Date Received: 2024-02-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX, has been repeatedly trying to contact me about a debt that I have. Now, i did explain that i was undergoing financial hardship and that i WILL contact them when i get financially stabile, to pay my debt. Now. Instead of calling me, they are calling my fiancees number, which i never provided to them, to try and get ahold of me. I feel its a violation of consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 541XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Amazon Synchrony Credit Card was closed for use in XXXX. However, there is still a balance I am paying on. Every so often I get an updated credit report saying that the card has been closed. The last XXXX times were in XX/XX/XXXX and XX/XX/XXXX, XXXX. This has a significant impact on my credit score. When calling synchrony bank they said they have no record of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found on my XXXX credit report that there is a hard inquiry made on XX/XX/XXXX, which was credited by Synchrony Bank for their LOWES branded credit card. I have never applied any credit card from Synchrony Bank, and I have never applied any LOWES branded credit card. I first contacted XXXX, and XXXX said only the original creditor can inform them of such removal. I then contacted Synchrony Bank on XX/XX/XXXX about such unauthorized hard inquiry, and Synchrony Bank did find a credit card account within their system, ONLY matching the name ( SSN, DOB, Address, Phone non-matching ). However, Synchrony Bank refused to inform the credit reporting agency ( XXXX ) to remove such hard inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
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: 2024-02-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I contacted Synchrony Bank to find out how my last payment was applied. In XX/XX/XXXX I made two payments totaling {$680.00}. I have a promotional balance that is set to expire in XXXX of XXXX. The original purchase amount was {$740.00} made in XX/XX/XXXX. I was informed that {$160.00} of the {$680.00} was applied to this promotion. I assumed the majority of the overpayment ( {$520.00} ) would go to the promotional balance. I spoke to agent XXXX who indicated that {$360.00} dollars of my payment was allocated to a promotional balance that expired on XX/XX/XXXX. The original purchase amount was {$740.00} on XX/XX/XXXX. {$360.00} of the {$520.00} was allocated towards this. She also indicated that I had two additional promotional balances that expired that I was not aware of. The first was a purchase of {$260.00} on XX/XX/XXXX with a current balance of {$32.00}. The second was a purchase of {$490.00} with a current balance of {$130.00}. I have made numerous purchases throughout the years including XXXX, XXXX, and XXXX in which none of the promotions expired. This would be after the consumer protection laws changed. XXXX XXXX indicated that all payments are applied to the oldest expired promotions first. If that were the case, then there is no way that I should still have a balance from the XX/XX/XXXX purchase. I requested the statements from the three promotional balances ( XXXX, and the two in XXXX ) as the statement did not indicate that the promotions expired and the capitalized interest was added on any of the promotions. It should be noted that last months minimum payment was {$160.00}. I paid the additional payment of {$520.00}. I neglected to ask what the balance is on the XX/XX/XXXX purchase that theyre claiming expired on XX/XX/XXXX. I have made all of the required payments on time which has resulted in this bank collecting thousands of dollars in interest. The concern is that those promotions did not have to expire as enough money was collected to pay them in full on time. This complaint is about a PC Richard Credit Card that is managed by Sychrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act thus creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I RECEIVED AN INSERT IN MY MONTHLY STATEMENT THAT STATES SYNCHRONY BANK IS STARTING A {$1.00} FEE FOR ANYONE RECEIVING A STATEMENT IN THE MAIL. I PREFER MAILED STATEMENTS. NOT EVERYONE, ESPECIALLY THE XXXX, DO NOT HAVE THE CAPABILITY OF RECEIVING ELECTRONIC STATEMENTS. I BELIEVE THEIR NEW FEE VIOLATES WHATEVER REG STATES THEY HAVE TO SEND OUT A STATEMENT. WHY SHOULD THE ONES WHO WANT A PAPER STATEMENT BE PUNISHED? A LOT OF TIMES, EVEN IF YOU HAVE THE CAPABILITY OF RECEIVING AN ELECTRONIC STATEMENT, SOME XXXX HAPPENS WITH YOUR DEVICE AND A STATEMENT NEVER MATERIALIZES. THIS SHOULD NOT BE ALLOWED TO BE IMPLEMENTED. WHAT CAN YOU DO ABOUT IT?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99654
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I received an email from Synchrony Bank stating that I will be charged a fee of {$1.00} monthly for each billing statement that I am sent through the mail in regard to my Lowe 's credit card. In order to avoid this fee, they are requiring me to sign up to receive paperless billing. A number of years ago, my personal information and social security number were breeched, and I have had to freeze all three of my credit bureaus. I currently receive all of my bills through mail as I do not prefer to put my personal information on a company 's website where it can be taken again by someone else. On XX/XX/XXXX, I contacted Synchrony Bank to ask them for an exception to this fee because of the issues I have had in the past with my information being protected. They told me the only way to avoid the fee was to sign up for paperless billing or opt-out and close the card. I asked the representative to have a supervisor contact me back. No one ever contacted me back. On XX/XX/XXXX, I contacted Synchrony Bank again to find out why no one ever contacted me back. They told me again that they will not exempt me from this fee and the only way to avoid it is to sign up for paperless billing. Again, I asked to speak with a supervisor. I was placed on hold with the representative. When she came back on the line, she said that the supervisor said the same thing. The supervisor refused to speak with me. At this time, Synchrony is charging me 28 % interest. Over half of my payment each month is being applied to interest ; roughly {$110.00} a month! Not only are they going to charge me a fee of {$1.00} monthly, but that fee will be added to my balance, and I will be required to pay 28 % interest on that fee each month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had a CD for 5 years with Synchrony. I renewed it for another 5 years. Last XXXX they started to take out Federal with-holding. I was given conflicting info from the bank about how to return their signature card. I followed their instruction, which were incorrect. I pay my own estimated taxes quarterly, so I do not want Synchrony to take out W-H . I contacted Synchrony more than 6 times to stop this. On XXXX, XXXX, Synchrony employee number XXXX told me the W-H would stop. It didn't. On XXXX XXXX XXXX in their IRA Dept. said the W-H would stop. It didn't. On XXXX XXXX XXXX and XXXX XXXX said the W-H would stop. It didn't. I noticed on XXXX Synchrony with-held another {$280.00}, unauthorized by me. On XXXX XXXX XXXX checked with her manager ( XXXX XXXX at their Escalation Help Desk ) ( I was on the phone again with Synchrony for nearly one hour this time, several hours total time ). I was informed the W-H would stop. This remains to be seen. I can tell you after more than 6 years as a Synchrony CD holder I live off of the interest and pay quarterly estimated taxes. I am XXXX and live on a limited budget. It is very plain to me that Synchrony doesn't give two hoots about their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Company Name : SYNCB/Walmart XXXX I recently ran a credit report and this account shows under my name. It seems that is not correct since I do not have anything under the account # that they have on file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A