Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: My bank account ( XXXX Acct ) was used by XXXX XXXX ( a customer of Synchrony Bank ) to pay her Care Credit card. I did not authorize her to do so nor do I know this person. It seems like her bank account is a digit off of my account number and was used accidentally. I filed a police report with the city I live in, I filed multiple complaints to XXXX XXXX and with the CFPB and I am still out money on this issue. In total the amount taken from my account was {$1200.00}. This was over months - XX/XX/XXXX to XX/XX/XXXX. I didn't realize this wasn't my account being paid until XX/XX/XXXX ( I too have had a Synchrony acct ). I know the woman 's name and her care credit card but that's the only information I have since the bank won't give me any information due to privacy rules/laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, there was a hard inquiry from XXXX. An unknown individual applied for a credit card with their bank. I did not and contacted XXXX Bank to report the fraud. It has not been removed from credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: Synchrony Bank automtically rolled over a 36 month certificate of deposit ( CD ) into a new CD without giving me the opportunity to tell them to cash it out instead. When, after 5 business days, the proceeds had not shown up in my cash account as I assumed they would, I called Synchrony and they explained that I had to called them a maximum 45 days in advance to instruct them how to respond to this CD maturing. Despite being an online bank, they provide no online means to request cashing out a CD at maturing. The only online response they provide is to specify the term of a new CD into which to roll over the maturing CD, and that term must be greater than zero. On the phone they told me that I could only cash out a maturing CD by phoning them. They told me that they sent me a notice to specify what I wanted to do with this CD before it maturied and that such notice was also contained in my last ( quarerly ) statement, neither of which is true. Since I was calling within the 10-day " grace '' period, they agreed to cancel the rollover and deposit the proceeds into the cash savings account that I also have with Synchrony. However, they refused to take my instructions to cash out another CD I have there when it matures XX/XX/XXXX because that is more that 45 days out. Synchrony Banks acts likes it cashing out a CD ( I'm retired and use these proceeds for living expenses ) is a special event for which they must grant an exception in their good graces instead of an entitlement to receive my savings after my savings contract has been completed. I never told them to rollover this CD nor did they ever ask for my permission to do so. The reasonable assumption of a customer is that when his CD 's term expires, he receives his cash to do with as he pleases be that to spend it or to invest in another CD ; it is his choice, not the bank 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Synchrony Bank savings account has been restricted by the bank for one month. I have called multiple times and the bank has not helped me with the problem. It keeps saying the bank is reviewing my account. I don't think there is anything wrong with my account at all. Please help me to tell the bank to solve my account problem as soon as possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Last week when applying for a home loan, I was asked about a closed care Credit account with a balance of {$980.00}. My Care Credit account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with XXXX and XXXX. A few days later, my husband received a letter from synchrony Bank saying they had updated the account and alerted the credit bureaus on his behalf. Today, I received notification from XXXX that they had finished the investigation on my dispute, and that Synchrony bank had found the information on my credit report to be accurate. So I called Synchrony bank to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in 2019, and Synchrony has continued to report it as 90+ days late for the past 4 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I opened a Synchrony bank CareCredit card in XXXX to pay for a XXXX. It is the only purchase made on the account and should have been paid off in XXXX with the regular monthly payment ( about {$400.00} ). I noticed in XX/XX/XXXX that the balance was nowhere near XXXX. I saw I was charged a " XXXX XXXX '' charge every month equal to about {$160.00}. I never agreed to this add-on. I have all the original paperwork and even the envelope from when I opened the account. " XXXX XXXX '' is not in any of the paperwork. I can also say that it would be an absurd decision to pay for this as it is nearly 1/2 of what the monthly payment was supposed to be ( $ XXXX {$400.00} ), so no one would logically choose this option. I sent a secure message to the company two times in XXXX explaining this and did not receive a return message. I called three times, when I finally got through their representative after 20 minutes of holding they were having phone line issues and they could not be heard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
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 made 2 payments to Lowes/ Synchrony Bank with my online Banking from XXXX XXXX checks were issued. 1- {$110.00} issued on XX/XX/2023 2- {$900.00} issued on XX/XX/2023 I have sent copies of the checks front and back, letters from XXXX indicating the payments and Affidavits of Forgery to be filled out signed and Notarized and returned to XXXX if the checks were not received. I have sent these documents to Lowes/Synchrony Bank on multiple occasions and have been on the phone with XXXX and Lowes Synchrony Bank many times trying to resolve this matter. The last time I spoke to a Lowes/Synchrony Bank Manager he said that it was not under his preview to fill out the Affidavits each timBanks they point fingers at each other as the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
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 purchased a XXXX deal for XXXX XXXX XXXX gift on the XXXX it's XXXX XXXX so I said I should have enough to pay it but then it says, we are having issue with your visa card, so I thought maybe it's a mistake I entered it again the same response we are having a problem with your visa credit card it says declined. So since it's declined I didn't expect them to charge the next day and it's double. And they told me they are going to do an investigation, that it would take them 60 days to give me my money back depending on there investigation. The charges shouldn't go through in the first place they need to own there mistake, they need to pay for there own error not the local customer that just trying to live day to day basis. My credit card interest is high plus this one it's making our life so difficult. This does not happen at all to any consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2023 I contacted Synchrony Bank by phone at ( XXXX ) XXXX and told them I was disputing their account in the amount of {$1400.00} and wanted them to cease and desist contact with me regarding said account. On XX/XX/2023 I sent them a letter requesting the cease and desist in writing. They did not respond and On XX/XX/XXXX I received a bill where they are continuing to try to collect on a debt I am disputing and threatening me with credit damage and increased interest charges. It is harassment for them to be continuing to contact me trying to collect on a disputed debt and I am now reporting them as they do not follow the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A