Date Received: 2023-07-10
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Opened a Synchrony - issued secured amazon store credit card on XX/XX/XXXX. The card worked immediately for my first purchase, but then started to be declined by the issuing bank when I tried to make any additional purchases. Contacted amazon, they informed me I had to contact the issuer. I then contacted synchrony, they said it was an amazon error. Attempted this a few more times, getting bounced back and forth as both companies passed the buck, until finally deciding to cut my losses- I contacted synchrony later that day on XX/XX/XXXX and told them to close the account and refund my security funds deposit to my debit card. As shown in the screenshot attached, they attempted to claim that they were completely unable to process electronic transactions, despite having taken my deposit via debit, and could only possibly issue a paper check in 10-14 business days once the account was finalized closing. This would have allowed them to hold my assets for an inestimable period of time, while forfeiting no interest earned or written documentation of timeliness or procedure. I then called them again today, XX/XX/XXXX, and insisted on speaking to a supervisor after the first rep tried to make the same claim. I read them the specific lines of Section V. of the cardholder agreement provided and signed to open the account, also publicly accesible on the synchrony website, which gives ACH as an example of an " approved method '' of deposit returns, as well as paper check. It is also explicitly written in this section that the delivery may be stipulated by the cardholder of any such approved methods. The supervisor on XX/XX/XXXX then finally conceded the information that since the deposit is still a pending charge and was made electronically, it would be automatically returned electronically within 7-10 days. This felt like a dismissal and a callous attempt to get me off the phone, as synchrony has been unwilling to provide me any such notice in writing or otherwise documentable. They have already attempted to contradict their own expressly written terms, and are able to indefinitely profit by lending my funds elsewhere. The debit charge reversal required to satisfy this matter is absolutely a trivial function of any merchant account, and there is no excusable reason for a financial institution to be allowed to continue such predatory and exploitative practices without any accountability to consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
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: Paypal Mastercard i added my debit card to the account to make payments on the bill itself. I made a purchase which was to be from the Paypal mastercard but they charged my XXXX XXXX debit card and also billed me for it on the statement. I disputed the transaction and they denied it. I have called now 4 times and mostly have only the option to select from automated recordings. Which didnt provide any way to solve the problem. I was able to speak with customer service people twice now and the first time I was convinced they were going to help. I never heard back from them. The 2nd person told me if i have disputed it and been denied theres nothing they can do. I have the service purchased ( twice ) on XX/XX/2023 XXXX personal but do not need billed twice XXXX XXXX My paypal account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had three unauthorized charges to my PayPal credit account. I only received emails from the company about XXXX, which I disputed immediately for XXXX on XX/XX/XXXX XXXX XXXX and XXXX on XX/XX/XXXX iao XXXX. When attempting to contact the company about the status of the dispute I saw a third charge that was done previously for XXXX on XX/XX/XXXX iao XXXX. I disputed that one as well. The company denied my claim of unauthorized and I have not received any supporting documentation for their claim that it was unauthorized. I have not performed any transactions with XXXX or XXXX. The only thing PayPal has done to resolve my issue is to ask me to change my password three times. Furthermore the compromise was a little over a month after I signed up for the credit card. Which is sketchy at best.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I was contacted by phone by Synchrony Bank regarding my XXXX XXXX XXXX XXXX. I told the rep that I get paid near the end of the month and to schedule my payment on XX/XX/XXXX. He told me he would note that in my account. On XX/XX/XXXX, I was contacted again by Synchrony Bank. I told the new rep that I had spoken to his colleague and there should be a note in the account that the payment would process on XX/XX/XXXX. He told me he saw the note but at the time of the previous call that was too far into the future to schedule the payment. So I proceeded to give him my payment information so that this new rep could schedule my payment for XX/XX/XXXX. My other cards ( XXXX, XXXX XXXX and XXXX XXXX ) all pulled on the scheduled date of XX/XX/XXXX. I received a call from Synchrony on XX/XX/XXXX stating that I was past due. I told her that her colleague said they would be pulling my payment on XX/XX/XXXX and asked what happened. She put me on hold for several minutes and said there was a system error and that something with my payment information must have changed. All other creditors had no problem processing my payments on that day. I ask how long after making my payment will I be able to use my card. She said 24 to 48 hours to process the payment and remove the hold. She takes my payment information, gives me a confirmation number, then informs me that my card has been closed. She said she would get me over to customer service to see if they could get my card opened again. Her name XXXX. She transferred me to XXXX in Customer Service who said there was nothing they could do to help me. I am incredibly frustrated that while I was in communication with the bank it was never communicated with me that the account was closed or in danger of closing. I made several good faith efforts to pay my account and I'm being penalized for their system error. Why was I only informed I could no longer use the account AFTER I made the payment? Why did no other rep inform me that my account was closed? It feels like they get to shrug their shoulders and leave their customers twisting in the wind when they have a system error or " glitch '' that they say there is no further information on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My email address was used to create an account for another persons American eagle store credit card. After numerous emails and phone calls to the retailer and the issuing bank, Synchrony, this has not been resolved. I have asked them to verify the correct email for the customer but I have continued to receive emails regarding this customers account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with non-monetary relief
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : SYNCB/LOWES XX/XX/2023 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b. I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
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: Date : XX/XX/XXXX I notified SYNCHRONY NETWORKS that the information they're reporting on my credit is inaccurate and needs to be deleted : -Late payment XX/XX/XXXX -Late payment XXXX XXXX Account : SYNCHRONY NETWORKS ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX No response from lender
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
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: In XX/XX/XXXX I purchased what I was told was a painting. In XXXX XXXX the painting was sent to me via XXXX. The painting was left outside my door in the rain. When I opened the package, the painting was in the wrong frame and wrinkled. I also learned at that point that it was not an actual painting. It was a print copied onto canvas and some type of clear paint added to make it look like an actual painting. The painting came with a certificate of authenticity, a registration number, and the actual print was numbered ( XXXX out of XXXX ) and signed. I contacted Park West Gallery and sent them pictures. After some back and forth the XXXX agreed to take the painting back and reframe it. Park West arranged for XXXX to come pick up the painting. On XXXX XXXX XXXX the painting was picked up by XXXX. At this point I learned almost XXXX weeks later that XXXX had mixed up shipping packages and lost the painting. I made every effort I could on my end to locate the lost painting even spending XXXX hours going though thousands of pallets of returned goods in warehouses. XXXX informed me that they acknowledged they lost the painting and they would reimburse Park West once they made a claim. I spoke back and forth with Park West and they refused to cancel the charge. I disputed the charge immediately with XXXX Bank when the painting first arrived damaged. I was told to fill out everything online using a link that was given to me. I also followed this up with a letter. After opening the dispute I did not ever receive anything in writing from synchrony. When I followed up with the credit card company, they said they would mail out confirmation of the dispute including any responses from Park West. The next communication I received is that the dispute was closed and found in favor of Park West because they agreed to send me a DIFFERENT painting. I informed Synchrony that I did not want a different painting and that I should not be forced into purchasing a different painting. I tried to file a claim with XXXX but was told that Park West must file it because they arranged for and paid for the shipping. When I contacted Park West they wrote back stating that they would not be filing a claim and that I would be forced to accept a different painting. Again, my painting was registered, numbered and was not an actual painting as I was told it was when I purchased it on the cruise ship. I let Park West and XXXX know that forcing me to purchase a different painting with a different registration number and different number in the limited edition series was not acceptable. I also let XXXX know that Park West had the option of getting their money back from XXXX if they would file the claim. At this point ( Beginning of XXXX ) I was told that the dispute would be reopened and again was told that they would mail out everything in writing. I have explained the situation to XXXX and I was told that I could file the claim myself if Park West would sent me a release to do so on their letterhead. They have refused to do so. I have attempted to dispute this charge with XXXX XXXX times. Each time they say I am liable for an item I never received due to the stores no return policy. I don't believe this policy should take the place of never receiving the item. XXXX to replace the item with a different item is not acceptable. Park West has the option of getting the money back for the painting, they just refuse to do it. I believe they are waiting for me to pay for it, then they will file with XXXX essentially selling and collecting money for two so called paintings not just one. If they offer me the same painting it would have to have the same registration number and have the same XXXX out of XXXX on it signed by the artist as the first one did. If they do this it will be fraud. There is no way for them to replace a painting that is registered and numbered. It was a one of a kind item. They have the ability to recoup the money from the lost painting, but they refuse to do so. This makes no sense to me. Being charged by XXXX and ruining my credit for an item never received is also fraud. Not complying with the law to send me documents in writing mailed out to me is also not right. This company misleads consumers and tells them they are buying actual paintings and they are not actual paintings. They sent out certificates of authenticity with registration numbers and hand number the paintings on the back, then claim they can just replace the painting... .How can there be an exact replacement if the painting was registered and numbered? I would like to know why I am being harassed by Park West and Synchrony and also having my credit destroyed when Park West could simply file a claim with XXXX and get their money back for the lost painting. No person should be made to pay for something that was not received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I discovered when I applied for credit for a new phone with XXXX that my Credit Report has been breached. Someone opened a PayPal credit card account in my name. He has my name, address, e-mail address, phone number, etc. He added an address to my Credit Report profile : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX ) which is not mine, a name was added to the credit report profile : XXXX, a telephone number I have no knowledge of was added : ( XXXX ) and he changed my birthyear from XXXX to XXXX. I requested all the Credit Reporting Agencies delete those changes. I filed a dispute with XXXX, XXXX and XXXX which were denied because he had all the correct information about me to successfully apply for the PayPal Credit Card in my name. I called PayPal 3 times and requested they close the credit card. Credit limit was {$8000.00} and the Balance on the card was {$4500.00}. There was also a closed account on my Credit Report for XXXX and XXXX that was not mine. There were multiple inquiries on my credit report for which I had no relationship or knowledge. I do not have a card number nor a mailing address for this credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
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/XXXX I have re-submitted to Synchrony Bank two disputes for overbilling from XXXX XXXX XXXX on two different orders ( disputed amount of {$120.00} on order # XXXX ; disputed amount of {$630.00} on order # XXXX ). I have sent all required documentation for both disputes at the same time ; I phoned in on XXXX and the operator over the phone confirmed that all documentation was received by XX/XX/XXXX. Synchrony Bank has resolved the dispute of {$120.00} but has not resolved the dispute of {$630.00}. I have received a letter stating that Synchrony Bank attempted to reach me to obtain the required documentation, which is not true. In fact, on XXXX the operator confirmed that all documentation was received for both disputes. I phoned in again on XX/XX/XXXX and discussed this ongoing problem with the operator ( his operator ID is XXXX ) who confirmed that all documentation was received on XX/XX/XXXX and was unsure as to why the specialist on the case sent a letter stating that the required documentation was not received. The operator sent back the case to the specialist for resolution of the dispute for {$630.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A