Date Received: 2024-02-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Over the past year I have noticed that every time I pay my credit card by mail I get dinged with a {$40.00} late fee. The few times that I made a payment by phone, the payment was fine, but I have had over XXXX late payments applied to my account due to Synchrony supposedly not receiving the payment on time. The past XXXX months I have had late fees applied to my account every month even though I have sent payments in 10 days prior to the due date. This past payment was brought to post office for direct mailing and i was told that the payment should not take 10 days to get from the XXXX XXXX to the XXXX XXXX. As of today XXXX Synchrony is claiming that they have not received my payment which was mailed on XX/XX/2024 and due on XX/XX/2024. My suspicion is that Synchrony is purposely delaying picking up the payments from their XXXX XXXX XXXX after due dates. I have no way to prove that they have received my payment unless I send XXXX certified mail which is costly and unnecessary. I don't appreciate being scammed by this bank or b being charged repeatedly for late payments when the payments were sent in a timely fashion. I am asking that all late fees for the last XXXX months be rescinded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95135
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have care credit card through syncrony bank.This card is used for pet needs medical needs only. When I use the card and the purchase is over {$200.00} you are offered XXXX interest in 6 months or 12 months depending on where you use the card. I have had this card for years. I faithfully make payment. And maybe I am just noticing now but the payment allocation does not seem right and seems like shady practice. I had scheuled payments to pay off a balance on a promotion that was ending XX/XX/2024. I was looking at my account and the balance left on the promotion didn't seem right. I chatted with synchrony and they advised my {$100.00} payment- the minumum due was applied to XXXX promo and the remaining portion of my payment was applied to a promotion due XX/XX/XXXX. All of the balance on my card have promtional due dates with XXXX interest. I do not use this card for normal purcheses. When questioning again asking for documentaion regarding payment allocation the person advised that the minimim balance is applied to the promotion that is due and the remainder is applied to regular purhcases. I don't have regular purchases ; only promotion, but they still applied it to a promotion that was not due for months later. I was told to call or chat after every payment is made so they can reallocate my payments the way I want them. This is so much extra work on the customer. if the customer does not call it will take longer and more payments to pay off the promotion that is due XXXX. And if a customer doesnt notice they are putting the customer at risk for being slapped with back interest on promotions not paid on time. One person told me it takes 2-3 months for the payment to be allocated correctly, where aother person tells me its 48-72 hrs. I am not even sure what information is correct at this point, but I was not provided any documentation or shown where I could find it on the site
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Carecredit XXXX authorize loan without my permission and then reported it to the credit bureaus which is ruining my creditworthiness
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX ) This company XXXX XXXX Balance {$3800.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). This account that I have no knowledge of led to severe stagnancy in my business ventures. XXXX ) This company SYNCB/BRANDSMART POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX This account that I have no knowledge of led to severe stagnancy in my business ventures. This company SYNCBXXXX POTENTIALLY NEGATIVE Balance {$3400.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX This account that I have no knowledge of led to severe stagnancy in my business ventures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have attempted to dispute the Sychrony Bank/LOWES account several times with XXXX, XXXX and Sychrony Bank as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from Synchrony Bank and they have refused to provide it. I have requested that XXXX and XXXX Delete this account because Synchrony Bank has refused to validate this account by sending me the Origional contract. XXXX and XXXX refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX The total purchase was something. Around {$240.00} and the cashier said she wants to give me 10 % off and I need to get the credit card. I told her that no, I dont want a new credit card because I already have a couple and I dont want my credit to be run. The cashier replied that she wont run my credit and I need to put a wrong SSN so the system will avoid running my credit and she still can give me 10 % off. I made sure by asking again and she replied again with the same certainty that my credit will not be run. Now Im seeing through my bank application credit score tab that my credit was run. This is fraud and I dont want any credit card. I even told the cashier that its ok I dont want 10 % off because it wont be much but just {$23.00}. She said she will give me 20 % but now Im Looking at the receipt, she didnt even give me that as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Thanks to Synchrony bank my credit score has decreased and ruined my chances of getting a better transfer offer, they said I did not pay on time when in fact it was their fault to not deduct funds correctly from my bank account also they went ahead and deducted XXXX off my checking account with no authorization and now they charged me XXXX worth of interest in Cheap o air
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: PayPal Credit Card added me as an authorized user on XX/XX/XXXX on an account when I was a XXXX. The account holder was the father of my former boyfriend. I just found out I was an authorized user when my credit was checked in XX/XX/XXXX. I reached out to PayPal Credit Card and they said they could not remove me as an authorized user only the account holder. I have messaged the account holder on XX/XX/XXXX and he has not replied, I then left a letter on his door on XX/XX/XXXX and he still has not replied or removed me from this account that I never authorized. I am unable to remove myself because the account holder is ignoring my requests and PayPal Credit Card says I have no ability to remove myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98040
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Discrepancies in Reporting of Charged-Off Account on Credit Report RE : XXXX XXXX XXXX Dear Synchrony Financial Bank, I hope this letter finds you well. I am writing to address certain discrepancies I've observed in the reporting of a charged-off account referenced above on my credit report. After reviewing the information outlined in the " Synchrony Credit Card Master Note Trust prospectus, '' specifically regarding the charging-off and subsequent sale of receivables, it appears there may be inaccuracies in the reporting for my specific account. As per the prospectus, accounts are charged off as aged credit losses after 180 days of being past due, and these charge-offs are executed on various cycle dates during each Monthly Period. The receivables are then sold, and the purchase price is determined based on the recoveries from previously charged-off accounts for the same Monthly Period. Subsequently, on the last day of the Monthly Period in which a receivable is charged off, it should no longer be shown as an amount payable on the trust 's records. However, my credit report continues to reflect a balance on the charged-off account, which appears inconsistent with the procedures outlined in the prospectus. I kindly request your assistance in investigating this matter and correcting any inaccuracies in the reporting of my charged-off account to align with the procedures detailed in the " Synchrony Credit Card Master Note Trust prospectus. '' This act is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family! So it is crucial to ensure that my credit report accurately reflects the status of this charged-off account based on the prospectus guidelines. Please provide a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. Please be advised that a failure to resolve this matter promptly will be considered a breach of your 424B5 prospectus filing with the U.S. Securities and Exchange Commission ( SEC ) and a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and it will be reported. I expect a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. If additional information or documentation is required from my end, please let me know promptly. I appreciate your immediate attention to this matter and your commitment to ensuring the accuracy of credit reporting information. Thank you for your assistance in resolving 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: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
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: Company Name = Synchrony XXXX XXXX XXXX XXXX {$140.00} Reason = account has been closed as paid in full ; therefore, how was this charge paid and why and for what? Date of XXXX dispute - XXXX XXXX- emailed on their site. Date of XXXX dispute - XXXX XXXX - company was mailed a letter with details as well as copies of XXXX dispute email and other correspondence from them. Received letter dated XXXX XXXX from company asking for same as what was mailed in XXXX XXXX XXXX received letter from firstsource collections requesting payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A