Date Received: 2023-06-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Please note that while this complaint is related to complaint # XXXX, it is materially different, as this complaint pertains to failure to provide an adverse action notice that complies with the law and the inconsistent, lack of knowledge on applicable laws by your customer service department. Between XX/XX/XXXX and XX/XX/XXXX, I have spoken with more Synchrony associates than I ever cared to even know were in your employ. A vast majority of those associates have taken extremely negative tons with me since you closed my accounts. They've been condescending, accusatory and most concerning have provided in accurate information. They have also repeatedly stated that my accounts were closed after a review of my credit report, however the letters I received to tell me you had taken this action fail to include the information you are legal obligated to provide. If you take adverse action based on information in a consumer report, you must tell the consumer. Your notice may be oral, written or electronic ; it must contain certain information : FCRA 615 ( a ) 1. the name, address and phone number of the CRA ( including a toll-free number for nationwide CRAs ) that supplied the report 2. a statement that the CRA didnt make the adverse decision and cant explain why the decision was made 3. notice of the consumer 's right to a free copy of their report from the CRA if they ask for it within 60 days FCRA 612 4. notice of the consumer 's right to dispute the accuracy or completeness of any information provided by the CRA FCRA 611 5. the consumers credit score, if a score was used
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On or around XX/XX/16 I funded my savings account w/ an online bank. They immediately denied me online access. I have called them repeatedly and finally told them to remit the balance to me and close the account. There were 17 calls in all over these last 7 weeks. I have been variously told the there was a restriction on the account and then the story changed to it being under review. They at one point claimed that they couldn't send a verification code to my phone. I asked to speak to the rep 's manager and was told that it could be sent through the Post Office. I received the letter, call it in and was told that they could send my money. Nothing happened. Initially I told them to send a paper check. Later when I called about it I was told that they couldn't do that, instead they would reverse the electronic transfer that funded the account. Again nothing happened. This is enough money to easily qualify as XXXX XXXX in the State of California.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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: Hi thank you for helping long story sorry. I bought a necklace thru XXXX which arrived different than the description. It came with three loose beads so I sent it back to XXXX and they said I damaged it and tried to send it back to me. Then I opened a case with PayPal credit company which is run by synchrony bank. They denied my dispute saying the seller refuse to give money back because he did not receive the item back. The item was with XXXX they tried to send it to me and they lost it in XXXX Later they found it XXXX and they ( XXXX ) had the item since. Now I dont have the item and my financial institution charged me back with the amount I purchased. Thank you so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95120
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I pulled my credit report on XX/XX/XXXX. I am showing one 30-day late payment for XX/XX/XXXX as well as one 60-day late payment for XX/XX/XXXXXXXX for Syncb/Care Credit. I immediately wrote a letter to the agency on XX/XX/XXXXXXXX addressing the XXXX that those late payments are to removed based on the company reporting those payments without my consent. I further explained that this is an invasion of my privacy, as well as a defamation of character. The company is causing harm to my life by preventing from being able to excel in every aspect. I am continuously being denied being approved for a mortgage loan which I am trying to pursue for the sole purpose of providing a home for my wife and kids. I am also being denied for any vehicle loans. Such conduct has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. This company has violated 15 U.S.C. 1692 ( c ) of the fair debt collections practices. I demanded that this company cease and desist of this activity as soon as possible and gave 15 days from the receipt of the notice, which would be XX/XX/XXXX. That included eliminating all late payments from their records and discontinuing and retracting all late payments to any and all credit reporting bureaus. It is well over the 15 days and I have yet to receive a response from the company nor have the company removed the late payments from my credit reports. I granted a few extra days prior to filing this complaint which is now XX/XX/XXXXXXXX and the company still hasn't taken any action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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 am filing yet another complaint against Synchrony Bank, due to recurring issues. My primary concern is the lack of clarity regarding the outcomes of my previous disputes. In this complaint, I will be providing specific transaction amounts and approximate dates related to some of my disputes. Yesterday, I spoke for an hour and a half with XXXX from the dispute department. She told me that for many of the disputes that I filed, I was given provisional credits that were then overturned in favor of the merchant and rebilled to my account. Synchrony Bank neglected to inform me about these reversals, which led me to believe that I had received permanent credits. When Synchrony overturned the disputes, they rebilled me for the amounts without my knowledge. In many cases, I had re-disputed the amounts multiple times, and this is reflected on the statement they sent me. Synchrony Bank 's failure to notify me about the rebilling of these disputed amounts while allowing me to believe I had received credits is deceptive. I have contacted them on numerous occasions, and they confirmed to me many times that the disputes were resolved in my favor. However, upon reviewing the statement they provided, it is evident that many of these credits were later overturned, without my knowledge. Also, the statement they sent me doesnt include the names of the merchants nor what products or services were purchased, but I have kept some notes on this information, so I will try my best to provide you with the most accurate details I have. Some of the purchases are not even on the statement they gave me for some reason, the statement is missing a few transactions. Furthermore, I contacted Synchrony today and experienced unhelpful customer service from XXXX. He displayed no willingness to assist in resolving the issues related to my disputes. XXXX even stated that he was unable to provide me with crucial information regarding the disputes, including the names of the merchants involved or the dates of the disputes or purchases. To make matters worse, he placed me on hold for an extensive 20-minute period before hanging up on me. I have included the data for my disputes in an attached file. Thank you again for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NOTICE TO CARECREDIT/SYNCHRONY BANK. THIS IS A FINAL WARNING TO STOP YOUR ILLEGAL, FRADULENT, UNLAWFUL AND ABUSIVE PRACTICES. FALSELY MISLEADING AND COERCE ME INTO PAYING AN ALLEGED DEBT I DO NOT OWE. ANYONE WILLFULLY AND KNOWINGLY VIOLATES MY CONSUMER RIGHTS SHALL BE LIABLE FOR HARM AND INJURIES CAUSED BY SUCH ACTION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to express my profound concern and dissatisfaction regarding the unauthorized credit pulls conducted by your credit card and loan bureau, which have resulted in the misuse of my personal credit information. As a responsible consumer, I have always prioritized the careful management of my finances, ensuring the security of my credit profile. However, recent events have severely undermined my confidence in your organization 's handling of my sensitive data. I have discovered multiple instances where my credit information was accessed without my consent or knowledge. These unauthorized credit pulls raise serious questions about the security measures in place at your bureau. The misuse of my credit information has had negative consequences, including a sudden influx of inquiries and credit applications that I did not initiate or authorize. This has adversely affected my credit score and potential financial opportunities. Moreover, rectifying the damage caused by these unauthorized actions has been time-consuming and inconvenient. I have had to invest significant effort in disputing the unauthorized inquiries with various financial institutions and providing evidence of their unauthorized nature. This process has caused considerable stress and XXXX. I trust that you recognize the seriousness of this situation and will take swift and decisive action. As a responsible consumer, I have fulfilled my obligations, and I expect the same level of responsibility and accountability from your organization. Thank you for your immediate attention to this matter. I anticipate a prompt resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a call on XXXX. The voice-mail did not provide any details. It just stated that no contact and the case was being escalated. I called the number provided XXXX. The first gentleman was pleasant. Provided conflicting information and our call was disconnected before I could obtain more details. I researched my credit reports and couldn't find anything resembling the account mentioned. I called back and the second man was abusive and rude. Every time I attempted to ask a question about the account, he would interrupt me saying " ma'am this is a debt you owe ''. I attempted again to ask a question and he continued to speak over me. He ended the call by saying " this will proceed to judgment '' and hung up on me. I was trying to explain to him that I didn't recognize the debt. The address they initially referenced was an address that I haven't lived at for over 17 years. None of what they were saying made sense and thus why I was attempting to ask questions. I'm currently enrolled with XXXX for debt relief. Even their reports showed nothing about the alleged account. They claimed they've sent multiple letters to both my current address and the old address. I have received ZERO letters. This is extremely stressful, I have XXXX XXXX and I can literally feel my symptoms beginning to flare.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I purchased a furniture set from XXXX XXXX and financed it via Syncrony Bank. In my error I paid this account in full twice, once through my bill pay which I forgot I put it in there to be paid off and then I received the statement in the mail the next day and called in the payment in full, When I realized I paid this account twice in full, I immediately called my bank XXXX XXXX, my bank then told me they could not stop either payment but they would give me a temporary credit until I receive a refund from Syncrony Bank. Well, it was an absolute NIGHTMARE! attempting a refund from Syncrony Bank, it took many many calls and three way calls with my banker. Months later I did receive a refund check from Syncrony Bank, at that point I deposited the check and my XXXX XXXX Bank reversed the temporary credit I received from them. Months later I then start receiving statements from Syncrony Bank stating I owe this account, it was never paid ( Not only was it paid it was paid twice in full and NEVER late ), thus began my nightmare of the last year fighting them that I do not owe this money : my Banker has talked with them telling them I do not owe this bill, I have sent them my bank statement showing I do NOT owe this bill, I also sent them my statement I received from XXXX XXXX reflecting a XXXX balance. I also, spoke with XXXX XXXX and they confirm I do not owe them anything and my account has been paid in full. I Have placed many many many long and frustrating phone calls to Syncrony Bank in which I get no resolve and I am met with very Nasty customer service representatives!!!! I have had some say " oh yeah I see this was paid in full, not sure why you are receiving statements ''. Syncrony Bank turn this in to my credit as a debt collection, which I received NO notification they were doing! I have filled a dispute with the Credit Bureau, providing them my bank statements reflecting I paid this account twice and it reflects my eventual refund from Syncrony Bank, I also provided them with my XXXX XXXX statement showing a XXXX balanced. This has truly caused me great anguish and stress!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83616
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I got two letters in the mail from PayPal Credit indicating I have a balance that needs to be paid. When I call the number listed to find out more information it asks for my social security number without giving me the option to talk to a representative. I go to the website ( paypal.com ) and there's no indication of any payments that need to be made. I tried to close my account and it says I cant unless I transfer the sum of money to my debit card. I believe this is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A