Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an online high yield savings account with Sybchrony Bank. I has some issues with understanding how to do the mobile deposits. My mistake. I finally figured it out and they accepted some money. Ever since then which has been since the beginning of XXXX my account is restricted. It is supposed to be under review. I am to receive a phone call from the security department. I have called them now XXXX times to find out when this will be fixed and each time the amount of time it will take gets longer. I called this past Wednesday XX/XX/16 he was very nice but even he stated that he didnt know why it was taking so long and he sent them a follow up request. I asked why I cant be transferred to them and he said they dont have a phone numberwhat??? I want to close this account and I want my money back and I cant do anything because of the restriction. It is my money!!! He of course conveniently didnt email me the transcript of this conversation. I am beyond frustrated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have tried to log into XXXX XXXX XXXX every week for the last 4 months, but get " Our system is experiencing technical difficulties at the moment. Please try again later. '' Multiple complaints have been put on multiple blogs and the bank 's XXXX and XXXX page. Their Customer Service number does not have an answer and the chat option is useless. I have 4 credit cards for different stores at this bank and will not use them if I can only pay as a " guest '' and can not log in to verify purchases before paying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I was offered a trial product from XXXX XXXX and was told to pay for shipping which amounted to {$5.00}. I contacted the company XXXX days later via phone and informed them that I will not be subscribing to their product. On XX/XX/2023, I noticed that there was a pending transition for the amount of {$75.00}. I contacted Paypal credit when the transaction was posted and still, they haven't rectified this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Violation of 15 U.S. Code ss.1681 ( a ) ( 4 ) - Consumer 's right to privacy. Notice that in certainty, I, the affiant, am a consumer and have the right to privacy under section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without obtaining my written consent or any valid legal authority, XXXX XXXX has breached my right to privacy. account was last reported on XX/XX/2021 with a balance amount of {$3400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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 keep receiving billing statements from Synchrony Bank for an Amazon Prime-branded credit card that I don't even have, never used, and do not want. The only reason I know the account number is that it is printed on these bogus statements. Synchrony and Amazon appear to be piling on late fees and interest charges for purchases I never made, on a card I've never seen, much less activated or used. On XX/XX/, I wrote to Synchrony instructing the bank to reverse all charges and close this account. Synchrony ignored my request, and continues to send me illegitimate billing statements. I need CFPB 's help getting Synchrony to clear my name of these purported charges and close this bogus card account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX. Pulled my credit report without my authorization creating a " hard inquiry ' on my XXXX credit report, and probably XXXX and XXXX, respectively. I submitted a dispute with XXXX in writing, XX/XX/2023 and received official response dated, XX/XX/2023, informing me that they will not take any action, but to contact, SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ). though the response from XXXX and their policy say, " If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. '' The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact XXXX requesting removal of the inquiry. I did as I was instructed by contacting both SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ) and XXXX to help resolve my issue but both continued have me have the other resolve the issue to have the inquiry removed XXXX specifically said, " if you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. And stated that, " XXXX reviews and considers all relevant information you provide when you open the credit dispute process and we take one or more of the below actions : - Determine the disputed information does not appear on your credit report or already shows the requested status, or - Make changes to your report based on the information you provide, or - Confirm the business or financial institution previously verified the reported information, or- We investigate your dispute by contacting the source of the information. '' I never received resolution from neither and the above mentioned parties. Please help get this issue resolved. Thanks! Attached are the dispute letter sent and the response from XXXX. And, SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ) took a report but continue to make me goes back and forth between the Synchony Bank and PayPal with no ending resolution but long period on the phone between the two. What would be a fair resolution to this issue? SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ), the company that initiated the inquiry need to investigate and, if they determine that someone fraudulently applied for credit in your name, or the company pulled my credit report without authorization they can close that account and contact TransUnion and request removal of the inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My Original balance with Mattress firm, Synchrony Bank, was {$1400.00}. I have been paying on time with this 0 % APR 2 yrs program. Rep from Store, just told me no interest for 2 yrs..XX/XX/2023 was the expiration date and I have remaining balance of {$180.00} which I am still consistently paying. To my surprise, my balance increased to {$930.00}, in XX/XX/XXXX. I am a senior citizen with some XXXX and in XX/XX/XXXXI had health challenges, so I couldn't call Synchrony. Now, XX/XX/XXXX comes and I saw that they tucked in {$770.00} interests in my balance of XXXX I didn't get any warning letter to payoff the entire balance, i didn't get any email, nor text ahead of time, and Synchrony kept saying it was in my paperless billing. I think this sets me up for failing to pay it off. So unfair to me who is a very good paying customer. My other store card with Synchrony is Ashley furniture. No interest for 60 months, and payment is {$90.00} a month. I have reached out to them to remove the interests and that my monthly payment is {$90.00} ... .since XX/XX/2023. Rep kept saying it takes 60 days to straighten it out. Now. My minimum monthly is {$120.00} .... I fairness to me, this bank should cancel the interest that they charged me in my mattress firm card of {$770.00} ... ..and the Ashley furniture card, they should keep my minimum monthly of XXXX dollars. Or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95356
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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 a wall oven from Lowes in XXXX of 2022, {$4100.00} it was a store pickup for XXXX, NH, I received an email that the item had been picked up however I didn't pick it up so I called the store in XXXX, NH multiple times with no resolution so i filed a dispute with Lowes credit XXXX Synchrony Bank ) The bank told me to deal with Lowes and Lowes told me to deal with the bank. Lowes states that the item was picked up and they keep sending me a mobile ticket with no signature and the wrong name " XXXX XXXX '', since I am unable to resolve this with either Lowes or Synchrony I am asking for help to get someone's attention, I have been trying to get resolution since XXXXXXXX XXXX XXXX
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: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX Synchrony Bank claims I owe {$340.00} but I have no knowledge of their claim. Ive received calls and have called multiple times to get verification from them that this is an accurate claim but they never shown me proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35805
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: In XXXX I had q {$4200.00}, they charged XXXX interest on the balance. I figured this was a error and tried to fix it. Then in XXXX they charged {$2200.00} interest on the same balance. Ive gone round and round with them on this. I asked for a payoff balance, and recorded our calls of XXXX different people telling me that if I paid {$4000.00} on or before XX/XX/XXXX, this would clear my balance. I made the payment, and they still show I have a {$1000.00} balance. This is a scam..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A