Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Care Credit has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: MS
Zip: 38930
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
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: My issue is that Synchrony Bank Lowes Credit Card is not living up to their advertising of purchase protection on item place on their credit card. I have repeatedly filled disputes which have been immediately closed with any investigating. On the below dates I purchased Kitchen Cabinetry from LOWE 'S HOME CENTERS, XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX in the total amount of {$25000.00}. Of which {$7000.00} was placed on a Synchrony Bank Lowes Credit Card. XXXX Total amount {$23000.00} {$5000.00} Charged to Lowes Credit Card XXXX Total Amount {$2000.00} all of which charged to Lowes Credit Card The Kitchen Cabinetry had major defects on nearly every door and draw front. It also had numerous other defects. I brought the defects to the attention of Lowes starting XX/XX/XXXX. There has been an email chain exceeding 80 emails. I have provided in person evidence of the problems. 40 + photos. Lowes and the cabinet manufacturers made a site visit and acknowledged the issues and promised to resolve them. There have been countless promises to resolve the problems in person, verbally by 6 employees and in writing. I have spent countless hours documenting and providing information to Lowes and the credit card company. The last official response from the local store was on XXXX where XXXX XXXX stated they were contact with the vendor regarding compensation for the cabinets. And they look forward to getting this taken care of promptly In addition at the suggestion of Synchrony Bank I have made 3 complaints directly to Lowes Corporate see below. Again, lots of promises but no follow-up. Synchrony Bank Credit Card Disputes- Ignored In XXXX of XXXX I filed the 1st of 5 or 6 disputes with Synchrony Bank Lowes Credit Card for the amount of the cabinetry placed on their credit card. The first 4 disputes were closed stating that the Store was working with me to resolve the dispute. I repletely explained to Synchrony Bank that they were not and provided email documentation. Every time they closed the dispute, I would call them to explain that they were not working with me. They would say no problem and tell me to reopen the dispute. The last 2 times I reopened the dispute in XXXX and XXXX of XXXX they have closed them stating I have not provided any addition information. They advertise their credit card to have purchase protection yet they are not even attempting to honor that or assist me in any kind of resolution. Please help. This is all just wrong. I dont have money to fight this with a lawyer but I will if I have to. XXXX XXXX XXXX Corporate Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employee # XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had a prior issue with Synchrony Bank ( SB ) wherein a representative disclosed to me by telephone, for my High Yield Savings ( HYS ) account, the annual percentage yield ( APY ) and the interest rate ( APR ), but that then a different and lower interest rate was paid on my savings account. This event was verified subsequently by SB though a ( telephone ) call review, and SB paid a concession credit to my account. In part to receive documentation of the current rate, I requested an account disclosure for the High Yield Savings account from SB on XX/XX/XXXX. I received instead a single-page letter, which would more properly be called an account statement for my own account, only giving the account ownership, account number, account type, date of account opening, current account balance, and the annual percentage yield, noting that the information was accurate as of the date of the letter. See the included copy of the letter. SB did not send to me what I recognize as an account disclosure, which would include both the annual percentage yield and the interest rate, using those terms ( Reg. DD ( XX/XX/XXXX ), XXXX. XXXX ), that the interest rate is variable and may change, the compounding frequency for interest, the balance computation method, a statement regarding when interest begins to accrue on noncash deposits, and any other pertinent disclosures as required by federal Regulation DD. I specifically requested a paper copy of the disclosure, asked for a full account disclosure for this account, and did specifically ask if both the APY and APR would be included. The representative replied, Yes, to that question. Not only was the interest rate not stated in the letter, neither were all of the other parameters, as required by Reg. DD. SB has changed the interest rate on its HYS account recently at least three times by such a small amount that the APY changes by only 0.01 % or even not at all ( as disclosed and rounded to two decimal places ), and has also published two different figures for the APY for the HYS accountsimultaneouslythat differ by 0.01 %, and has done this on at least two separate occasions. So knowing the actual interest rate gains importance, and their disclosure of the APY seems unreliable. Screenshots are included showing an APY of 4.50 % and 4.51 % ; note the time and date stamps. I asked again for an account disclosure on XX/XX/XXXX, and received a similar letter, which again did not disclose the required information, except for the APY. I spoke on XX/XX/XXXX with an account supervisor at length, and she did not even know what document SB had available that would satisfy the requirements of Reg. DD, except for possibly their Synchrony Bank Consumer Deposit Account Agreement, which describes most or all of their deposit accounts, and which does NOT include the APY or the APR. I did receive that document when I opened the account, but on XX/XX/XXXX, and on XX/XX/XXXX, I made specific requests for the current account disclosure, including the APY and the XXXX. Please assist, to encourage Synchrony Bank to recognize and follow standard and required banking procedures more consistently. My request particularly is that Synchrony Bank create, if they do not have one, and promptly provide an account disclosure when one is requested, and to calculate the APY by the prescribed formula to a single, unique figure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83634
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I filed a complaint with CFPB on the XX/XX/2023, And I was given a monetary relief of {$240.00}. It never got adjusted in my Paypal account. Upon contacting synchrony bank and Paypal, they said on th2 XX/XX/2023 the claim was denied? and no funds were adjusted. I am attaching the letter from CFPB and the new letter as well. I tried to contact the senior specialist who handled my case XXXX XXXX. I left several voice mails but she never responded to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: When I was called to XXXX XXXX XXXX, Synchrony Finance failed to put three of my credit accounts in Service Member Civil Relief Act ( SCRA ) status. After multiple failed attempts to get Synchrony Finance to put my accounts in SCRA status so that I could pay them off in accordance with SCRA capped interest rate provisions, Synchrony Finance charged-off my account in XXXX. I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX Synchrony Finance then retroactively placed all three of my credit accounts in SCRA status and refunded two checks to me. Synchrony Finance, on the other hand, refused to accept responsibility for their role in charging off my account with the correct amount and balance owed, which had a negative impact on my credit report. Synchrony Finance 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit account, change the terms of my credit, or refuse to grant me credit simply because I exercised my SCRA rights. Furthermore, a lender can not provide negative information to a credit reporting company simply because I exercised my SCRA rights. The SCRA required Synchrony to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate ; resulting in incorrect balance and debt owed ). They only agreed to retroactively cap the interest rate and adjust fees after I hired an attorney to send a letter and filed an official CFPB complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In early 2022, I was notified by XXXX, after making a XXXX time purchase that they had opened a XXXX credit card and XXXX. I told XXXX, it was the merchant who sent the sale through XXXX, not me, I hadn't a choice. XXXX nevertheless, coerced me to keep the account by making it near impossible to close the account to just leave it open. I never applied for, accepted or used the credit account. It was opened via deceit and fraud. For the past year I've done everything imaginable to get them to close the credit account and the XXXX account. They have outright refused! This known fraudulent account, they REFUSE to close. They're damaging my credit rating with each passing day. It's crazy. This is racketeering!! See attached. I don't even know the account number. Its issued through a third party company, Synchrony. Synchronization, I have other accounts with, this one isn't listed, they say only XXXX can close this credit account I never opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 783XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank refused to process my payment in a timely fashioned claiming insufficient funds available only after the payment due date. Upon contacting my bank, no such request for EFT to Synchrony was ever made causing my payment to be late and incur late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21209
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are hard inquires ON ALL OF MY CREDIT REPORTS That I never authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: CARECREDIT/Synchrony ... XXXX, XXXX, XXXX, XXXX, and XXXX, each year I would schedule all payments for the following/current year in XXXX, XXXX or XXXX. Emails and screenshots are attached. My payment due was maybe {$25.00}, but I scheduled {$50.00} payments on the XXXX of each month for the entire year, XXXX - XXXX. XXXX of XXXX, I did the same and scheduled {$50.00} payments on the XXXX of each month for XXXX - XXXX, which is all the system allowed indicating there wouldn't be a payment due after XXXX and this would pay this off in full. XX/XX/XXXX, they contacted me and advised that I missed a payment. My response was how could I miss a payment, when I had paid all your system would allow me to pay, which would bring my balance to XXXX. I have been paying {$50.00} a month, twice the minimum payment for over 5 years. That was a glitch in their system and they weren't going to charge me a late fee. I immediately paid them {$50.00} on XX/XX/XXXX. They contacted me again and I paid them another {$50.00} on XX/XX/XXXX. So, I paid them {$100.00} for a balance that was to be XXXX per their system. Their system allowed me to schedule all of the payments and stopped at XXXX of XXXX. Then they say I missed a payment that their system didn't allow me to pay, which would have been my last payment that their system didn't allow me to pay and then apparently they added late fees or something and I scheduled XXXX additional payments for a glitch in their system that they weren't going to charge me for. I saw this on my report and contacted them to resolve the issue that was clearly their fault. Their agent filed something for review with them in XX/XX/XXXX. All they did was add this back to my credit report as if it was new charges and labeled as a charge off effective XX/XX/XXXX. Synchrony has some unsavory business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I never received any collection notice for these two supposed collections from XXXX XXXX. I paid off my debt with Synchrony so I'm not sure how this collection came to be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A