Date Received: 2023-07-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/2023 - I went into XXXX and when I was at the front desk purchasing the clothes the front desk representative asked if I wanted a card that would save me 20 %. I thought it was a discount card that most places tend to offer thee days. So I applied and she said " you did not qualify '' I asked if it was a credit card that I was applying for and she said " Yes ''. She didn't inform me that I was applying for a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Background information : CareCredit offered me a promotion of no interest incurred if payed in full within a specific time which would have ended XX/XX/2023. Months prior to that, I signed up for CareCredit to automatically withdraw XXXX on every XXXX of the month. When I looked at my statement I saw that I would have to pay an additional XXXX for the month of XX/XX/XXXX in order to complete the promotional period of no interest successfully. So I paid XXXX on the XXXX of XXXX and the automatic XXXX withdrawal that takes place on the XXXX of every month would have paid off my promotion and I would not have incurred any interest. CareCredit and their underhanded devious tricks only debit an automatic payment on the XXXX of XXXX for XXXX to equal a XXXX and therefore prevented me from successfully fulfilling my promotional obligation and thereby they assessed my account for XXXX interest on XX/XX/XXXX. The fact that they are accessing my account for amounts I did not approve is another offense itself. Using my account for unauthorized payments is against the law. We all know when automatic payments are set up and payments made in addition to that has absolutely nothing to do with deducting from automatic payments. It was dirty and underhanded. I want them punished and I believe we should receive a monetary punishment from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
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: 2023-07-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have 6 synchrony accounts never paid late- never missed a payment- never got a check bounced, been using all my cards and paying them down. 3 days ago they closed all my cards and said it was a Risk of me paying. How did they get the assumption if I never paid late. I am currently working. I pay all my bills on time- mortgage never late- car note never late- I was truly embarrassed when I went to use my card at Lowes and they said my account was closed. This is not how to do business nor how they should conduct business, they could have frozen my accounts for a short time not to use them if that was the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08865
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: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have been making my payments on time and also paying extra money towards my bill. But seems like I'm not getting anywhere with the bill. It's like the bill is steading going up and not down. If anyone is considering CareCredit, I would tell them to really think about it because you will be paying them forever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am XXXX XXXX XXXX XXXX man and total negligence in giving out a credit card. They refused to give explanation why credit card was denied, after calling and writing several times. Its is probably a case of Racism and white supremacy. I asked to reapply, and provide drivers license with physical address. However, XXXX XXXX is a XXXX that refuses to reapply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: If there is EVER a class action lawsuit against Sychrony Bank, I will be first in line! Today I received notice that they closed an account of mine, which is now the FOURTH TIME, theyve done this which affects my credit score! This time it was my Care Credit card. The last three were XXXX XXXX, Sams Club and XXXX. They always put this in the letters : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Too Many Bankcards With High Balance Compared To Credit Limit Delinquent Or Derogatory Accounts The problem I have with this is that I DO NOT have delinquent or derogatory accounts, and NONE of this was a problem when I opened the cards! Our home is in my husbands name and the cards that they closed ALL HAD XXXX BALANCES when they closed them! Our bankruptcy was in XXXX and every single card I opened was AFTER that so what has changed? I do not have negative payment history because I have been crazy vigilant about my payments and credit. Yet when they close these accounts, it does affect my debt to income ratio and the way credit scores are calculated, this is harmful. So even though I dont owe anything on these cards, its different if theyre closed vs just dormant! There has GOT to be something that can be done about the way they do business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: " Interest free '' credit offerings by Synchrony Bank are available through numerous merchants. While there is a disclosure regarding terms offered during the application process, those documents are not available within my on-line account ( or, if there, are not easily accessible ). I logged on to review my account upon being notified of my first payment and its due date. The full balance is clearly displayed as is my " minimum payment '' amount. What is not displayed is the expiration date of the interest free term. Also, the minimum payment is lower than that required to retire the balance at the end of that interest free term. In my case ( using approximate values ) I have a balance of {$15000.00} with an 18 month interest free term. My minimum payment is {$500.00}. If I pay the minimum payment every month I will have drawn my balance due down to {$6000.00} by the end of the term ( {$500.00} x XXXX = {$9000.00}. {$15000.00} - {$9000.00} = {$6000.00} ). At that point, I will begin accruing interest at 30 % per month on the {$6000.00}. The deception is in the opaque nature of the obligatory balance that will remain if only the required minimum payments are submitted. The site should clearly show the impact of doing that as described above, and also show the monthly payment required in order to pay the balance off at the end of the interest free term. Note that the company reported profits of {>= $1,000,000} for the second quarter of 2023 of which {>= $1,000,000} was returned to investors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59102
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have three credit cards ( XXXX 's, XXXX, XXXX XXXXt ) which are all issued through SYNCHRONY BANK. When I receive a bill from these companies, the payment is made to SYNCHRONY BANK. I have had these accounts for several years, and have always paid on time ( we HAD excellent credit ). I have been receiving paper bills in the mail, I do not pay electronically. In XX/XX/2023, I received all three bills in the mail, and paid the balance, or the amounts due. I did not receive a bill in XXXX, XXXX, or XXXX on any of these three accounts. In late XXXX I received emails stating that all three accounts had been closed for non-payment, with months of interest and penalties added. I called to resolve the issue with each SYNCHRONY account, and was told that I must have asked for electronic billing. I did not ever request electronic billing, and there was no billing sent to me ( I checked spam and trash ). I asked for paper copies of each bill, for each month, from each card. When I received the copies, I noticed my XXXX, XXXX and XXXX statements had been sent to an address in OKLAHOMA! ( I never lived in OKLAHOMA and live on the west coast! ) I filed a complaint on each account and they denied it. SYCHRONY BANK will not admit that THEY screwed up. I am trying to repair my XXXX XXXX - and cancelled all accounts with SYNCHRONY BANK! They will LIE to your FACE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Lowes credit card issued by Synchrony Bank has added a phone number which can be used to verify my account that I never added. They said to call XXXX at XXXX but they shouldn't be allowed legally to add anything no matter who reports any information especially as a verification method without my consent. I believe this to be wrong and should be addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01610
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an account with Synchrony Bank. I have three store cards that process through Synchrony. There is also a Synchrony app, where you are supposed to be able to make payments. I only have a balance due on a Care Credit card. To use the app, you have to enter your Synchrony account number. This is a problem, since I NEVER RECEIVED A SYNCHRONY card. I don't know if it was lost in the mail, mis-delivered, or something else. Any email corresponcence they send, has only the last 4 digits of the account number. Trying to get past their XXXX digital assistant is nearly impossible. This means the only way I can make a monthly payment, is to get on with somebody, via chat. It takes forever to accomplish this. All I need is for them to send me a duplicate Sychrony card, and I think I'm good. But, YOU CAN NOT get to a human when calling their number. Look at theri XXXX account and you can see, I am one of hundreds with similar issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A