Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony closed my account without any warning. Account was up to date, was never late always paid early. Closing my account is negatively affecting my credit score when all I have been is a positive customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I signed up for an Amazon credit card serviced by Synchrony Bank many years ago. At the time of application, Synchrony Bank, without any clear indication signs up the customers for a substantial amount of " monthly protection fee '' which is listed as " XXXX XXXX XXXX XXXX XXXX XXXX '' on the statement for the amount of {$74.00}. If you accept to apply for the card, you're automatically signed up for this service. This is extremely misleading and no other financial institution forces such devious optional service. I called Synchrony Bank last year, and they credited only 8 months of fees, and I still have nearly 3 years of fees that have not been returned. Furthermore, I have called and left multiple messages requesting a call back from a " supervisor or a manager '', but there have been no callbacks. I only received a letter from them stating that fees can't be reversed. Additionally, I provided the bank with my current address at the time of the application, however, the bank automatically associated an incorrect address to my application, leading to all mail going to an incorrect address. All charges arising from my personal use of the card have been paid off. My only remaining balance is the sum of all these fees that have been charged to my account. My remaining balance as of XXXX is {$3000.00}. I would like to mention that the company has been charging me interest monthly for all these " unpaid '' fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have interest free promotional purchases on my Care Credit account. Every month I have difficulty paying those promotions off because my payments arent being allocated correctly. I have to call or virtually chat with a representative at least 3 to 4 times after each payment to get it fixed. Each representative tells me that theyve allocated my payment as requested only to not have done so. I know that this is a tactic used by Care Credit in hopes that the consumer wont pay off the promotional purchase and they can charge interest. I make most of my payments online and then immediately contact them to allocate the payments. I have even tried making payments directly over the phone in hopes that my payments would be allocated correctly without having to contact th multiple times. That did not help either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX has posted an account on my credit report. XXXX XXXX associates is a debt purchaser. However XXXX XXXX services never notified me of my right to dispute the debt that they purchased from Synchrony bank. In addition they claim that the Date of first delinquency was XXXX XXXX THe original date of deliquency was XXXX XXXX with no payments or promises to pay being made after that,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Ashley Store Card with Synchrony Bank.I have minimum payment of {$36.00} made on XX/XX/XXXX but my payment date on XX/XX/XXXX they charge me a late fee of of {$30.00} with no grace period but waive {$30.00} but still have to pay {$67.00} on XX/XX/XXXX instead paying the minimum.I cant afford to paid the {$67.00} only can paid the minimum so going to charge another late fee where I be in default.Seen to me Synchrony Bank price gouging.This to me illegal seem to me there so be a grace period put in place.Should file a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!! The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed. IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the creditors for the removal of these fraudulent inquiries on my report and haven't had anything but empty promises to remove. I have also sent a previous FTC report over to XXXX and they suggested to do an updated report to include these inquiries specifically. So I would like to report and remove all inquiries dated XX/XX/2021 ( SYNCBXXXX XXXX to XXXX XXXX XXXX ( SYNC/XXXX XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have {$11.00} balance in my XXXX account ( XXXX account email XXXX ). XXXX permanently limited my account so I can not withdraw this {$11.00} to my bank account, nor can I request a check. I contacted XXXX and was told my account has been permanently limited so nothing I can do to get the {$11.00} in mu account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 089XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Original card, invoice, and all communications were being sent to wrong address ( a shipping address on my Amazon account ). Phone number and email address were wildly incorrect. Sent payment through bank bill pay service, this has been accepted before but check was returned to bill pay service through XXXX bank. Credit card issuer can not comment, transaction ID bank provided doesnt show in their system. No further info provided from credit card issuer of why they refused payment. Payment was of course considered late. SYF lowered credit amount, both actions reported to credit reporting agencies. Called to discuss, supposedly removed late fee and corrected problem. Late fee was still there and now another for XXXX. Sent payment directly on the issuers website since bill pay paper check was refused, creditor decided to remove all available credit, report to agencies and account is flagged while they verify the payment to decide it is not fraudulent. There is no prior history of returned checks ( unpaid ) or other payment problems not created by the card issuer. My credit report has been negatively affected by this random and uncalled for payment verification process. They claim there is no escalation, no process to dispute, no reason in their records specific to my situation but a long paragraph of reasons it could happen. This seems to be in violation of my rights and it is definitely affecting me in a negative manner. The payment they sent back uncashed was for {$120.00}. The payment made on their website was for the total amount due approximately {$200.00} leaving a XXXX balance. I had {$16.00} rewards available and the credit limit was originally {$400.00}. Each month I paid all or most of the total amount due not carrying a balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On today, Monday, XX/XX/2023, I have had to spend over XXXX hours on the phone with Synchrony Bank employees to get to the truth of why my account is showing that I owe about {$100.00} more than I have record that I owe. This has been a continual pattern during the last XXXX years as a customer with Synchrony Bank/PayPal Credit . Last week, I made XXXX calls without success with each representative stating something different. However, after many hours I was finally told the truth. My account had been recharged {$120.00} due to an " internal error '' made by employees within Synchrony Bank. Synchrony Bank rebilled with {$120.00} without any prior notice in any form of communication with me and evidently the employees did not know. The facts of this continual deceptive trade practices and gross billing negligence are as follows : Original charge of {$120.00} on XXXX Provisional Credit of {$120.00} on XXXX Reversal of Provisional Credit of {$120.00} on XXXX Provisional Credit reissued of {$120.00} on XXXX Provisional Credit Re8issed of {$120.00} on XXXX Reversal of Provisional Credit/ Rebilling/ of {$120.00} on XXXX No prior notice, nothing listed on the online account. I knew that the balance of {$270.00} was not correct on XX/XX/2023. No plausible explanation given.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A