Date Received: 2023-08-02
Issue: Problem when making payments
Subissue:
Consumer Complaint: I am filling this complaint bring to your attention a critical issue that I am facing with regards to my loan repayment. As an earnest borrower, I am disappointed and frustrated with the current restrictive payment options that have, thus far, made it impossible for me to meet my repayment obligations. This unexpected obstacle is not only causing me undue stress, but it also threatens to unjustly impact my credit score. When I procured the loan, I was not informed about the specific need for a major bank bank account debit card, XXXX, XXXX, or XXXX checking account to make payments. Attempting to utilize alternate payment methods like my XXXX XXXX debit card or XXXX XXXX card resulted in failure, as they were not accepted. Even my attempt to pay with credit cards, or ach withdrawal from my XXXX prepaid account was unsuccessful. Furthermore, I tried to resolve this issue by seeking your mailing address on XX/XX/XXXX to XX/XX/XXXX so that I could use a mail pay service, as I have successfully done with other bills for the past five years. However, I was informed that your company does not accommodate this traditional form of payment, a response that seemed unusual and inexplicable to me. As a last resort, upon advice from a manager in your company, I purchased two prepaid debit cards at an additional cost to me, only to learn that your company can not accept this form of payment either. It is highly concerning that a company targeting underserved individuals with banking products presents such challenging barriers to making payments, and imposes requirements that customers are unlikely to meet. This pattern of limited and specific payment options raises serious questions about the underlying intentions of your company. It appears as if the hurdles in the payment process could potentially lead customers to incur unnecessary late fees and penalties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: have an XXXX XXXX card and my payments are on the XXXX of each month, and by mistake I made two payments last month on the XXXX and XXXX of {$1000.00} each, when I realized I called them and they say that the return process A payment takes more than a week and today it is 2 weeks and they do not return my money, and I made two purchases and they have already been deducted and my payment for the following month is also deducted, I think it is not correct, they just charge a fee if you spend a day quickly they should process the refund of my money quickly and wait for the day of my next payment for me to do it and not for them to charge it directly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
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 have a XXXX XXXX Credit Card ( Synchrony XXXX ) that ends in XXXX. I am writing you today requesting support in resolving XXXX issues and concerns. The first concern and issue is that I have not been issued a refund ( {$240.00} ) to my credit card. A refund from XXXX ( XXXX # XXXX ) was issued on XX/XX/23 and cleared on XX/XX/23. When I contacted the XXXX XXXX number, the customer service operator advised me that a refund had not been processed and that I would need to contact XXXX for further assistance. I contacted XXXX, and they supplied me with some supporting documents and information that support my claim that I did return some items and that I was owed a refund. XXXX went above and beyond and supplied me with screenshots showing how the transaction was refunded. My second concern and issue is that I was charged twice for only XXXX item I purchased. I was charged {$77.00} XXXX for order # XXXX. When I first called XXXX, the customer service operator advised me that the sales associate at XXXX billed me twice by mistake and that I needed to contact them for a refund. I advised the operator that the information they provided me was false because I did not go into a storefront ; I placed this order myself on a website, and the invoice reflects only XXXX item purchased. I contacted XXXX again for support, and they confirmed that they only billed me for XXXX item on XXXX order that was charged to my XXXX XXXX Credit card, {$77.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on the Synchrony Bank CC portal. They took the money from my checking account but will not post it to my credit card account for 5 days! They are holding my money hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33770
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I recently discovered that a credit account was opened without my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX a pay off of XXXX dollars was credited to my Lowes account to pay off the balance of my credit card. XXXX i got a statement with a reversal of payment. I called the credit card company they said they never received the check and have no records of a check clearing with them. I contacted my mortgage company whom the checked with issued thru, they sent me a copy of the checked which has the stamp from the credit card company showing it was cashed on XX/XX/XXXX Ive sent this information and faxed over the check showing they cashed it and they will not honor it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank offers store-specific credit cards. We have two credit cards, one for Lowes and another for XXXX XXXX. Both cards offer a promotional no interest for 12 months, and the Lowes balance is {$0.00}. When making my monthly payment for the XXXX XXXX card, it was applied to the Lowes credit card. That would mean that the XXXX XXXX card automatically incurs fees ( interest fees and late payment fees ). I suspect that Synchrony Bank is purposefully applying payments to the wrong card so they can charge fees. Note : The bank representative corrected it when I called, but it still smells fishy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: PayPal so for my credit card I was giving XXXX $ with good credit witch I should got more for having food credit I was using the credit card for gas and more then days later the decreased my account with out my knowledge no contact email or no mail to let me know what happening so I feel I was treated unfairly they didnt want to help me I called today XXXX XXXX XXXX XXXX and I called other times as well I feel people around with different backgrounds a few of my white friends with bad credit got a higher spending limited with no problem I feel the company was unfair somewhat XXXX for no communication with me about my account I feel They sold My information as well I feel uncomfortable with PayPal having my information they treat me wrong and I want o sue for my time information and the unfairness
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ref. : Company : PAYPAL CREDIT/SYNCB ( Synchrony Bank ) Address : XXXX XXXX XXXX, XXXX, PA XXXX Account holder name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Payment amount : {$2500.00} Dear CFPB Repr. On XX/XX/ I sent XXXX XXXX official bank check with USPS registered mail to the company with payment coupon. Please see attached, payment coupon, USPS receipt and copy of the check attached. The Check was received by company on XXXX XXXX XXXX please see USPS tracking screenshot attached. On XX/XX/ I submitted lost check dispute with the company and spoke with representatives several time about lost check. Today I received email from my bank, XXXX XXXX that check was returned by company to them because Synchrony bank hey were unable to locate the account which is very strange after all. My bank will be reissuing check and sending it but meanwhile I strongly believe Synchrony bank should waive all the interest charges and fees associated with none payment because it was clearly their fault and they did admit on the phone when I spoke with managers on XX/XX/ Manager name XXXX XXXX XXXX XXXX that it was computer glitch. Please let me know if you need any additional information. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: None of the choices were applicable. But I am trying to get a mortgage and the underwriters are asking for a letter from Synchrony bank stating that the balance shown on my report is actually not owed but was forgiven because we did a settlement. I have called synchrony multiple times and they keep telling me they can not give me a letter. I dont know what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A