Date Received: 2023-07-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On Friday, XX/XX/2023, I was being declined using my credit card, and I called Synchrony Bank, and they informed me that the account was closed. The representative told me the account was closed because I was deemed high-risk and would receive a letter in the mail. Synchrony Bank went and closed all the cards I had with them. I made many purchases on my XXXX credit card because I am opening an online business and needed merchandise, so I used that card the most. I used that card the most because they would round up my purchase and put the remaining amount towards XXXX. I was using my XXXX card for groceries because I was receiving more points on that card. I used an XXXX credit card when I purchased it on XXXX, and I made a lot with that card. I had some credit cards that had small or no balances. I paid for them and made sure they were up to date. I do not understand how they can do this without me being behind or not paying my bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
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 XX/XX/2023, I made a purchase from XXXX XXXX for herbal detox foot soak beads in the amount of {$23.00}. Upon arrival I found that the product was not as advertised by what appeared to be laundry pods not detox foot soak beads. This was reported to Synchrony Bank/PayPal Credit several times . Originally on the phone with representatives i was advised that I did not have to return the product as it was have cost me almost {$30.00}. I supplied information regarding other complaints about XXXX XXXX that is overseas and appears to take advantage of customers via PayPal and the challenges with returning bad merchandise. I was temporarily given a credit of {$23.00} that was later recharged back in XXXX. On XX/XX/2023 and spoke with a representative, XXXX, for about an hour. He stated to me that some companies had been doing that and that he would place a dispute again. He also filed a discrimination case because I was sent documents of delivery and no one observe the poor quality of the product and the fact that the merchant knew it would cost too much to return overseas. Because the product was still in my possession ( I threw it out because I feared what was really in these pods ). This is not what I was advised on the phone during the many calls.
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: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am currently reviewing my XXXX Credit report and SYNCB/LOWES obtained my credit report without my written or verbal permission. I would like to have the following inquiry permanently removed from my XXXX Credit Report : SYNCB/LOWES - DATE : XX/XX/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have been uptodate making payments to my XXXX XXXX card. They have not been sharing my monthly statements with me. I have been trying to make more than minimum payments to them but the balance doesn't decrease and they keep bringing up some unknown charges to me. The customer service us ride, they are not transparent in explanations. It's hard to get through them and when I question them, they are not able to give me answers and hang up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78717
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: 2023-07-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Care Credit ( Issued by Syncrony Bank ) did not inform me that when I signed up to use it that it was a promotional interest charge for a set period of time. The time had past, and they hit me with a significant interest charge on a small amount. The other problem, is as the " Credit Card '' is paid down, it gets reported as, " my credit limit was decreased '' which is harming my credit, and now that the interest has hit, I am now " over my limit '' and being charged over limit fees. I do not understand why it is being reported as such, i have never missed a payment with them, always paid on time.The initial credit line should never have changed, and if it was designed that way, it should be a simple interest loan and also reported as such, with this new interest charge, I definitely should not be charged any over the limit fees, or be reported as such. This blatant robery and greed. When I tried to reach out to them, they were rude and did not try to help at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hi I purchased a furniture from XXXX through synchrony bank credit. The 1st transaction was on XX/XX/2022, for $ XXXX XXXX one was on XX/XX/2022 for {$1300.00}. When we signed the papers the manager explained to us that we get 1 year to pay with no interest. After the one year we will be charged a monthly interest like every other credit card and said sign here. We paid $ XXXX monthly payment every month on time through the Auto payment. By the month of XXXX I had a remaining balance of {$2400.00} and thats when I traveled out of the states. While my trip, there app stopped working and I wasnt able to check anything but I knew That I was enrolled in Auto pay. After I came back I checked and my balance went up to {$4100.00}. I have to charges of interest, one for $ XXXX the second one for {$570.00}. I called synchrony customer service and they said that it was said on the fine print that if I dont pay the full amount by the year it will charge me interest for the full balance even for the payments that I already paid. And he also said that my account is closed for no reason. I tried with them to take off the interest and i will pay the full remaining balance in full but they refused. I spoke to a manager and I explained that I was traveling and the app was not working and no one explained this at the beginning. They just told me to sign at the bottom and explained what I mentioned up on this letter. But the manager said that they can only take off the {$530.00} but the {$1100.00} I have to pay it. And he said that I will also still getting charged an interest monthly!!!!! I never seen something like that all my life. A month after I purchased, I referred my friend to them and she purchased for {$25000.00}. And after that the customer service representative and manager have a very bad attitude. And this way my balance will never end. Please help me this is the first time I use ur services. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The issue is regarding PayPal and PayPal Mastercard offered through Synchrony bank. Paypal sent me a credit card sign up bonus offer of {$100.00} if a minimum spend of {$500.00} was made within 90 days. I applied the next day and was approved. I have spent the {$500.00} minimum requirement within 90 days but as of XX/XX/2023, neither PayPal nor Synchrony bank have credited the aforementioned {$100.00} sign up bonus despite multiple calls to customer care. PayPal, credit card and sign up bonus were all linked to the email address : XXXX I have attached the email received ( XX/XX/2023 ) and also the approved credit card the next day ( XX/XX/2023 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize SYNCB/ VERIZO to inquire about my credit. I did not apply for a credit card with XXXX. My credit report with XXXX, XXXX, and XXXX XXXX show that on XX/XX/2022, SYNCB/ VERIZO pulled my credit. I requested that the credit agencies verify this because : a ) Did not give my permission for SYNCB/ VERIZO to pull my credit. b ) I did not sign up for any type of credit service. c ) I never received any type of notice in the mail that I was accepted or rejected. My fear is that this went to a fraudulent address and not my address. d ) I confirmed with XXXX ( who subcontracts this service out ) that I did not apply for this service. XXXX informed me that there is NO application linked to my phone number. XXXX ) SYNCB/ VERIZO has not provided me with a the original contract so that I can verify if it is my signature or a fraudulent transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to file a formal complaint regarding an unauthorized inquiry made by SYNCB on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to resolve the issue. As a consumer, I am well aware of the protections provided under the FCRA. Section 604 of the FCRA clearly states that consumer reporting agencies, such as SYNCB, may only furnish a consumer report under specific circumstances, one of which includes " in accordance with the written instructions of the consumer to whom it relates. '' To the best of my knowledge, I have never provided written consent to SYNCB or any related entities to access, gather, or inquire about my credit report. Therefore, I strongly believe that the inquiry made by SYNCB is unauthorized and in direct violation of the FCRA. I understand the importance of protecting my personal information, particularly in the context of credit reports. The FCRA explicitly directs consumer reporting agencies to treat their duties with fairness, impartiality, and respect for the consumer 's right to privacy. By conducting an unauthorized inquiry, SYNCB has failed to fulfill these obligations and has infringed upon my privacy rights as a consumer. I am seeking immediate resolution and request that the CFPB thoroughly investigate this matter. In doing so, I kindly ask for : 1. Verification of the unauthorized inquiry made by SYNCB on my credit report. 2. Appropriate actions taken against SYNCB to rectify this violation of the FCRA. 3. Assurance that SYNCB will cease any further unauthorized inquiries on my credit report. 4. Compensation for any damages or harm caused by this unauthorized inquiry, if deemed necessary. I expect a prompt response from the SYNCB regarding the initiation of an investigation and the subsequent steps taken to address this issue. Additionally, I would appreciate regular updates on the progress of the investigation and any actions taken by the CFPB. Please note that I have retained copies of all relevant documents, including my credit report, for reference and potential legal action should it become necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: IN REVIEWING MY CREDIT REPORT I SEE THAT CARE CREDIT CLOSED AND ACCOUNT. I HAVE NEVER APPLIED FOR A CARE CREDIT ACCOUNT AND IT IS NOW SHOWINF UP ON ALL OF MY CREDIT PROFILES. I AM VICTIM OF IDENTITY THEFT IN THE PAST AND THIS ACCOUNT APPEARS TO HAVE BEEN OPENED FRAUDENTLY. I NEVER PROVIDED THEM WITH ANY OF MY PERSONAL INFORMATION, HOW IS IT EVEN LEGAL TO OPEN AND ACCOUNT WITHOUT MY CONSENT OR KNOWLEDGE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A