Date Received: 2023-08-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a notification from XXXX and XXXX XXXX company that my Synchrony XXXX XXXX account was closed immediately on XX/XX/XXXX by the creditor. I was not notified by the creditor of this action. I contacted the creditor as well as XXXX for information. Per XXXX, no information was shared to the creditor. However, Synchrony reported that they closed the account based on information from XXXX. This account was opened on XX/XX/XXXX and remained in good standing. I made XXXX separate purchases on this account within the last year. Currently, I have a remaining balance of ~ {$800.00}. ( Last transactional purchase was in XX/XX/XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I reached out to Synchrony bank pertaining to my overall accounts : Sams credit card, XXXX XXXX, Ashley Home card. I finally had a representative update my credit utilization to display accurately during the month of XXXX. After this discussion my utilization was showing 65 % which was inaccurate. I then seen my XXXX report was showing improvement after my score dropped across all three bureaus for at least XXXX points. Today, I received a notification on XXXX that I had an increase in utilization of 57 % for my XXXX XXXX card which was a balance at beginning of month of less than {$1000.00} with limit of {$2200.00}. In which I made a payment of balance to keep utilizing low below 30 % on the XX/XX/XXXX and several others ensuring I wasnt late then another payment for same month XX/XX/XXXX for remaining balance that populated on the XX/XX/XXXX to ensure reporting by the XXXX was accurate and not reflecting negative to my credit utilization. I immediately contacted Synchrony again and the representative stated after speaking with her manager that they only reported for XXXX but confirmed reporting is sent on the XXXX and the payment I made wasnt applied yet which is 7 days afterwards. Consequently the company placed a hold on my payment that was released by XXXX XXXX XXXX on XX/XX/XXXX and posted to my credit card dashboard on XX/XX/XXXX with a balance of XXXX. Ultimately the reporting for today should reflect 0 % utilization. The representative stated she understands but they reported XXXX not XXXX but in actuality it was already posted for XXXX in which you will see in my credit report that I disputed the utilization errors initially and was thankful I was sending this be resolved. Now I am seeing intentional treatment to fraudulent report accounting for my consumer account to credit bureaus to display me as a unworthy candidate for credit or authorization of it entirely. I am aware of reporting in arrears but not willing to have a creditor take my payment then hold it even when it was processed through the bank. That is intentional to undermine my credit worthiness
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: {$600.00} of purchases from XXXX were bought on my XXXX card. But when I got a Pay Pal bill, via Synchronomy bank, I had also been charged by them. After a number of calls, a bank officer, very nice lady, called me and said they had foundf the mistake and would re-imburse me. She advised a cfredit of {$250.00} would appear on my next bill. I asked about the rest, and waas informed thesir company polic was {$250.00} max per reimbursment, but t hat t h e rest would be forthcoming. that was in XXXX. I have sent letters to e v ery address I discivered, and can't even get a call back or message of any sort. The amount may serem small, but I'm a partialy XXXX XXXX XXXX XXXX living on SS and a {$280.00} pension -- -it means a bit to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I received an email from " XXXX '' offering a 0 % introductory APR for 6 months for the PayPal Cashback MasterCard. I applied the same day and was approved. For my surprise, the first statement came charging APR. I called the number that is on the card : XXXX. Apparently this number is from Synchrony Bank. They told me to contact PayPal, since not was showing in the system. I messaged PayPal through the Help Center and they informed that I needed to contact the same phone number that is on the card, that is from Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Venmo credit card. My credit limit was $ XXXX.I have missed any payment and always paid above the requested amount. I went to use my card knowing I had enough available credit. I rarely used the card. The card was declined. I was shocked and embarrassed. So I called the credit card company, I was told they lowered my credit limit. I received no notification, no explanation, prior to them.lowering my limit. XXXX XXXX XXXX XXXX XXXX when they lowered my credit limit, my credit score dropped XXXX points. As I said I always made my payments, always paid more than the required amount. They told me they ran my credit and decided to lower my credit limit I had no idea they even ran my credit. As I said I was not i.formed of any of their actions against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: This occurred on XXXX XXXX We received an email from Paypal about some suspicious charges on our Paypal credit account. We immediately called them to find out what happened. They informed us that a company call XXXX XXXX XXXX had charged us almost {$2000.00} and the recipient was XXXX. The Paypal representative told us to file a claim with the Paypal Resolution Center. We went online and filed the claim but received an email the next day stating that it had been denied. We once again called Paypal to get an explanation but were told that there was nothing they could do. We questioned the reasoning, since we were charged 10 times for the same amount, after midnight on the 12th. Paypal once again told us they could not do anything for us. If you go on PayPal 's web site, their motto is " Trust the way you Pay ''. What a joke!!! We tried to reach out to XXXX and XXXX but could not find any contact information for either of them. My wife and I are senior citizens and losing {$2000.00} is huge for us. I am hoping that you can help us get a refund. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60510
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've tried on numerous occasions to pay off this charged off account with XXXX XXXX in the amount of {$330.00}. Because I don't have an account number/credit card number I can't reach anyone to pay the debt. I've tried calling several times between yesterday and today at several different phone numbers. The last number I was given to call is XXXX. There is no option to hit 0 to speak with a customer service representative. How can I pay a debt that I can't even speak to anyone about?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've made several attempts to pay a charged off account with XXXX XXXX XXXX The amount of the charge off is {$2100.00}. Between yesterday and today I've made at least 10 phone calls and wasted hours of my time trying to resolve this account. The call I originally made they advised me that the account had been sold to XXXX XXXX XXXX and they gave me the phone number of XXXX to contact them. I contacted them yesterday and they advised me that they have nothing regarding this. Today I called XXXX again at XXXX and they provided the same information as I was provided yesterday. I expressed to them that I wanted to resolve this account and how could I do this. They gave me a different phone number for XXXX XXXX XXXX XXXX so I tried calling again. Once again I was provided the same information that they have nothing on my account and nothing regarding this debt with 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: 85295
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX I purchased a bed from XXXX XXXX, XXXX for a total price of {$4000.00}. They offered me no-interest funding for 36 months through Synchrony Bank . I took the offer. Then started making payments of {$110.00}, I made six double payments by XX/XX/XXXX. At that time I was paid ahead by six months. I make my payments through Washington XXXX XXXX on my computer. Then Synchrony said I missed a payment and I was delinquent. At this point, I have made 11 double payments and one triple on a bed purchase for over XXXX XXXX. Synchrony Bank offered to give me a 36-month no-interest loan, which I accepted with the intention of paying it off sooner. How can I be late or delinquent? According to any bank I have done business with, I am 14 payments ahead. Synchrony has a bad reputation for being an unfair bully to their customers. Synchrony Bank is the subject of a federal criminal investigation into potential fraud. The investigation is being led by the XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is focused on the banks credit card practices. The probe comes amid a wider crackdown on the credit card industry by federal prosecutors. In recent years, prosecutors have brought cases against several major banks, alleging that they misled customers about the true costs of using their cards. Synchrony is the latest bank to come under scrutiny. The investigation is still in its early stages, and it is not clear what, if any, wrongdoing the bank may have engaged in. The bank has not been charged with any crime, and it is cooperating with the investigation. SYNCHRONY BANK HAS BEEN ORDERED TO PAY {$3.00} XXXX TO RESOLVE CIVIL ENFORCEMENT ACTION INVOLVING CALLS TO CONSUMERS IN CALIFORNIA Because individual restitution is not feasible under these circumstances, the judgment also requires that Synchrony Bank pay {$520000.00} in alternative restitution to a charitable trust fund to support additional consumer protection efforts. The judgment was filed in XXXX XXXX XXXX XXXX XXXX and was signed on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The case was handled in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX XXXX. I still owe 5 payments on this transaction, which I will pay in full Synchrony thinks they are entitled to late charges etc. They have very bad and in some cases illegal practices. Please help get this matter corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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: WA
Zip: 99208
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: 2023-08-23
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 called in regards to fraud and they made a claim. The lady stated I had to pay the card off first as they would send to collections but once the claim is approved I would receive a check for the highlighted items which ran around XXXX dollars. I never received anything other than the claim was approved. I called again and the lady stated she would send the check, however, nothing was sent. Ive spent many hours on the phone with people telling me there is nothing they can do and that I should have never paid the card off. I submitted the documents and did what I was told by customer service and the fraud department and yet I am out nearly {$4000.00} of purchases I did not buy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60068
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A