Date Received: 2023-07-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I currently have a Care Credit card through XXXX Bank. My issue is, I have consistently made my monthly payments OVER the minimum payment amount required. EVERY month, after I make a payment equal to twice the amount of the minimum payment required, Synchrony LOWERS my credit limit so that it is reported to the credit bureaus the card is at 100 % and charges me interest and fees which then puts me over the credit limit and my overall credit score takes a hit every month. I am trying to pay this card off but this bank is making it extremely difficult. I don't know if this is illegal but it certainly seems to be unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2023 I applied for and received a PayPal Credit Card serviced by Synchrony Bank. This card was tied to my PayPal account. I did not receive a statement after two months use but I did receive a notification from Pay Pal that the account was in arrears. I was confused by this but assumed that there was a processing problem. I immediately debited my checking account and completely paid off the total balance on XX/XX/2023. After doing so I received notification from PayPal that a payment was made and my balance was {$0.00}. I also contacted PayPal to report my difficulty receiving timely statements and was told to contact the Synchrony Bank about that issue. When I contacted Synchrony Bank I was told to establish a direct debit from my checking account. The customer service representative also said that interest charges and fees would be reimbursed to my account. I provided my checking account information to Synchrony Bank and assumed that the issues were resolved. In late XXXX I had again not received statements but was surprised that I got a notification from PayPal that my account was overdue. I had assumed that the direct debit if my checking account to pay balances was in place so I was surprised. I contacted Synchrony Bank and was told that direct debit of my checking account ( auto pay ) was not in place, and that I had a large overdue balance as well as fees and interest due. This time I asked for a review of my statements which.to my knowledge I never received. I was told to look for the statements in my Spam/Junk mail. When I did that I was surprised to find that, indeed, the statements were in the JUNK file because they were identified as service @ paypal. After reviewing the charges, which were accurate, I told Synchrony Bank that I wanted to terminate my card. After several conversations with customer service agents, and several dropped conversations, I was finally told that I could not close the account until I paid the outstanding balance, including the interest and fees from BOTH episodes. At this point I simply wanted to end my relationship with this bank and paid the balance in full. After the payment was cleared, I called to cancel the card and was told that in addition to the late fees and interest I would also forfeit my cash-back account in the amount of {$130.00}. So this experience cost me {$80.00} in late fees + {$88.00} in interest charges + {$130.00} forfeited from the cash-back account. {$270.00} in total. This after being told on three occasions that the fees and interest would be credited to me because of the mix-up. I cant help but believe that this pattern of behavior is deliberate on the part of Synchrony Bank and the Pay Pal Credit Card. I can also assume that this response from the Synchrony Bank and Pay Pal have adversely affected my Credit Score. This organization needs to be held accountable for this despicable behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07920
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I received an email telling me that an additional payment I had attempted to make was returned by my bank. On the XXXX of XXXX, I received an email telling me that my account had been closed. When I looked in my Amazon store card account it showed me that my automatic payment had gone through, but the additional payment had been rejected. After reaching out to Synchrony, the bank that controls the Amazon store cards they informed me that after the rejected additional payment they closed my account after a single email. Synchrony confirmed that the account has never been delinquent and was never behind on payment, however, due to two bad additional payments above my monthly payment in the last 6 months they have closed the account. Synchrony made no effort in either of their communications to inform me that ANY NSF payments for any reason could be grounds for terminating an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80260
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I bought a mattress at a promotional rate of 0 % interest from JC Penney. My first payment was {$500.00} to assure I paid it off before my promo rate expires. I pay $ XXXX and have never missed a payment. I made a purchase for {$96.00} on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I paid {$27.00} each time to cover the {$54.00} to take care of the promotional balance and meet my existing commitment. On XX/XX/XXXX I paid XXXX to pay off my non promo balance to make sure I dont get charged interest : I even called to make sure funds were allocated appropriately and JC Penney refuses to allocate money to the non promo balance. All money I send to them goes to my 0 % promotional balance so they can collect finance charges. They sent me a letter saying this is in violation of federal regulations but they wont fix the issue. they continue to charge me finance charges and my non promo balance is only going up not going down. Please help me resolve this issue as if they wont let me pay off this non promo balance it will only balloon in interest charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 805XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This credit card was not opened by me and was never used by me. I contacted the card company letting them know it was not mine and I did not have an account to log in and see charges. I did not ever have possession of a card. This was a fraudulent account and I called multiple times to have it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94578
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: 2023-07-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Act Care credit/Synchrony Bank account XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, per the FCRA, I notified PayPal Credit that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78213
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
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: Purchased on XX/XX/2023 Amazon XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Cost {$32.00} charged credit card {$29.00} and reward points used {$3.00}. Item Delivered XX/XX/2023 Did not deliver Whole Bean Coffee that was advertised delivered ground coffee per seller Amazon published ad error. Requested a refund and published an bad review seller responded On XX/XX/2023 " You were refunded for the error a long time ago. '' updated Amazon and Synchrony Bank. No credit given there was a guarantee by Amazon for a refund within 48 hours. To date still No Refund or Credit to my account Amazon Credit Card by Synchrony Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33544
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my credit report there is an account that is older than 7 years. The account this is playing games and using lack of reporting is SYNCB/Amazon PLCC . In XXXX of XXXX, I had a 30 day late, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX a settlement, then XXXX they reported a CO. I have waited patiently for this to be removed. Due to Amazon not reporting any payment history and just the CO in XX/XX/XXXX they are reporting to the agencies that the 1st late payment was XX/XX/XXXX, therefore leaving the account on my report. I filed an dispute with all 3 credit reports, XXXX and XXXX removed the file cause they did their job. XXXX just sent them an inquiry on when the last payment was and they again said what they reported XX/XX/XXXX and didn't remove the file. According the Fair Reporting Act, accounts should be removed 7 years after 1st delinquency. This account should be removed and I'd like to formally report fraud and breaking Fair Reporting Act legal statues for XXXX and SYNCB/Amazon . I have a prior credit report, before they removed all the payment history showing the payment history from XXXX to XXXX. I supplied this document to all three agencies. Again 2 of them did their job and removed the file, XXXX is incompetent 's and breaking the FRA legal statue, but not doing their job and asking for proof of 2 year payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony bank is reporting late payments on an open account. Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 309XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A