Date Received: 2024-02-08
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: Charge amount is {$180.00} and the charge hit my account on XX/XX/2023. I reported a dispute to the vendor XXXX XXXX and to the credit card issuer, Synchrony Bank . During the course of the vendors investigation, they agreed in writing that a refund would be issued ; however, since the card issuer had given me a temporary credit, the vendor said there was nothing for them to do again in writing. The card issuer reversed the credit, despite the cofactors that the vendor was admitting a mistake. The card issuer didnt care. They refused to review my communication with the vendor. The vendor said if I could get a letter from the card issuer denying my claim, they would send me a refund. The issuer has not sent me a letter despite several requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80602
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: After carefully accessing my credit report I noticed credit Inquiries I have never authorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85016
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: 2024-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 3 inquiries in my credit report under XXXX XXXX from XX/XX/XXXX, Informative Research miscellaneous from XX/XX/XXXX, Syncb/Tjx Co Dual Card XXXX XX/XX/XXXX. I do not recognize this inquiry because I am have just turned XXXX XXXX XXXX that time and does not know anything about credits. Please dispute/remove this in my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96819
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 customer service
Subissue:
Consumer Complaint: I'm not accused of Paypal he says I took a credit of {$1500.00} I don't recognize having taken a credit with Paypal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58103
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: 2024-02-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Subject : Synchrony Bank Please see numerous complaints similar in nature CD # XXXX opened XXXX XXXX XXXX XXXXXXXX month term Funding initiated within the XXXX business day window. Proceeds were debited from external bank account on XX/XX/2024, however did not show up in Synchrony Account until XX/XX/2024. I was informed that the initial stated interest rate was lowered from 5.5 % to 5.0 % due to delay in funding. Contacted Bank and was told I could close account with only a XXXX day early withdrawal penalty Notified account was closed on XX/XX/2024 but XXXX month penalty would apply Contacted the Bank on XX/XX/2024 about the delay in receiving my funds and the penalty issue. Was told it takes them XXXX days to close the CD and another XXXX days for me to receive the funds.In addition, they admitted making a mistake on the penalty and informed me the additional funds should be received within XXXX days. My assertions : Synchrony Bank is using less that professional standards processing credits and debits by delaying tactics which allows them to use clients funds as float, thus earning additional interest income. ACH debits/credits are not subject to these long delays. Please investigate all relevant complaints similar to mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32082
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: Synchrony Bank is changing policy to charge monthly a {$1.00} to get my Lowes credit card bill. I require a paper copy and find it unfair that my billing statement has to be now paid for to pay them. I use these as reminders that my bill is due not to miss a payments or have them tack on a late fee. I find this unfair practice to enforce their policy to the consumer. If we owe them hem a payment they have their obligation to send the bill and not charge us to get more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a couple of credit cards with synchrony bank, all of them I always pay on time, but lately, for no apparent reason, the company start lowering dramatically the amount of credit that I had in all of them. Then, I complain about that in their XXXX page and after that they closed XXXX of my accounts. I didn't ask them to do that. Is seems like a retaliation. I saw that many people are complaining about similar things and some of them even worse. My payments are all on time and this doesn't make any sense besides damaging my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Were using a prepaid card to pay payments And still charging late fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I used my " Paypal balance '' to make a payment on my Synchrony Bank card, which was immediately deducted from my account and applied to my credit card with confirmation. On XX/XX/XXXX I received an email stating that my payment had been returned as insufficient funds. I made a 2nd payment of {$200.00} on XX/XX/XXXX from my bank account, and then later the same day I got a 2nd email stating my first payment from XX/XX/XXXX was applied to my account. They are also charging me a higher interest rate on a " Cash advance '' from XX/XX/2023, but I have never advanced cash from this account. I have also paid OVER the minimum amount, consistently, every month, but they have not applied those payments to the higher interest cash advance loan and they do not give me a mechanism to specify where my payments are applied. They also feature " interest free purchases '' if the payments are made within a year, but how they apply those payments are inconsistent, and they do not give any information as to what balances remain with an introductory balance. I pay XXXX to XXXX the minimum balance every month but my amount due seems to be INCREASING every month due to how they process their payments, how they apply payments, and how they expire their introductory rates and apply interest, none of which is disclosed to me. Everytime I call I end up in an XXXX call center with someone who says " that's just how it works. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I literally have not been able to use the Amazon Store Card website for years because it never accepted the password I knew was correct. I eventually gave up and would pay as a guest. Attempts at changing the password would not work because it used an old phone number and would not accept my updated phone number. I was finally able to get into the website after multiple attempts to change the password, and I updated all of my info : password, address, PHONE NUMBER. And yet, when I tried to login again, the website told me the new password it had previously accepted had too many characters. When I attempted to reset the password, it would ask for my old phone number for verification. To be clear, this old number had been deleted from my account when I updated my info. The website refused to text my new number, and requested my government ID to verify my identify, which I was not comfortable with sharing, given years of issue with the website. I called an agent for help. She sent me a bunch of links to reset my password. Link after link, the same issue happened. Every method she suggested was something I had already tried. I hung up and called again. The new agent sent me password reset links to my phone, literally four of them. I was able to update my password once after she sent me a specific code to use from her end ... and then, yet again, I was unable to login to the website. The website has been all but inoperative for years. Customer service agents are unable to do anything beyond sending links and temporary codes to login, and then the website will not accept your new information -- IF it even lets you login in the first place. I must repeat, it has been this way for YEARS. I gave up. When I tried to fix it, I was back to where I started. I am literally unable to log into the website to pay my bill, see my balance, or update my information. The password it accepted as an update is now rejected as having too many characters. Both agents I spoke with were audibly confused. If I want to update my information or payment methods, I must call customer service, fight with an automated system that barely recognizes responses both verbal and input, and then eventually get shuffled off to agents who know nothing about the system they are working with. This is incredibly predatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A