Date Received: 2023-07-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XXXX XX/XX/2023, I received notification from Synchrony that the credit limit on my Verizon credit card was arbitrarily reduced. Consequently, there is now the perception by anyone who views my credit report that my usage has skyrocketed because of poor spending habits on my behalf. That is blatantly wrong, and the credit card company has decided my limit needed to be significantly reduced without any conversation with me regarding it. I am requesting the original credit limit be restored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I paid {$31.00} of a minimum payment of {$66.00} due on my Amazon Store card. Three days later on XX/XX/XXXX I paid the remaining {$34.00}, and was charged a late fee of {$40.00}. This penalty amounts to an annualized interest rate of 14,116 % ( not a typo, over fourteen thousand percent ). Amazon Store Card advises they can only waive one late fee a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX i paid through PayPal for a dress white color for my wife 's upcoming birthday. The seller was not providing the tracking number and as soon as I disputed with Paypal he provided the tracking number to show that something was sent to my address. Instead of my order dress the seller shipped me flash drives, in XXXX XXXX pieces maximum price is {$10.00} to {$20.00} So i was cheated, the seller wanted to let us know that i get the shipment, but it is impossible to send my order - dress in XXXX inches envelope. I provided PayPal all the photos, what I ordered and what I received. And because the seller provided to PayPal the tracking, that I provided much earlier than the seller, Paypal made a decision for seller 's favor. But I appealed their decision and PayPal advised me to report this issue to XXXX or CFPB and they will make a decision on my favor.. So I paid {$400.00} for couple of flash drives. I provided the photo of the envelope with flash drives where is clearly reflected the same tracking as the seller provided to PayPal. Attached please find pictures of what I ordered and what I received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: AFFIDAVIT I, XXXX XXXX XXXX, solemnly declare and affirm the following facts in support of my Demand for Arbitration pursuant to the PayPal/PayPal Credit/Synchrony Bank User Agreement : 1 . Equal Credit Opportunity Act ( ECOA ) 2. Truth in Lending Act ( TILA ) 3. Fair Credit Billing Act ( FCBA ) 4. Fair Debt Collection Practices Act ( FDCPA ) I, XXXX XXXX XXXX, state under penalty of perjury that PayPal Credit and Synchrony Bank have violated my consumer rights, made false claims, engaged in credit slander, and caused significant damage to my consumer credit, all of which are clear violations of federal regulations. Under the Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Debt Collection Practices Act ( FDCPA ), I firmly believe that PayPal Credit and Synchrony Bank have engaged in practices that infringe upon my consumer rights and protections. 1. Violation of Consumer Rights : PayPal Credit and Synchrony Bank have exhibited discriminatory practices, including retaliatory actions against my complaints, and have failed to provide accurate and transparent information about credit terms, thereby violating the provisions outlined in the ECOA, TILA, FCBA, and FDCPA. 2. False Claims and Credit Slander : These financial institutions have falsely reported late payments and collections, which have resulted in significant damage to my credit history and creditworthiness. These false claims not only harm my reputation but also contravene the principles set forth by the ECOA, TILA, FCBA, and FDCPA. 3. Consumer Credit Damage : The actions taken by PayPal Credit and Synchrony Bank, such as the closure of accounts and reduction of credit lines, have had an adverse impact on my consumer credit. These actions have limited my access to credit, negatively affected my credit utilization ratio, and impeded my ability to obtain favorable credit terms, all in violation of the federal regulations. 4. Defamation of Character and Credit Fraud : The false reporting and credit slander perpetrated by PayPal Credit and Synchrony Bank not only damage my credit but also defame my character. This amounts to credit fraud and is strictly prohibited under the ECOA, TILA, FCBA, and FDCPA. I, XXXX XXXX XXXX, hereby affirm that the facts are true and accurate to the best of my knowledge. I declare under penalty of perjury that the information provided in this affidavit is complete and correct, and I am willing to testify to the veracity of these statements in any legal proceedings related to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Identity theft protection or other monitoring services
Subissue: Billing dispute for services
Consumer Complaint: I have been wrongly been charged with a late fees of {$28.00} by Synchrony bank for a billing of the month of XXXX. Upon realizing that, I contacted my bank XXXX XXXX XXXX XXXX that confirmed that payment XXXX billing was indeed processed. I copied the statement from my online banking statement to send Synchrony bank as a proof but that wasn't enough to waive the late fees. I subsequently been calling for over 5 days and was connected to customer service to whom I reported the discrepancy but nothing was done. In XXXX I noticed {$210.00} was again on my account instead of minimum payment of {$95.00} to which I protested and requested for a waiver because of the difference in adjustment I asked for so I can combine 2 billing payments on same date XXXX of every month. To avoid discrepancy I requested to talk a manager and both managers on the phone were so bullying and rude pushing blame down my throat. XXXX and XXXX ID XXXX are bad for the future of synchrony bank because looking at my records I have been up to date with my payment without problem but they refuse to understand the adjustment and failure of synchrony bank to process billing on time is the cause of this not me. My records show perfect payment. I need this bullying of consumers by banks charging late fees at will without due diligence to stop and managers held accountable. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX took over from Synchrony bank for the XXXXXXXX XXXX accounts. I made 2 payments to Synchrony XX/XX/2022 {$110.00} and XX/XX/2022 {$230.00} using my XXXX XXXX XXXX on-line bill pay process. Since the payments were made to Synchrony I tried to work with Synchrony but they stated I needed to work with XXXX XXXX XXXX which I have been for over 9 months. I am being told from XXXX XXXX XXXX that Synchrony will no longer work with them and I needed to work with my bank XXXX to try and retrieve the funds back. However XXXX is informing me that Synchrony will not return their calls which mean I am out XXXX and XXXX XXXX XXXX is charging me late fees and interest on the account. I have everything including the trace numbers for the transaction but none of the banks will help or take ownership to help me. I also understand that I am not the only person Synchrony is doing this too in speaking to the rep from XXXX XXXX XXXX. This sounds like a class action law suite when individuals paid their accounts on time and now Synchrony bank is turning their back on consumers. I have all the information on every call I have made to try and get this figured out which is more than 20 calls over the pass 9 months. I need advise on where I should go next, this is now affecting my credit and interest and late fees are adding up. I am available and would appreciate some help. My wife filled the first CFPB complaint XXXX at which Synchrony responded with a letter stating I need to provide authorization for my wife to speak on my account- the number and extension they provided XXXX ext XXXX we called an no one answers and we are unable to leave any messages to get a call back. Totally unacceptable because we are trying to get this resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
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: I reached out to Synchrony Bank regarding my Sam 's Club Credit Mastercard in XX/XX/XXXX regarding a charge in the amount of {$350.00}. I disputed the charge due to services not being rendered by the merchant. ( XXXX XXXX ). Synchrony bank provided a temporary credit for a billing cycle but added the charge back twice to my account. I was told that the dispute had been resolved in my favor but I was recharged {$350.00} on XX/XX/XXXX and again on XX/XX/XXXX. I've made several attempts to resolve this issue and have the charges removed with no.avail. Each time I've spoken to representative, I'm told that it's still being researched.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony is using deceptive practices to manipulate and negatively impact the credit score of borrowers. They offer you credit. You use it, make all payments on time and adhere to the terms of the agreement. Then they slash your limit, which impacts your score. Then they close your account, without warning and again your score is negatively impacted. Im never going to be able to improve my credit with companies like Synchrony bank taking advantage of consumers. Im SO MAD!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Previously, in complaint number XXXX, I complained about Synchrony Bank XXXX interest charge on my account in XX/XX/2023. Their response was to credit my account with {$14000.00}, which appeared on my statement as a " credit balance '', A short time later, I sent Synchrony a letter asking that they close my account and send me a check for the credit balance. I received a response from them stating that they had closed my account, but that I would continue to receive statements because of the credit balance. No information was given on how to recover my credit balance. Since the account was closed and the credit cards destroyed, I could see no way to get my money back. It is now XXXX and Synchrony has sent me additional routine statements showing the credit balance, but offering no mechanism for a refund. I would like my money back in cash, check, or electronic transfer. Since they have withheld my money for over XXXX months for no legitimate reason, it would only seem fair that they pay me interest on it. I will settle for 1 % per month for the XXXX months, which is less than half of their APR of 26.99 %. {$140.00} x XXXX = {$730.00}. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92025
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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: I have been contacting Verizon and Synchrony credit card for months. Verizon requires I use Synchrony verizon card to get a monthly discount on my wireless bill. Synchrony continues to overcharge me and add late fees besides. Verizon says I owe one amount and synchrony says another. I am caught in the middle and have made an endless number of calls but can not resolve this despite reps actually talking to synchrony on the phone while I am on the other line. Synchrony is cheating me and when I pay the amount verizon says I owe, synchrony charges a late fee.
Company Response:
State: NY
Zip: 12303
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A