Date Received: 2023-07-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have multiple cards with this company, while I have been making payments ON TIME, they have been decreasing my credit limit EVERYTIME I make headway on paying them off to help my credit score, with this happening they are increasing my utilization and making my score even WORSE everytime they do this, I have a XXXX, XXXX XXXX and also a XXXX card and they have done this to ALL of them several time and they have also say it was because of credit issues, how can I make this better if they are activley working to mak the situation worse, also NONE of my other account have had this issue from other leanders how can they be the only one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have both credit and XXXX through synchrony/Paypal. I am not able to make payments anyway but call hold for 30 min and give info to rep for fee. I have 3 checking accounts. 2 from same bank business/personal and one checking/savings at another bank. I have tried to link all three accounts at different times and none of them work. I use all three of these accounts on paypal to buy anything from anyone but can't pay them. I have called for months and sychony tells me I have to talk to PayPal and Paypal says talk to Synchrony. I have tried with both. They will link my account and then say the payment bounced on both accounts. I call the bank and they do not show it ever hitting account. I have been charged late fees and I'm now 30 days past due. I called Synchrony directly and they transfer me back to synchrony/paypal and the run around starts again. I do not want this on my credit and I should not have to pay late fees when it's their system and they don't even care. I am questioning if there is a scam going on. I have never had a problem in 30yrs just paying a credit card. Plus the money was in my account when they claim this check bounced. It's not the first time either. I have names and ID 's for some people that I have spoken to at Sychony.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Amazon set me up for a subscription without my permission and has been making it difficult to cancel. I have called several times to cancel the account and be refunded only to have it reopened and be charged again. This has negatively impacted my credit score as my family is in the market to purchase a home, its very frustrating. In addition I have had several of my credit card accounts closed and I suspect ( since they are administered by Synchrony bank ) it is due to the Amazon store card situation. It has been and continues to be a great hindrance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX $ credit card from value City XXXX XXXX for two beds for XXXX years bought in XXXX paid in full XX/XX/XXXX last payment was XXXX just in less one year paid .... from that day keep charging me fees and report me to credit report and destroyed my score from very good to bad I called them and closed my account they charge me XXXX fees for a plan protection and I did cancel it by sending them sign papers to FL company they didn't answer my phone or I found out its fraud company they didn't come and fix my beds... so I don't have any solution just to take them to the court if they don't stop bothering me with a false fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Amazon Prime Store Card with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon Prime Store Card to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon Prime Card with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since 2019 to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company closed my account, but before this I overpaid my credit card bill. The balance they owe me is {$35.00}. I would like to receive a check as soon as possible for this balance. It has been in their possession for a long time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: -I am opening this complaint under the category of discrimination- I am a XXXX business owner with a credit score of nearly XXXX. I opened a Venmo credit card with Synchrony Bank in XXXX and have never missed a payment, never defaulted on the card, and paid the card off entirely nearly every month. I own a XXXX store in XXXX and have an excellent reputation in the XXXX industry. I used my Venmo credit card to make purchases from a vendor on a weekly basis. These purchases would range from {$300.00} - {$3000.00} and were always paid off quickly with no issues. I received a letter on XX/XX/XXXX which informed me that my account had been closed to do.. and I quote, " Risk of not paying '' Again, I have never missed a payment on this card and regularly pay in full. I did attempt to reach out to customer service and spoke with a supervisor. I was informed that no further information could be provided and there was nothing that could be done. I was also then informed that the {$150.00} in cash-back credit rewards would not be paid out due to the closing of my card. I am completely convinced this card was closed because I always paid it on time and they never accumulated interest. I have all records to show my XXXX payment and am happy to provide them. This is discrimination against a hard-working, honest, tax-paying business owner. I am very frustrated, concerned about the impact this has on my credit score, and researching legal action. This is the land of the free, I will go above and beyond to expose such activity and have all the documentation to prove my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A sales associate from Ashley Furniture Home Store issued me a Synchrony Bank credit card without my knowledge or approval. I was contemplating buying a couch from the furniture store and asked if there was a way to pay for it over the course of a few weeks. The representative advertised that they would check whether I qualified for a credit card, they did not say they were signing me up for one without my approval. I had made it clear to them that I did not want a credit card and the representative assured me they were just going to check if I'd qualify. This credit card was issued to me without my consent. I have never even purchased anything from Ashley Furniture and they are attempting to damage my credit with this credit card that I never asked for and will never use. This is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 I have agreed to a settlement with Synchrony Bank / Ashley Furniture in the amount of {$1200.00}. With three consecutive monthly payments. I have fulfilled the arrangement and provided proof of the payments as well attached to this dispute .Keep in mind of the last payment in the amount of {$50.00} which was made over the phone. Because a representative stated that they had an issue with their system with that last payment. So they advised me to call and pay and when I paid the {$50.00} and I a was verified by multiple representatives that the account was paid in full clear. I have also days later called multiple times and each time was verified that I paid off the amount in full. Months to year later it reflected on my credit as a charge off. I have called multiple times spoke with their dispute department. Sent letters with documentation of them wanting proof of payments, which I sent to them. And there response letters only stated in return that I owe them something each time. They never really reviewed my proof just wanted me to pay. No direct response either really frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A