Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I was trying to make a purchase for new eye glasses and my Care Credit card was declined. After confirming that my account was paid in full, I contacted customer service and they informed me that my account had been automatically closed by their system at the start of the month because of a low XXXX credit score. I checked with my Bank, which provides me my XXXX score every month, and my score has been over XXXX for the past year. I believe closing my account was an error in their system and customer service offered no help in resolving my situation other than to tell me to reapply for a new account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX and Synchrony Bank sent me an offer to open XXXX branded credit card, saying that I could get a {$200.00} bonus when I meet the mentioned conditions. I have met all my obligations but they have failed to provide the {$200.00} bonus. I have tried my best to resolve it with them. I have wasted countless hours on phone with these idiots but they keep lying and making excuses about this offer. Literally every time they come with a new non sensical argument, ranging from the offer doesnt exits, offer was invalid, etc. The latest lie they told me was that the offer gave only 3 months to meet the {$1000.00} spend which is clearly a lie as you can see from the attached documents. The biggest liar is the supervisor XXXX XXXX id XXXX ) who keeps claiming that there was no such offer. The worst part is that I already sent them all the proof about a month and half back and I have written admission from them ( sent by XXXX XXXX on XX/XX/2023 via secure messages and attached here ), that the offer is valid and I should get the {$200.00} bonus within 45 days of XX/XX/2023. But that was another lie as that didnt happen. please see the attached email with the original offer and the copy of secure message where XXXX XXXX admits that I have met the requirements. There was only one positive thing in those negative experience with Synchrony. And that was the supervisor XXXX ( id XXXX ). It was just my plain luck that I ran into him on my XXXX call to them today. He was the only reasonable person who within seconds of taking my phone call was able to pull the offer details, and confirm that I was sent that offer and that I had met the requirements of the offer and put in a ticket to get the bonus. Please recognize people like XXXX and get rid of garbage like XXXX who dont give a f**k about doing their job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023, my JCPenney 's credit card limit was {$4500.00}. XX/XX/2023, I noticed on my credit report that they decreased the credit limit to {$520.00}. There was no balance on the card. The card was going to be use for wedding purchases. This also affected my credit score. Because of this, I want to be recompensated.because did nothing wrong except to use my credit wisely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Last night I had a credit limit of XXXX this morning I have a credit limit of XXXX. They made this change overnight with no advanced notice and then claimed it was because my credit rating was XXXX when it was actually XXXX from the same XXXX XXXX. Thought it may be just a computer error, but I've had this card for almost two years and always had the same credit limit as far as I understand. This is actually the first time this happened within my 70 years and they did this rather poorly because they didn't tell us ahead of time but they're sending us a letter in the mail after the fact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Synchrony Bank closed three of my credit accounts with over XXXX in credit limits because I accidentally mistyped my bank account number using autopay, which was corrected in less than a week and payments have been made. I think this is an egregious action for a simple and probably common mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On Wednesday, XX/XX/XXXX I made a payment in full of almost {$6300.00} dollars. Normally payments clear within a day, two at most, but this time Venmo, managed by Synchrony Bank has not clear my available balance even after 3 days. I called them today to find out why and the reason I was given is because apparently there's an invisible 'threshold ' of {$2500.00} dollars that are counted together with purchases or payments and any amount over that is on hold for 7 days! Ridiculous. They already took my cash from my checking account and are holding it somewhere instead of applying it to my available balance. They should pay me interest for holding my money this long. They also refused to provide written documentation regarding this 'threshold ' which does not show anywhere. If this is indeed the case, as some representatives refuse to do their jobs, then they must be investigated for doing anything outside of the law. Anyone holding another person 's money needs to pay them interest while doing so. Other Venmo/Synchrony users beware!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A Synchrony Home Mattress Firm credit card was opened with a joint owner in the middle of XXXX. On XX/XX/27 I activated my card, but the joint owner was told her information did not match any records on both the website and on the phone. The joint owner called in and was told only the primary cardholder can have a login. When we logged in with my credentials it asked to confirm the last 4 of the user 's SSN. We tried entering hers and it gave an error that it was incorrect. I called in and was told that the joint owner can not create a login, was not given an answer when I asked how we even knew the joint owner 's information was correct on file, and was told explicitly I needed to share login credentials with the joint owner. I have another card with Synchrony, but I was still told that I must share login credentials. I asked to speak to a supervisor and was transferred to a number that was not in service and was hung up on. The joint owner does not have access to account statements, no ability to limit the personal information shared outlined in the privacy policy, and no way to make payments. We had to check XXXX XXXX to see if they even got her information entered correctly. The account was showing up so it appears that they do have the correct information on file ( we hope ). I'm at a loss for how to proceed when everything on their website and app says her information does not match anything on their records, and the representative is advising me on a recorded line to share login credentials for a financial institution and then hanging up on me when I try to escalate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I received an unsolicited Amazon Business Card from Synchrony Bank. Amazon then decided that the card was my default payment method and started charging all of my purchases to it - not just my business purchases. I have not received a statement and when I called - after finally getting a human being on the phone I was told I had asked for electronic statements. Not so much- and I haven't received any of those either. I checked diligently - no such statement. When I requested a paper statement I got a major league run around but the agent finally agreed to send me a paper statement. The matter was complicated by the fact that English was clearly not the agent 's primary language. She then told me that it would take 3-4 weeks to get me a paper statement. The whole thing is a violation of the Fair Credit Billing Act. Amazon and Synchrony are both culpabl and should get called on the XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
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: Synchrony Bank XXXX XXXX Subject : Disputing Synchrony Bank Credit Report Name : XXXX XXXX Phone # : XXXX Account # XXXX Dispute Details : During Covid XXXX of XXXX I made purchases with XXXX XXXX using their online store. We were assured that any changes required to the online purchases made, could be easily returned to any XXXX XXXX XXXX that was near our location. I made three purchases in XXXX and one in XXXX of XXXX. Because of the issues with purchase wrong XXXX, size, design etc, all the purchased items had to be returned, and I returned the items to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ XXXX ). Since all items purchased were returned it was expected that I would have a XXXX balance. In XX/XX/XXXX I got notification from Synchrony Bank that I had {$480.00} balance on my account which I must pay. I talked to the customer support on multiple occasions for resolution and cancellation of the charges, example calls were made on : XX/XX/XXXX from XXXX to XXXX, XXXX from XXXXXXXX XXXX ( I was put on hold for XXXX min ) and call was disconnected agin called from XXXX - XXXX XXXX [ Note all times are in US EST ) XXXX XX/XX/XXXX I called twice to resolve my charges ; XX/XX/XXXX I was explaining my case but my call was disconnected. The customer support staff often was confused regarding these purchases as every time I talked to them I got different response ; at one point of time I was informed that the refunds can only be processed by their billing department and I should contact them or go to XXXXXXXX XXXX for resolution as XXXX XXXX had moved over to XXXXXXXX XXXX ( XX/XX/XXXX ) they have nothing to do with my account. Point to be noted is that I do not have any account with XXXXXXXX XXXX XXXX as the only account I had with XXXX XXXX was maintained and finally closed by Synchrony Bank. It is also important to note that my original pending amount was never disclosed to except when I was forced to make the full and final payment.. After spending so much time and effort I finally gave up as it was clear that Synchrony Bank was not going to resolve my issue. The result of all of this is interaction with Synchrony bank is- a> The original pending amount of {$190.00} was inflated to {$650.00} by adding interests and late fee. b> The constant harassment thru emails and inflation of my charges thru interests and late fee, which I was forced to pay. c> Most of all Synchrony bank was successful in destroying my credit score from near perfect to a lower value. In my entire tenure spanning more than 28 years a person who has always paid his credit charges in full, never missed a payment, it feels that the actions taken try Synchrony bank are not only unethical but XXXX and XXXX in their tendencies. As an individual that does not hold any say in this matter - I request that my issue should be looked into sincerely, look at my credit history of past 28 years and then decide actions of Synchrony Bank are justified or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08807
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A