Date Received: 2023-07-06
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: The issue I had was that when I tried to change my personal information on record, the phone number to which the company would send a verification message was not mine. I called them multiple times in the month of XXXX but they refused to believe that my personal information could be leaked. One person I spoke to on the phone was able to see that there was an unrecognized phone number on my profile but was not able to tell how it was possible. He transferred me to another department and then after that point nobody believed me and insisted that the phone number they have on file is my correct phone number. To clarify, they did have my phone on their file, but they also had another number on file which was the only for them to send verification message to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Credit Card company TJX Rewards Charge Card has sent several letters to remove any delinquency/30 day late payment reported between XX/XX/XXXX through XX/XX/XXXX. They have granted a courtesy and XXXX and XXXX will not remove as requested. These were disputed XXXX XXXX XX/XX/XXXX XXXX one in XXXX and one on XX/XX/XXXX. Some information has been changed to XXXX late payments however the wording is still showing as late payment. I am concerned that my information is being tampered with and not in my favor. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony claims my XX/XX/ payment of {$67.00} was returned by my bank, XXXX XXXX. XXXX has no/record of that happening ( see the Email string attached ). Since then, Synchrony added outrageous charges that they will not itemize despite my numerous requests. I have continued to make my XXXX XXXX monthly payment on time. Now they continue to ignore my payments and claim I am past due for {$290.00} for XXXX. Their late fees and other unknown fees charges are XXXX. I am XXXX, partially XXXX, on a fixed income ( XXXX ), and can not afford their outrageous charges, particularly for a problem they created. Despite my numerous messages & proof from XXXX that they have no record of returning the XXXX payment, I have been ignored, and until a few days ago, harassed daily by automated phone calls, emails, and texts. They have now reported that I am 30 days past due to the XXXX XXXX which lowered my XXXX score from XXXX XXXX XXXX XXXX XXXX XXXX. drop!! I have enclosed both Synchrony & XXXX XXXX email strings and XXXX XXXX XXXX. By the way, I have 2 other store credit cards with this bank all also in good standing. This so-called bank needs to be taught a lesson that they can not run roughshod over their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A non authorized charge was done for the amount of {$99.00} I disputed with XXXX and it was deemed fraudulent and removed, however it ended up being an occurring charge in which XXXX once again agreed it was fraudulent and closed out my account. We opened a new one and the re-occurring charge was then transferred to my new account from the closed account. Once I again I disputed it with XXXX and they agreed and remove the charges and closed out the new account. On this new account ending in XXXX charges are still being made I have called several times, spoken to fraud department, managers and they all say they will clear it and I am still getting charged lates fees etc. I want this matter resolved and cleared from my creadit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX, I purchased a phone from XXXX using a Synchrony Bank financing service. I set up an automatic payment from my bank to pay the agreed amount each month. Within the first few months, I was assessed a late fee, as my payments were being made too early in the cycle and XXXX posted in XXXX billing cycle, and XXXX posted in the following cycle. I contacted Synchrony, they apologized and reversed the fee, and I adjusted my automatic payment schedule to be later in the billing cycle to avoid this happening again. Then, in XXXX of XXXX, the payment was due on a bank holiday, so the automatic payment posted the following day. This resulted in a late charge. I didn't realize this had happened for a couple months, then reached out via their web portal and requested abatement of the first late fee transaction, since all subsequent fees stemmed from that one, but the system misapplied that request to the second assessed fee rather than the first. I then reached out multiple times to their customer service representatives, who explained that I had already requested the maximum amount of reversals and there was nothing further they could do. They have since 'closed ' the account and reported it to credit agencies as a delinquency, significantly impacting my credit score. I have continued to pay the original monthly charge on time each subsequent month, but the predatory cascade of fees and interest assessed on previous fees and interest has grown to an outstanding balance of {$400.00}, all stemming from the first late charge and not from any additional borrowing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95370
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I made a payment to my CareCredit account for {$480.00}. This is a credit card that allows you to make promotional purchases at a 0 % interest rate for a period of time ( six months ). I currently have four promotional charges on my account that I am working to pay down as quickly as possible to take full advantage of the deferred interest. Their website does not allow me to allocate where my payment is applied. Instead, I must make the payment and then request a representative to allocate my payment. I waited several days after making the payment and then reached out to a representative to discuss how I would like my payment to be allocated. I requested that the first promo purchase ( made on XX/XX/23 ) receive {$120.00}, the second promo purchase ( made on XX/XX/23 ) receive {$82.00}, the third promo purchase ( made on XX/XX/23 ) receive {$120.00}, and the fourth promo purchase ( made on XX/XX/23 ) receive {$150.00}. I was assured by the representative that this action would be completed. Several days later I was reviewing my account, and while no money was missing, my payments were not allocated as I requested. This makes it more difficult for me to track my payments and balances. The allocation does not reflect my request for any of the four promo purchases, and left higher balances on some of the older purchases, which if not paid off before a certain date will accrue and interest charge. The majority of the payment seemed to go to my newest promo purchase. When I reached back out, I was disconnected from one chat representative, and then the second one listened to my request and told me it would take up to 60 days to correct the allocation. Already with a sour taste in my mouth I can't say that I trust anything is actually going to happen to fix this issue, nor do I think 60 days is a fair wait for an action that was not my fault. I requested to speak to a manager and was given an incorrect phone number by the live chat rep. I looked up the number on my card ( which was different than the rep gave me ) and was connected to two agents, both of whom hung up on me when I began to ask for assistance in relation to the misallocation that occurred on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The issue is with Synchrony Bank. My wife, XXXX XXXX XXXX is the owner of our Verizon Account. I am the manager. My name is XXXX XXXX XXXX. XXXX XXXX Verizon XXXX XXXX. My Verizon XXXX XXXXXXXX. We pay automatically with another credit card monthly. Verizon offered a better plan for the same cost if we used a Verizon Credit Card. I accepted the new plan, then XXXX applied for a Verizon Credit Card. Verizon partners with Synchrony Bank to have Synchrony Bank review our credit report and reply back to Verizon and to us if the application was approved or denied and for what reason. Synchrony Bank performs the credit report review, not Verizon. Synchrony bank used XXXX XXXX to review our credit reports. XXXX submitted her authorization first. Within 2-weeks she received an email from Synchrony Bank they were unable to approve your request at this time. The reason was, " Application has risk factors that cause us to be unsure of your identity. '' I called Verizon Credit Card Services and was told I had to speak to Synchrony Bank. I called Synchrony Bank and was told I had to speak with Verizon Credit Card Services. THIS WENT BACK AND FORTH. I went to the Verizon store XXXX XXXX XXXX XXXX, XXXX XXXX. I was there with the store manager for about 3 hours. He tried calling Verizon and Synchrony Bank. but couldn't get a resolution. He said the store is only a sales store and is limited in what he can do to help. I spoke with XXXX at Synchrony Bank. She referred me back to Verizon Credit Card Services. It takes 30 days from the day your authorization is denied to retry. I thought it would save tome If I applied for the Verizon credit card. I applied. On XX/XX/XXXX. I got an email from Synchrony Bank denying my application for the exact same reasons as my wife 's denial ; " unable to approve your request at this time. The reason was, " Application has risk factors that cause us to be unsure of your identity. '' I called XXXX XXXX, spoke with XXXX. XXXX said my name was the only name on the report and it matches my social security card name. XXXX said I had an excellent report. XXXX couldn't understand why Synchrony Bank was unsure of my identity. Synchrony Bank will not do anything but refer me to Verizon Credit Card Services. Synchrony Bank must be able to identify my wife and me, however they won't try. Synchrony Bank is not performing its duties by law as it relates to its role in authorizing or denying a credit card, and being able to identify a person whom Verizon and XXXX XXXX have no problem identifying. I am an XXXX XXXX XXXX veteran, I have VA ID, a California Driver 's license, Federal Employee Plan health insurance, Voter 's registration card, we have lived in this home since XXXX, I have USDOL, FECA. OWCP benefits for an on the federal job XXXX, and I have a Federal Civil Service Annuity. Please have Synchrony Bank provide me with an executive assistant contact phone number who will speak with me and identify me and review my XXXX XXXX Credit Report using my identity, to determine that I have a XXXX score of about XXXX, and my credit record is impeccable, then authorize a Verizon Credit Card for me, with my wife as co-owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Internal reference number XXXX XXXX. Contacted me via letter to inform me of a PayPal credit card debt. XXXX previously known as XXXX Opened on or around XX/XX/XXXX. Last Payment XX/XX/XXXX. Charged off XX/XX/XXXX, and been transferred to them from Synchrony Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I contacted them via telephone to inquire about a collection account on my credit report for this PayPal credit card I had never requested or applied for. Upon speaking with the representative I learned the address used to apply for this credit card was one I had occupied in XXXX. I have lived in Florida since XX/XX/XXXX. The only help offered by them was to send me a Synchrony Bank Fraud Investigation Form. I filled it out and submitted it back to them. I also filed a police report for ID theft with my local police department and submitted the name of the detective and gave my permission for them to communicate with the detective about my credit. Their " investigation '' consisted of a form letter with the same information I received in their initial correspondence informing me of the debt owed. I then disputed the debt owed and requested copies of proof I owed the debt, a copy of the original contract I signed with Synchrony Bank. I also requested that they remove this invalidated debt from my credit report. They never responded to any of my letters but they did remove the item from my credit report. The complaint is now they have knowingly transferred ( sold ) or hired another credit collection company that has been disputed and removed from my credit report. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I will submit copies of the letters sent to XXXX XXXX XXXX as well as the tracking numbers for all correspondence I had with them in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed a contract for Windows and Installation with Lowe 's Home Improvement. I signed a contract for 24 months NO INTEREST as long as minimum payments are made. The employee that completed the contract was ultimately terminated for fraudulent activities. I have made numerous attempts to resolve the promotional charge to Lowe 's Credit Card by Synchrony Bank. I have made numerous attempts to work with Lowes Home Improvement in XXXX NC. I have disputed the credit card charges due to the promotional charge not being correct in which I had over {$2000.00} in interest added to my account. I was told I was on a 6 month no-interest promotion for which the promotion had expired and could not be changed. I complained that the sudden interest from the wrong promotion has put me over my credit limit and is damaging my credit report. Synchrony Bank increased my credit limit while my account was passed-due in dispute to cover up this " mistake '' and now my credit report has recently dropped XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX JC pennyXXXX Synchrony Bank placed a hard inquiry on my credit report. I have contacted them 10 times over 12 months. Each time they told me it would be removed via fraud. I have been given case numbers # XXXX and # XXXX. I contacted them again today XX/XX/XXXX as it still appears in my credit reports. All credit reporting agencies tell me they won't remove it as when I dispute it they then contact Jc penny/Synchrony Bank and they tell them its accurate information. This has affected my credit and resulted in me paying more interest and now qualify for cheaper rates. I want a notice in writing stating it's ment to be removed. I want them to also send this notice to all credit reporting agencies with in 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A