Date Received: 2023-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I make 1/2 of my payment bi-weekly. Because sometimes 3 halves of the payment post during one billing cycle ( by 1-2 days ) and only 1 during the next cycle ( 2nd being make 1-2 days after cycle ). Synchrony bank charges me late fees. I am not late - I am actually ahead of their schedule and will end up making 13 payments in a year rather than 12. Each time this happens it takes 3-4 calls to get it corrected. This time they are refusing to correct the problem. I am not sure how a company can charge late fees to a customer who is actually ahead in their payments..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
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: In XX/XX/ 2023, I called Synchrony Bank because they were adding late charges on my account when I had sent copies of my checks showing when the funds were taken out! I usually send both bills in one envelope but only one is posted! I made several calls regarding this, Supposedly, I spoke with a Supervisor the last time, and I explained yo her the problem and also that I had lost my husband. She not only decreased my account but also put 3 late payments on my credit report. I have NEVER been late with my payments. The XXXX XXXX advised me not to send both payments on the same envelope because it may get thrown away, and she said it did happen. When I some with whomever calling herself a supervisor she was very very rude. I tried to explain to her that I had just lost my hubby and was adjusting to a new lifestyle. My husband did not leave me destitute, in fact I am very well off. Why she ruined my credit is very frustrating to me! It is called Retaliation! I have several accounts with this bank and I have always paid on time. The mistake was send two or three accounts in the same envelope with checks, and the XXXX XXXX explained this to me. This so called Supervisor took it upon herself not only to decrease my credit limit, but also to put 3 late payments on my credit report!!!! If this is not taken off and corrected along with my credit decrease, I intend to SUE this bank and I will win. I have all of my bank statements etc. I am taking this very seriously because I have money to pay my bill, and for this person to deliberately ruin my credit is FRAUD!!!! I sent in copies showing where my payment were posted on would post and the other was not!!! Not my fault. This needs to be corrected ( the late payments ) or will will go to court!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75089
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony Bank is misapplying payments and not honoring promotional purchases that have deferred or no interest. Synchrony Bank is charging late fees even when the payment is received before the due date. The screen shot below shows a XXXX XXXX applied XX/XX/XXXX, which is the payment due date. The screen show also shows the payment of {$250.00} was received XX/XX/XXXX, which is 6 days before the due date. Synchrony Bank shows incorrect minimum payment amounts on their statements regarding the minimum payment to avoid interest. I have screen shots and statements that show the incorrect calculations and misapplied payments. These statements are not being included due to containing personal information.
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: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I previously had a Citgo Rewards Card through Synchrony Bank. The issue began on XX/XX/XXXX when my first payment of {$92.00} was due. Having previously provided account information and setting up auto pay, I believed the payment was made. On XX/XX/XXXX, I was notified by Synchrony Bank that the {$92.00} payment was returned due to " Insufficient Funds. '' I immediately contacted my bank XXXX XXXX XXXX XXXX by telephone who advised me that the funds were in the account. I contacted Synchrony Bank by telephone directly after speaking to my bank. The customer service agent informed me that they attempted to pull a payment from a savings account which was returned. I advised them the payment was to come out of the Checking account. I also transferred the {$92.00} payment from my Checking account to the Citgo Rewards account. I was told there was nothing they could do. The agent got extremely argumentative and very rude. I called XXXX XXXX XXXX XXXX and after speaking to them, they gave me an account number that is directly linked to my checking account number in order to resolve the issue. I immediately called Synchrony Bank back and provided them with the new account number. At this point, I believed the problem was resolved because there was no further issues until XX/XX/XXXX. On XX/XX/XXXX, I made the minimum payment due on the Citgo Rewards account in the amount of {$29.00}. On XX/XX/XXXX, I received a letter in the mail from Synchrony Bank stating my account was closed on XX/XX/XXXX due to 2 returned payments. I immediately contacted Synchrony Bank by telephone advising them that I have proof of payments and again was told there was nothing they could do. I was informed that this was my problem and not theirs. On XX/XX/XXXX I requested proof of debt due to the damage Synchrony Bank had done to my credit report with their negative remarks they reported to the credit reporting agencies which I have attached the supporting document they provided to me on XX/XX/XXXX. I also questioned why an account which was closed on XX/XX/XXXX had a purchase on XX/XX/XXXX to which I have not received a response yet either though Synchrony Bank continues to assess late fees to me. I have also attached supporting documents that prove both payments which Synchrony Bank claims were not paid were in fact paid. I have made numerous attempts to resolve this matter with Synchrony Bank and have spoken to many customer service agents though Synchrony Bank refuses to cooperate and customer service agents repeatedly tell me there is nothing they can do. I have spoken to XXXX XXXX, XXXX XXXX XXXX 3 times ), XXXX XXXX and a woman named XXXX who refused to provide a last name or agent ID number. I also left a voicemail for XXXX XXXX who sent me the letter on XX/XX/XXXX stating my account was closed. XXXX stated in the letter " I welcome the opportunity to assist you '' yet she has not returned my voicemail. It is now XX/XX/XXXX. It has been nearly 6 months since I left her a voicemail with no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: An Account was charged off and listed as a profit or loss write off. I have not received the 1099 that should have been mailed to me. Report also has many errors on this account, all showing different dates
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized credit inquiries on my report according fcra these unauthorized and unverified items must removed plus15 usc 1666b its illegal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received XXXX emails this past month from Synchrony Bank stating there was a notice regarding my account. When I follow the link, there is a letter stating my account is being closed based on information provided by XXXX XXXX XXXX XXXX XXXX due to the following reasons : Too many balances on my credit cards ; too many credit cards ; too many credit cards with balances ; and no " real estate loans on file ''. At no time did I have a real estate loan on file when the cards were issued. FURTHER, the cards that are being cancelled, Discount Tires and XXXX XXXX XXXX cards had no balances and have never been late. I am in the process of obtaining a mortgage for a home WE built with CASH that has NO PAYMENT because we paid cash to build it. Some of my current credit card debt is due to using my cards while building the home. However, these credit cards existed prior to the issued Synchrony Bank cards which are now being cancelled. THERE have been NO LATE PAYMENTS EVER on any of my accounts and at no time did Synchrony Bank disclose a mortgage loan was required to have such credit card accounts. I unfortunately have XXXX additional cards which are all apparently through Synchrony Bank XXXX XXXX, XXXX XXXX, etc. ) which DO have balances. After doing some research online, I found multiple people complaining this bank abruptly closed their good standing accounts resulting in a derogatory XXXX XXXX. AND THAT IS MY COMPLAINT!!! If a credit card company can close an account for NO REASON or lower the available credit down to the outstanding balance for no reason other than the very vaguely stated reasons given to me, they will negatively impact my score and prevent me from obtaining credit, best insurance rates, mortgages, etc., due to their negative action through NO FAULT OF MY OWN. Banks have the right to extend credit, but IF THEY CHOOSE TO revoke that credit and there have been NO late payments or over the limit charges to such account -- THIS SHOULD NOT BE ALLOWED TO NEGATIVELY IMPACT an individuals credit report. I intend to payoff ALL OF MY Synchrony Accounts and will not use them again in the future. I will also be notifying the retailers of my reason for never using those accounts again. As the agency whose purpose is to protect consumers from financial harm, XXXX XXXX XXXX XXXX should be taking action that results in derogatory and negative impact to an individuals score because a bank issuing a credit card opted to close an account for their own internal reasons. I called Synchrony Bank to discuss but their customer service stated any action taken is based solely on information from XXXX XXXX and I have to contact XXXX XXXX to dispute my credit. XXXX XXXX Stated they do not maintain information regarding whether an individual has real estate, only if there is a loan and the history of such mortgage loan. Again -- I DID not indicate I owned my home when I applied for these credit card accounts. I marked " other '' with no monthly rent, as our home had no mortgage and was in a family trust. In the past year, we actually built a XXXX home which is now titled in our names, and for which we are seeking a small equity mortgage to payoff card balances accumulated while building our home. The action taken by Synchrony with NO WARNING whatsoever or even a request for information from me absolutely resulted in lowering my XXXX XXXX. Further, I have NEVER paid my account late, the cards being cancelled had no balances and were paid in full whenever used. Nor do I have ANY LATE PAYMENTS ON ANY ACCOUNTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have two promotional transactions with the company. They required a fixed payment with each promotion. The promotion with the lower APR is XXXX XXXX. The promotion with the higher APR is XXXX XXXX Within the same billing cycle, I made two payments to equal the minimum payment of {$290.00}. I made a payment of {$140.00} on XX/XX/2023, however it was not put on the lower APR promotion. It was instead put on the higher one. I called and requested it to get moved to right one. I never happened. I then made my next payment of {$140.00} on XX/XX/2023. The company split this payment where only around {$70.00} got put on the lower APR, and the remainder got put on the higher APR. Thus, giving the higher APR promotion over {$200.00} ( way over the minimum required amount ) and giving the lower APR promotion only around {$70.00} ( way under the minimum required amount ). I've called multiple times requesting that they reallocate the funds so that both accounts get the right amount that is required under contract with CareCredit. Each time, I'm told it'll get fix in 72 hours. It never does. And I've received two letters saying they can't fix it. Which doesn't make sense, because I'm only asking them to apply the funds like it should have been applied in the first place. When I talk to the managers on the phone, including on XX/XX/2023 -- they are very rude and nonchalant about the fact that I am about to have undue hardship on me, my credit score, and my finances because of their error. Because of this error, I now have to make an additional payment on my lower APR promotion -- going beyond the 24 month contract that we agreed to. There's also provisions that I will be charged extra interest if I do not pay off that account in 24 months. When, CareCredit is the one that breached our contract. All I want is for them to fix the allocation, so I can finish paying off my account ( without added interest ) on time. The month of XXXX is supposed to be the last month that I am supposed to pay. Because of their error, I will now have to pay an additional payment of the lower APR in XXXX -- triggering extra fees and interest because of their accounting error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, while reviewing our information our account at XXXX XXXX XXXX ( XXXX ), account # XXXX, my wife discovered that {$50000.00} was transferred to Synchrony Bank on XX/XX/XXXX without our authorization. We immediately filed a fraud complaint. We then called Synchrony Bank ( Synchrony ) and discovered that an account had been fraudulently set up in my name, account # XXXX, and the money from XXXX were to fund the account. We immediately claimed that fraud was committed, and they agreed and froze the account preventing any unauthorized withdrawals. Both XXXX and Synchrony performed their ( Reg E ) due diligence and realized that I was a victim. Without my knowledge XXXX filed for a reclamation but was rejected by Synchrony due to their freezing the account and preventing any withdrawals. While this was going on, both banks had been telling me that the reclamation was in process and that it should be resolved within days. Each time I called for a status update each bank would tell me something different and that it would take longer to resolve. To prevent a long-winded story, on XX/XX/XXXX, I instituted a three way telephone call between myself and both banks. After ninety minutes it was finally (? ) resolved as to what each bank had to do to have the funds returned. However, Synchrony advised me that even though the process has been sped up, they will still take their time in returning the funds to XXXX, with a resolution time of nearly three ( 3 ) months. I have filed a complaint with the executive offices at XXXX but was unable to find any means of communication with Synchrony executive offices, hence this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries and addresses on my credit report that I did not authorize : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXXXXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX 4. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX -The following account is not mine nbsp ; SYNCB/TOYS Account Number : Please remove it from my credit report. 15. The following account is not mine XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 16. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX 17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX 18. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 19. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 25. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A