Date Received: 2024-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XX/XX/XXXX statement showed that I owed {$150.00}. I mailed the check on XX/XX/XXXX. The payment was posted to my account on XX/XX/XXXX. My XX/XX/XXXX statement showed that I owed {$52.00} ( {$23.00} for a new purchase and {$29.00} for a late fee ). I called Synchrony on XX/XX/XXXX, to speak to them about the late fee. Their automated telephone answering system informed me that it could waive the late fee charge of {$29.00}, so I requested the waiver ( it should be noted that the automated telephone answering system did not provide me any warnings about the waiver of the late fee ). I then mailed Synchrony a check for {$23.00} on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Synchrony titled " You missed a payment. Let 's get back on track. '' This email indicated that I had a past due amount of {$16.00}. On XX/XX/XXXX, I tried to find out more information about the missed payment notice via Synchrony 's chat feature. Unfortunately, this did not help because the only thing the person on the other end of the chat was concerned with was when Synchrony would receive a full payment. Out of frustration with the person on the other end of the chat, I believe I ended the chat by stating that I intended to pay off the account in full. On XX/XX/XXXX, after I logged out of the chat feature, I called Synchrony. I spoke with a person named XXXX and explained the situation to him ( he appeared to agree with me that something was wrong ). XXXX told me he would file an " escalated ticket '' for my issue. When I asked him for a reference number so that I could check up on the " escalated ticket, '' XXXX told me that there is no reference number, but his notes would be attached to my account and anyone I spoke with after that could see the information and answer my questions. It should be noted that today I found out that my communications with Synchrony on XX/XX/XXXX, were with Synchrony 's collection department. My XX/XX/XXXX statement showed that on XX/XX/XXXX, my account was credited {$29.00} for " refund of late fees. '' This statement also showed that my payment of {$23.00} was credited to my account on XX/XX/XXXX ( in total, on XX/XX/XXXX, my account was credited for {$52.00}, which is the total amount that was due for my XX/XX/XXXX statement ). This statement also showed that I had {$65.00} in new charges and that XXXX added on another late fee, this time the late fee was {$40.00}. On XX/XX/XXXX, I mailed Synchrony a check for {$65.00}. On XX/XX/XXXX, I called Synchrony to find out the status of the escalated ticket, which XXXX told me was created. I spoke with a person named XXXX. XXXX could not tell me anything about the escalated ticket that was made on XX/XX/XXXX. XXXX told me that the reason I was charged the {$40.00} late fee was because I did not make the minimum payment ( {$40.00} ) for my XXXX statement. I explained to XXXX that my account was credited with a total of {$52.00} prior to my due date, so the entire bill was paid off. XXXX then tried to tell me that the waiver of the late fee was used to pay for the new purchase that I had made after my XXXX statement was issued. Question, if a late fee is waived, how can the amount of the waiver be credited to new purchases that I am not required to pay for yet while leaving a balance for my XXXX statement? Anyway, this explanation indicated to me that Synchrony was simply using this as an excuse to be able to charge me fees and interest. As a result, I canceled the credit card ( and my XXXX credit card, which is also managed by Synchrony ). It should be noted that, for as long as I have had the credit card, I have always paid my monthly balance in full. On XX/XX/XXXX, I received my XXXX statement. The XXXX statement shows that my XX/XX/XXXX, payment was credited to my account on XX/XX/XXXX. This statement also shows that Synchrony charged me {$1.00} in interest presumably because I did not pay off the {$40.00} late fee that I am disputing. This statement shows a new balance of {$41.00}. On XX/XX/XXXX, I called Synchrony to find out the status of the escalated ticket. I spoke with a person named XXXX. XXXX was not able to tell me anything about the escalated ticket and proceeded to tell me that there is nothing she can do about the {$40.00} late fee. I was then transferred to a supervisor named XXXX. XXXX told me that he could not tell me anything about the escalated ticket issued on XX/XX/XXXX, because that was the collection department. XXXX told me that he would issue an escalated ticket for my issue. When I asked XXXX about how long it would take for my escalated ticket to be processed, he said about a month. When I mentioned that I was trying to figure out when to file my complaint with CFPB, XXXX told me to do it anytime because the complaint will not affect Synchronys processing of the escalated ticket. I am complaining because I believe Synchronys actions were/are designed to get people into a hole with Synchrony so that Synchrony may charge and collect additional late fees and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96701
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I received a letter from XXXX XXXX attorney telling me a judgement could be reactivated since it went dormant. I offered to pay half the debt to XXXX XXXX on XX/XX/year>. I sent proof I received social security. They told me to put file number XXXX and to send it to XXXX. The attorney said they would contact the client and get back to me. I followed up a week later with no response. I called XXXX XXXX myself and they said they don't own the debt to contact XXXX XXXX. I'm being threatened legal actions and I'm offering a settlement for my debt that I can afford and no one will cooperate or communicate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony bank is a fraudulent bank. I made a payment for my Amazon store card for {$360.00} for XX/XX/XXXX. My minimum payment is {$110.00}. I still kept getting an email saying I needed to make my monthly payment after the due date. Me thinking the payment was not made proceeded to make another payment. There is nothing on there website alerting that you are making a duplicate payment and after a payment is made there is no way to cancel it. I make the another payment. Only after making the payment you are directed to another screen that shows the duplicate payment. When you call them you are directed to go and resolve the issue with your bank. The same issue has now happened again with my Synchrony Home account where I have duplicated a payment of {$250.00} for a total sum of {$500.00}. There is no way to cancel it. This means, I will be unable to pay my monthly mortgage because of this. This is just a fraudulent and bad company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was told that because I always paid my entire balance and in the unfortunate event of having two automatic payments returned, they just decided to close the account. After learning about the payment return, I always fixed the problem immediately, and they also profited from me every time. It cost {$35.00} each time, which happened about six months apart. Also, I am concerned that this will cause damage to my credit score. I have this card for a while. Another concern is that the company never mentioned in their bill of rights that they would close your account if you had a payment returned by your bank. This is a trap, the same deceptive practice used by the former GE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting to see my signature for this account this is not my debt I am demanding that it be removed from my credit XXXX XXXX Sams
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
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 purchased a lead service and program from XXXX for final expense - the service was changed to a veterans program for leads ( They are two separate options to purchase ) In good faith I gave it a try and received half of the service - stopped the order because I wanted to not be on the veterans program. Arranged an alternative plan with XXXX on their account side via email and agreed to an alternative solution. This XXXX years later has still not been addressed. The amount of XXXX was originally spent to purchase this lead program - It did not work, It was the wrong program, and I to this date still have no received the entire amount. The original purchase was in XX/XX/year>, the complaints and email agreement to fix what was wrong was in XXXX with lead XXXX client. The dispute was filed in XX/XX/year>, and has been refiled monthly with documentation since to synchrony bank. I have disputed this case with synchrony bank/pay pal credit and they keep closing my case without sending me documents. I've faxed my documentation multiple times and it only shows up half the time. The merchant can digitally upload anything without all of the extra hoops to get information to Synchrony. Prior to Synchrony taking over Paypal credit this was never an issue. Synchrony keeps charging me interest and higher minimum payments for a service I did not fully receive. - I have contested this case monthly - provided any documentation they request- they send me mail saying I opened the case, never tell me when they close it, and will not send me the documents requested. This has been going on for almost 2 years now I would like to have this resolved as I STILL have no received the service from the merchant fully. I will happily provide any information needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68130
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX i noticed XXXX hard inquiries that i didn't authorize. XXXX was on my XXXX report and XXXX wer on XXXX XXXX. XXXX from XXXX XXXX and XXXX from something called synchrocity or something like that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83605
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My mother had an online CD account with Synchrony Bank. Shortly after her passing in XX/XX/XXXX, I notified Synchrony Bank and provided all the documentation and they subsequently updated the account profile in XX/XX/XXXX to reflect my name as a successor trustee. Fast forward to one year later in an attempt to close this account and distribute all funds remaining in her estate. Each time I called, they did not have on record that I was the successor trustee until they did further digging. It was very frustrating to have to explain this each and every time as some of the reps would be argumentative that they were still showing my mother as the account holder even though she was deceased, and I had provided her death certificate the previous year. Even though I have since received the funds that Synchrony Bank was holding, I have NEVER experienced such a long delay in receiving the monies that were due to us by closing her CD account. I feel that there must be some regulatory obligation for a financial institution to release these funds in a timely matter. It took an unreasonable amount of time ( 6 weeks ) from the time I had a fax confirmation ... and potentially an additional 2 weeks for the mailed hard copy to arrive ... which it never did. Apparently, the preprinted address on the envelope was wrong and the post office did not have a forwarding address so XXXX returned the mail to me which I did not receive until XX/XX/XXXX. When I inquired Synchrony Bank told me they changed XXXX XXXX XXXX in XX/XX/XXXX. That is a whole different issue which I feel should not have happened. In the end, I received the funds but I feel this delay needs to be reported to a regulatory agency as it seems extremely unreasonable to have to wait in excess of 42 calendar days for a financial institution to close out a CD account and I wasn't sure who could help me during that time. Here is a record of my call log to Synchrony Bank : XX/XX/XXXX XXXX PST - contacted Synchrony Bank to initiate closing a trust CD account. Was advised to call back to trust dept since they were closed. XX/XX/XXXX XXXX PST - spoke to XXXX and was provided forms to complete and have notarized for distribution of funds. The only acceptable method to return the notarized forms was either by mail or by fax. XX/XX/XXXX - Completed forms, took to a notary and mailed to Synchrony Bank in a pre-address stamped envelope provided by Synchrony Bank. XX/XX/XXXX XXXX PST - contacted Synchrony Bank XXXX verify if forms had been received... no record of forms. XX/XX/XXXX XXXX PST - contacted Synchrony Bank XXXX verify if forms had been received... no record of forms. XX/XX/XXXX XXXX PST - located a fax and received fax confirmation of successful transmission. XX/XX/XXXX XXXX PST - spoke to XXXX who confirmed paperwork had been received but could not provide an ETA other than the standard 7-10 mailing days. XX/XX/XXXX : XXXX PST - spoke to XXXX again who stated that the check was being issued and I needed to give it another week for it to arrive. XX/XX/XXXX XXXX PST - Called to find out the status and was transferred to XXXX in the Beneficiary DepXXXX. She also could not give me any additional information other than everything was in order and they were incredibly backed up due to the holidays. XX/XX/XXXX - finally received a distribution check via XXXX dated XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: These inquiries on my accounts are not accurate I am writing to formally dispute several inquiries on my credit report that I believe to be fraudulent. After reviewing my credit report, I have identified unauthorized inquiries that I did not initiate or authorize. I have not applied for credit or engaged in any financial transactions with the aforementioned companies on the specified dates. It appears that my personal information may have been compromised, leading to these unauthorized inquiries. I request a thorough investigation into these matters and kindly ask that you promptly remove these fraudulent inquiries from my credit report. As per the Fair Credit Reporting Act, I am entitled to accurate and fair reporting of my credit history. Enclosed with this letter, please find copies of supporting documents, including any relevant correspondence and evidence that substantiates my claim of fraud. I also request that you provide me with a written statement once the investigation is complete, outlining the actions taken and the resolution of this dispute. Thank you for your immediate attention to this matter. I trust that you will handle this dispute efficiently and take the necessary steps to rectify the inaccuracies on my credit report. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was sent a warrant of debt on XX/XX/2024 with a date for me to appear in civil court on XX/XX/2024 which is only XXXX days apart. I then requested that they send all of the information including the original statement/copy of the agreement between me and the original creditor through email which I havent received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23513
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A