Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing this account since XX/XX/23. XXXX have not authenticated nor have done correct investigations for this account and it is still impacting my credit negatively. Another credit reporting agency did do a proper investigation and showed this should not be reflecting on my credit file. I have called, submitted online and done everything on part to prove this account does not belong there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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 purchased several cases of XXXX XXXX XXXX XXXX XXXX for my bathroom from lowes and after 60 days my contractor was finally able to install it however the planks kept coming apart on the long way and splitting so after the second case, and consulting with a second contractor, we attempted to return the unopened boxes to Lowes who then refused to return them ( well within return window ) I eventually called Synchrony bank but was given the run around and was refused multiple times to file a dispute. Eventually when I was granted the ability to file a dispute, I was told it would take 60 business days to render a decision and I would not get credit before that time. I agreed because my card was paid in full anyway, but at the conclusion I was told it was not found in my favor because I didnt return the merchandise. I asked to speak to an escalation agent because I had attempted numerous times to return the merchandise but lowes refused each time the agent then stated she would contact me within 10 days to let me know the outcome. I received a call from Syncrony approximately 9 days later stating that the dispute had been found in my favor and since I had no balance I would be receiving a refund check for XXXX it took me a week to cash it because I had just had XXXX, but was thrilled, until a month later when I got a alert on my credit monitoring stating I had a new charge of XXXX and 95 % credit usage on my Synchrony card. I called and disputed it, and it dropped to {$0.00} but then right back up it went. I still have the photo of the check and have the copy of the stub attached to it saying refund however now Synchrony has been forcing me to make payments monthly or ruin my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I've request copies of the billing statements from the origination of when the card was opened. The copies I receive do not show in detail the transaction charges, credits, or details in regards to the account. The statements only include charges from purchases, but the statements do not include vital information such as the account balance summary, promotional purchase summary, or finance charges to the account. That information is excluded and is necessary to review potential overcharges to the account. I spoke with XXXX XXXX on XX/XX/XXXX requesting this information and I was assured that it would be resolved. The matter is still unresolved as XX/XX/XXXX Amazon XXXX XXXX XXXX with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon XXXX XXXX XXXX to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon XXXX XXXX with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since XXXX to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX of XXXX I purchased heating and air conditioning equipment, financed by Synchrony Bank. I agreed to make monthly payments for 24 months, interest free provided the promotional balance was paid prior to the expiration date. The promotional amount I borrowed was {$6300.00} and was paid in full prior to the expiration date, XXXX or XX/XX/XXXX. However, a balance of {$730.00} remained that I did not recognize. The discrepancy is a Card Security fee that Synchrony has charged me, and that Synchrony claims I purchased by clicking on an on online offer. Until XXXX of XXXX I was unaware of a Card Security '' fee associated with my Synchrony account. I do not recall Card Security being properly disclosed, nor do I remember purchasing Card Security. I have been told a welcome package was emailed at the time of purchase with the full terms and conditions of the Card Security Program. I can find no such email. I have not paid these Card Security fees Synchrony has charged me while trying to resolve this and Synchrony continues to add interest. Currently my balance is about {$6000.00} all of which is interest levied on the original unpaid card security fee of {$730.00} of XX/XX/XXXX. I have asked Synchrony repeatedly to produce the online form that indicates I purchased Card Security, with no success. Additionally, I question the amount Sychrony claims that I owe, {$6000.00}, and request an explanation of how Synchrony arrived at this number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28804
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. Synchrony Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used Synchrony bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I noticed my credit score went down significantly at the end of XXXX and beginning XXXX. I called JCPenny in XX/XX/XXXX, was informed they could see in the system my payments in XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I asked if they received my payment why their system reported to the credit. Bureau 3 x 30 late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX. They said they would send update to credit bureaus to clear but would take XXXX days. I called back in XXXX and went through the same thing again. I am so frustrated 8 months later still my credit shows 3x30 days late when JC Pennys on 2 occasions have confirmed I was not late. I also contacted each credit bureau online multiple times and still not removed from the credit bureaus. How do I fix this? As a consumer I feel totally unable to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: When using Paypal Credit, no interest for 6 months promotions on purchases over {$99.00}. " Amount to avoid Standard and Deferred Interest '' is not detailed anywhere. It is difficult, if not impossible, to know how your payments are being applied to these balances, and which purchase balances are still outstanding. When you look at your account online or the statements, these do not show the outstanding charges or balances for each promotional purchase. When you call Paypal to ask, the agents are also unable to tell you these details. If you miss paying off a balance in full, these balances are hidden from you online and in the statements. You can not determine which balances are remaining. It is extremely difficult to manage paying off the balances resulting in interest charges being charged to your account.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a Care Credit Card with Synchrony Bank for over 5 years and have only used this card for medical purposes, mostly the XXXX. I never missed one payment or went over the {$1000.00} credit limit the card had. On my credit report it states all my payments are 100 percent. I have lived in my home for over 40 years now. My husband left me over 8 years ago with a lot of debt and instead of filing bankrupcy I went through XXXX XXXX XXXX to pay the money back and settle all accounts. I have paid {$400.00} on this debt for over 4 years now without one missed payment and will graduate in a few months. Nothing has changed since I got my Care Credit Card, just the money I owe on my home which goes up and down as the taxes get paid, and by closing this account with no notice not only have they put my health in jeopardy but they have destroyed my credit score with no good reason behind doing this. I was shocked when I got an email from Synchrony Bank saying they had closed my Care Credit account with no notice. I owed NOTHING on this account at the time they closed it I had paid it all off like I always do. I have worked tirelessly to try to get my credit score where I can finally fix up my home which I have lived in and paid for for over FORTY YEARS.This account should have never been closed and I think banks get away with doing a lot of things that hurt people more than they help people. Doing business with Synchrony Bank has hurt me, not helped me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I found out that my credit card was seized by XXXX XXXX XXXX without my consent by my credit card agency when I called them. XXXX XXXX XXXX was unable to provide any assistance in the matter or clarify how to fix the problem. When asked, they were unable to provide a supervisor name or authorized staff to assist with removing my account from the person who stole my add information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66209
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A