to confuse the situation with the back and forth between the two companies, XXXX stated they would send the document and I uploaded it for the second time. I got no answer, so I went ahead and started sending payments that I could see without ordering more paperwork. Please tell me why interest is still on my account, they closed my account prematurely, and my statements all have the amount due over {$80.00}? Also, they had me down for some kind of insurance and they never sent me the check back where I did not ask for that coverage being I have insurance with my job for if I lose a job they would make my payments. Please see below for payments. XX/XX/XXXX {$100.00} ( {$35.00} overpayment ) XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX Never was entered XX/XX/XXXX {$80.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$130.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX Synchrony pay pal responded stating You agreed and consented to the terms and conditions of the account via electronic method ; therefore, no physical copy of the application is available. 15 U.S.C. 1692 g required validation of a debt by the original creditor with signature from the consumer agreed to the terms and conditions and payment. A Bills doesnt validated a debt and acknowledged of having the wrong address show inaccurate reporting and third XXXX XXXX have no suffix on mine name another inaccurate reporting to the credit bureau . Originally Creditor by laws must validate a debt to continue to report it is illegal and violates FRCA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. Inquiry company : XXXX XXXX XXXX XXXX date : XXXX XXXX Inquiry company : XXXXXXXX XXXX inquiry date : XXXX XXXX Inquiry company : XXXX inquiry date : XXXX XXXX Inquiry company : SYNCB/SAMS CLUB inquiry date : XX/XX/2023 XXXX
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: 2024-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: SYNCB/PPC reported inaccurate information to XXXX, XXXX, and XXXX. This inaccurate reporting is causing me problems obtaining accurate information about my personal banking history and account statuses. Per the attached copy of my credit report, the items that are inaccurate are the Date of Last Payment, Date Last Active, Last Reported, Payment Status, and Date Opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Company kept associating transactions with another account through their car care service. So activity on this card was limited due to there own negligence. I reported it several times. They sent notice my card would be improving, and a new card was on its way in coming weeks. Then they closed my account with zero notice or solution. Only way to obtain is by pulling credit and reapplying. Synchrony is fraudulent and messes with peoples credit poorly. I am tired of this and want this reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2024-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A