Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2023 I refinanced my home and reached a written settlement with Synchrony Bank PayPal Credit Card. The account was Settled in Full for {$2500.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' Synchrony Bank accepted and deposited my {$2500.00} check from the XXXX XXXX, marked as Settlement in Full. However, AFTER the payment was received, Synchrony Bank reported my account as " Charged Off '' with a balance of {$1500.00}. This report has occurred every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$1500.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). Synchrony Bank most recently reported this on XX/XX/2023, and I expect they will fraudulently do so again this month. As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has continued to be falsely reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
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: In XXXX 2023 I opened a line of credit with symphony credit card to purchase a piece of art on a Norwegian cruise for {$5300.00} dollars. I never received item and began being charged for item I never received. I was in formed XXXX weeks after ordering that my item was finally going to be shipped to me. The item has never been delivered and I have not received nothing. So much time now has gone by that I no longer want the item and want a full refund on my credit card. I have reached out to the credit card company multiple times and was informed all sales are final and that the merchant can still charge me for an item I never received and that I can get a credit to buy something else from them. I do not want a credit to purchase something else. I want the fee off of my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, This is to discuss a fraudulent account opened with Care Credit, a division of Synchrony. I was alerted through my credit monitoring that there was an decrease in my credit score on XX/XX/2023. In investigating, it was due to an account I have no knowledge of through the company " Care Credit '' ( Synchrony ) where an account was opened at a dental office in XXXX FL ( I live in XXXX, GA ). They had allowed someone to use my social security number with a different name, different phone number, and a different address to open an account and max out the card in two trips to a dental office in a state I have not lived in nor traveled to. While I did contact Care Credit and they issued a fraud investigation- they were rude and not helpful in understanding the process or next steps. I'm in the process of buying a house and they would give no path to resolution time frame or follow-up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I dispatched a facsimile to Synchrony Bank/AMZN ( fax number : XXXX ) containing a notice of intent, along with comprehensive information outlining the specifics of my trust agreement for the account. It's essential to note that the account in question bears my full legal name, which matches the name associated with the account. Subsequently, on XX/XX/2023, I sent a package via XXXX, which included a notarized Treasury Form XXXX, functioning as a XXXX XXXX XXXXy, in tandem with explicit instructions. The corresponding Certified Return Receipt ( CRR ) tracking number for this package is XXXX XXXX XXXX XXXX XXXX. Continuing this chain of communication, on XX/XX/2023, I also transmitted the aforementioned XXXX XXXX XXXX XXXX XXXX ) form to Synchrony Bank/AMZN via fax ( fax number : XXXX ). An acknowledgment of receipt was received, affirming the completion of this transmission. In the financial context, on XX/XX/2023, I issued a payment to Synchrony Bank/AMZN amounting to {$3000.00}, in concordance with the parameters outlined in Form SF233. Regrettably, this payment was subsequently returned on XX/XX/2023, accompanied by the reason provided as " the item received is not an acceptable form of payment. '' Seeking resolution, I submitted an additional payment to Synchrony Bank/AMZN XXXX XX/XX/2023, valuing {$110.00}, with USPS tracking XXXX XXXX. However, this payment was neither applied nor returned by Synchrony Bank/AMZN XXXX On XX/XX/2023, I executed a payment transaction amounting to {$5000.00}. Astonishingly, Synchrony Bank/AMZN retained this payment and declined to return it. Curiously, the email correspondence I received from Synchrony Bank/AMZN referred to this payment as an " inquiry, '' further asserting that they had received only the payment return portion of my billing statement on XX/XX/2023, devoid of any accompanying check or money order. I refute this claim with firm evidence, as I employed USPS CRR tracking number XXXX to mail the aforementioned payment instrument. This circumstance indicates that my {$5000.00} security instrument has been inappropriately withheld by Synchrony Bank/AMZN XXXX alongside other submitted instruments. Continuing to navigate this situation, on XX/XX/2023, I dispatched a payment instrument totaling {$3000.00}, supplemented by explicit instructions, through USPS CRR tracking number XXXX. Alarming developments transpired on XX/XX/2023, when I initiated a communication with Amazon, seeking clarification on the status of my account. Shockingly, the representative informed me that my account had been " closed, '' a revelation delivered without any prior warning or notice. Of significant concern is the absence of any indication or communication regarding the late status of my account, whether through XXXX, XXXX, or XXXX warnings, or any other form of notification that my account was in jeopardy of being closed. Despite my efforts to establish communication and facilitate payments through various channels, the actions of Synchrony Bank/AMZN have been marked by a lack of adherence to consumer laws, and, by extension, numerous violations of the UCC, FCBA, TILA, CFPB, UDAP, and contractual agreements. This egregious conduct encompasses a breach of both contract and trust, thereby infringing upon my rightful claims to title, interest, and rights. My diligent efforts to substantiate this assertion are supported by evidence, including fax transmissions, phone conversations, and transcripts of online chats. It is my steadfast belief that my rights as a consumer have been unjustly curtailed, and that the legal protections safeguarding consumers have been blatantly disregarded. I implore immediate attention to this matter, along with a comprehensive resolution that addresses these infractions and reestablishes my rightful access to the account in question, complete with the full complement of benefits and privileges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Sent another in on same company earlier. Today got a letter they are closing an active account that I am still paying on. they ran my credit again without authorization. This is two violations. Sending to FTC at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99207
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair reporting act this creditor has violated my rights, under 1581 section 602 states I have the right to privacy.Section 1581 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15usc166B a credit can not treat a payment on a credit card under an open consumer credit plan late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Subject : Complaint Regarding Synchrony XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally file a complaint against Synchrony XXXX concerning my credit card account with account number XXXX XXXX XXXX XXXX. Despite my efforts to address this matter with Synchrony XXXX 's customer service, I have not received a satisfactory resolution. Account Information : - Account Holder 's Name : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Promotion Start Date : XXXX - Promotion Expiration Date : XXXX Description of the Issue : On XX/XX/2022, I enrolled in a promotional deferred interest charges credit card offer with Synchrony XXXX for a one-year period. The initial purchase amount was {$2100.00}. I promptly set up auto-pay with the intention of making payments on time throughout the promotional period. Despite my diligence in ensuring timely payments, I did not receive any statements via email or regular mail. I had made an extra payment of {$1000.00} in XX/XX/2022 to expedite the repayment process. Shockingly, I realized that I had missed the promotional period and was charged an additional {$530.00} on top of the remaining balance. This oversight was primarily due to my inability to access statements through any means. I did not receive statements during the promotional period via email, or mail. The company insists they did send the statements to the address on file, which is my current address, but I insist I did not receive the statements via mail or email. I've never had any situation like this with any creditor. I am saying the true, I am being 100 % honest, I did not receive any statements in any way. Supporting Documentation : I have attached multiple screenshots as evidence, showing that I was unable to access any statements online either. Additionally, I can provide further correspondence and documentation upon request to support my claim. Conclusion : I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring consumer protection and fair practices. Kindly review the evidence provided and use your expertise to mediate this matter, allowing for a just resolution. Please feel free to contact me at XXXX or XXXX for any additional information, clarification, or evidence you might require. Thank you for your time and attention to this issue. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: PayPal will not update my available credit, nor make this credit available to me after more than fifteen ( 15 ) days, despite my paying off the credit card in full last month. PayPal has no such waiting period when customers choose to make less than a full payment on an account. This unlawful credit card policy was put into place so as to deter customers from paying the full balance and avoiding the more than thirty ( 30+ ) percent in interest. Please take legal action against PayPal, administratively and/or otherwise, since U.S. law requires that all payments be immediate applied to existing debts, under the common law mailbox rule among other valid sources of law. PayPal already is on notice about the unlawfulness of failing to immediately credit all customer accounts : as evidenced by class actions that customers filed against this company when it colluded with XXXX to improperly withhold moneys that were owed to XXXX sellers that had fully performed under escrow contracts. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony Bank continues to close my paid in full accounts. They have either lowered my credit limit to the amount I owe or closed the account after I pay it off. Upon talking to XXXX on XX/XX/XXXX, she informed me that my accounts always go up for review, there is no time period that this happens. She said that Synchrony Bank reviews the credit report of the account holder and bases their decision solely on that information. This is discrimination on the part of Synchrony. They are basing their credit decisions on false information from the credit reports and then closing accounts based on that false information. This action of closing my account or lowering my credit limit hurts my credit score, my credit history and my credit usage. These actions by Synchrony have caused me to be turned down for credit, for rentals of homes, jobs and more. My payment history with Synchrony is EXCELLENT! My credit reports and credit information ( attachments ) will show numerous discrepancies on my credit reports. These attachments will show that the credit reporting agencies are not providing the correct information ( even Synchrony ). Attached you will find that I have included a print out of a screen shot showing all the disputes I have filed over this past year. There is no reason that Synchrony should have ruined my credit, NONE!!!!! You will see on all attachments I have noted the balances that are incorrect, by circling them. I have outlined the disputes that have been filed and other important information that Synchrony is basing their decisions to close my accounts on. It seems completely out of the legal realm that every time I dispute my credit, Synchrony makes changes to my accounts. I believe they are taking all steps to ruin my credit. I believe Synchrony is discriminating against me due to my filing disputes. I have XXXX outstanding disputes with the credit reporting agencies due to incorrect information on my credit reports. XXXX! I advised XXXX of this information and she agreed that it seems that Synchrony is making decisions based on false information. She contacted the corporate office, via notes in the system and asked that they contact me. I explained to her, she can see that my balances with the two accounts that Synchrony just closed are paid off ; however on my credit report it shows they have an outstanding balance. Credit reports do not update in a timely manner! Synchrony does not update in a timely manner. Because Synchrony chooses to make decisions on false information, they consistently hurt my credit by lowering credit limits and closing accounts. Also, Synchrony picks and chooses which accounts to close and or lower the credit limit. I have a XXXX Credit card with a paid off ( {$2000.00} limit ) balance and now they have lowered the limit to {$250.00} ; but they have allowed it to remain open to use. My Lowes card and my TJ Maxx Mastercard limits were only {$1400.00} combined. Synchrony has also left my TJ Maxx Storecard open. There is no reason to Synchronys decision to close one account and not another. It seems they are choosing what credit they want me to have, although I have not neglected any account with them. Synchrony is knowingly damaging my credit by making it look like I spend my credit up to its limit, when in fact it is well below my limit before they change it. Synchrony states in its letter to me that a lack of XXXX XXXX XXXX XXXX Information is one of four reasons that they choose to take action. When Synchrony approved me for these credit cards, I did not have any XXXX XXXX XXXX XXXX. If this was a precursor to having the credit card and/or keeping it, it is not listed in their terms and conditions that they sent me when mailing my new credit card. The other reasons that they give are solely based on false information from the credit reporting agencies. If Synchrony is going to continue to be blind to the truth clearly showing that my accounts with them were paid off, I would like to know how to hold Synchrony and all other Credit Agencies accountable for the damages, stress and time I have spent to correct these errors. Are their actions are legal? Also, Synchrony consistently closes my account just after I pay the entire balance in full. Just last month I paid my full balance on both my TJ Maxx Mastercard and my Lowes Card and they closed the accounts within 30 days. I received their letter on XX/XX/XXXX and they closed my accounts on XX/XX/XXXX. It should be noted that both Synchrony accounts were paid in full on XX/XX/2023. The letter Synchrony offers as to the reason my accounts are closed is based solely on the high balances to credit limits which again is incorrect information and Synchrony knows this. Synchrony contributes to my credit looking as though it is up to the limit by lowering my credit limit to what I owe. How can they say this is a reason when they are creating the problem! This is an ongoing issue with Synchrony and Synchrony is the ONLY bank that makes these decisions and hurts my overall credit by initiating same. It seems that they are insistent on ruining my credit! The fact that Synchrony has continued to make these decisions over and over again, hurting my credit, causing my score to go down and making it nearly impossible for me to be credit worthy, I am wondering if moving forward legally would be beneficial. It is important to note that I know of two very close family members that are going through dire financial situations and have not been able to make payments to Synchrony Bank ( and others ) in the last 3 months. They also checked their Synchrony accounts last night and it is showing that they are late for 3 months ; however, the accounts remain open and the credit limit remains the same. Synchrony is well aware of what they are doing and how they are ruining my credit!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I used my SYNCHRONY XXXX XXXX XXXX to pay for the flooring work. When I began the project, the bank assured me that there would be no interest for 18 months, which I have in writing. However, after 12 months, I noticed that my balance had increased by an extra {$3000.00} for interest when I check on XX/XX/2023. I contacted the bank and learned that the interest-free period was only for XXXX months, and there was a mistake in my timing. I expressed my concern that this was unfair, but it took nearly a whole month of discussions with their supervisors to reach a conclusion. Unfortunately, there was no resolution offered except for the option to contact the flooring company, Floor and More. They informed me that they could extend my promotional date, but it would cost me {$1500.00} for them to do so. This payment was necessary for SYNCHRONY XXXX to extend the promotion on their end. I genuinely believe that the bank 's actions were misleading, and I feel like I was taken advantage of. It's important to note that throughout this process, both the supervisors and employees I spoke with were very impolite and unhelpful in their interactions with me.
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: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A