Date Received: 2023-08-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Got a mattress from mattress firm 2 years ago through synchrony bank and somehow after 2 years of paying on time every month my balance was only {$40.00} lower than the original. So I inquired about this and was told I had to pay it off in a certain amount of time or get charged {$400.00} plus back interest. This was not told to me upfront. So I said yea I'm done with that. Now they call multiple times a day and on Sundays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32168
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had a XXXX credit line Credit card now decrease to XXXX. I used XXXX of this so now i have only XXXX dollars left. Now when you add all the interest and fees this will put my credit limit over and that will show up on credit report which isnt fair to me. I was never late paying this or any of my other credit cards This just isnt fair. this is the reason they said Your XXXX XXXX : XXXX Date : XX/XX/2023 Scores range from a low of XXXX to a high of XXXX. Key factors that adversely affected your XXXX XXXX : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Balances On Bankcards Are Too High Too Many Bankcards With High Balance Compared To Credit Limit According to my XXXX card my credit score is XXXX good credit XXXX accounts and never late excellent paymenta I still own on my house which was tranfer to to new mortage company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am writing to address a matter of utmost concern regarding the recent handling of my credit card account Account Number ending in XXXX. On XX/XX/XXXX, I contacted Sychrony 's customer service representative to inquire about the ongoing promotion associated with my credit card. The rep clearly explained to me that for balances exceeding {$3000.00}, a XXXX period with no interest rate would apply at any stores as well as XXXX. As per the representative 's guidance, I utilized my card, ensuring my balance exceeded the stated threshold, which was {$4200.00}. To ensure a clear understanding of my payment schedule, I called again on XX/XX/XXXX. However, during this conversation, I was shocked to be informed that I did not qualify for the promotion and that I would be subjected to an interest rate. This directly contradicted the information I had been given previously. I escalated the matter and was eventually connected with a XXXX who acknowledged the error on behalf of the representative 's part and expressed apologies. The XXXX issued a {$50.00} credit and assured me that no interest rate would be charged for at least XXXX months while the situation was rectified. He advised me to divide the balance of {$4200.00} into 24 months, as per the promotion terms. Additionally, I was directed to contact corporate to address the matter further. I promptly sent two faxes to the corporate office on XX/XX/XXXX and XX/XX/XXXX, detailing the circumstances and seeking clarification on the promotion 's application. Regrettably, I have yet to receive any response or acknowledgment from your corporate team. Meanwhile, an interest charge of {$120.00} has been applied to my account, exacerbating the situation. Despite speaking with the XXXX and following the suggested payment approach, I have been met with no communication and no resolution from the corporate office. It has been immensely frustrating and disheartening to be caught in this predicament due to no fault of my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX recently has been calling me and mailing letters to my mothers address regarding a debt from Synchrony Bank. I reached out to this company via email on multi0le occasions furnishing them with a FTC letter pertaining to this fraudulent account. They have ignored the information given and continued to harass me with multiple daily phone calls and letters mailed to an address I have not used in over 25 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX which was a XXXX account was closed and then XXXX sold it to Synchrony, which has now been changed to something else. The website is down, you can not make a payment or get access to any synchrony accounts : Including JC PENNY and Care Credit. The online chat is no help the person just said refresh and try a new browser. The phone number provided is no longer in service. Neither company can find my XXXX XXXX Account, which has happened many times in the past. It was an online bill pay which got messed up, but since resolved. They do not send paper bills any longer and the online services are not accessible. Synchrony has been a problem from day 1 when they bought my account. The emails that are sent to say your bill is due, provide a link which is no longer in service. There is no way to make any payments, but they will charge a late fee and past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
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 made phone contact and have sent letters twice regarding two disputed charges made by the same merchant but my credit card company has refused to offer a reply and they have simply ignored my communication
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I accessed my Synchrony account to find that {$49000.00} had been transferred out of my account to an account at XXXX XXXX on XX/XX/XXXXXXXX AND {$21000.00} had been transferred out of my account to a second account at XXXX XXXX on XX/XX/XXXX. I immediately called Synchrony and had been told that 2 accounts at XXXX XXXX had been added as external accounts and that the money had been transferred. I advised that I had NOT added these external accounts nor did I transfer the money. Synchrony has opened an investigation into this fraudulent transfer. On XX/XX/XXXX, I received paperwork to fill out, which was completed and overnight XXXX 'd back to them the same day. On XX/XX/XXXX, I received an email in my junk folder from XXXX. I did not open the email because I never heard of XXXX but after googling them found out they were affiliated to XXXX XXXX, another bank I've never heard of until this incident. I did relay this information to Synchrony to include in my file. On XX/XX/XXXX, I received another email in my junk folder from XXXX. I still have not opened the email since I do not have an account, nor have I attempted to set up an account at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a previous account against synchrony bank ( XXXX ). I was never late with my payments nor missed a payment. The XXXX XXXX XXXX said I could pay it off by paying my final payment of {$54.00}, yet she indicated to you that the account was closed with 'relief ' of {$49.00}. My bank statement clearly shows {$54.00} paid to Synchrony Bank as final payment, incident number : XXXX. You were deceived. Not a problem. Moving forward, yesterday I used my synchrony card to make a purchase at XXXX Spaces... I was denied. I left two messages for XXXX XXXX XXXX asking her why they denied my purchase. My credit score was excellent. I was never late making a payment with synchrony, and I never missed a payment except when synchrony asked me to hold a payment until an investigation regarding a charge was complete. I need to know is this revenge because I filed a complaint with you. What reason could they have for denying my living spaces request, it's only {$500.00}. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91750
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Recently I verified my credit report an I found a revolving account that Idid not recognize as mine. This company is SYNCB/JC PENNEY . I called the Customer service to claim that credit card but the customer representative told me that the information and the data record did not match and that she did not provide me more information. I request a credit dispute in the credit agencies but the result appear as accurate. I made a police complaint in my country for fraud and theft identity. I do not live in any of the states in the United States.In addition my credit report has other credit inquiries that I never request. So please I need help to resolve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00624
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A