Date Received: 2023-06-26
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: XXXX XXXX : XXXX Balance Transfer charges were applied to my credit card. Each in the amount of {$450.00}. XXXX of these charges for a total of {$1800.00} still needs to be credited. I have called the credit card company 5 times between XX/XX/XXXX & XX/XX/XXXX and can't get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50014
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Synchrony Bank put my funds on hold without communication/explanation. I have called several times and spoke with several people who have not been able to resolve this issue. I was told by Synchrony that because my Mom, who also had an account at Synchrony Bank, and I have the same name - and my Mom recently passed away, the bank made an error and put a hold on my account due to the same name mix up. I have not been successful at trying to resolve this and have not been able to access my funds for more than two weeks. I have spent more than 12 hours on the phone speaking with Synchrony associates who have not been able to rectify this issue. I requested to speak with a manager and spoke with XXXX who assured me that she would resolve the issue and call me back. I have not heard from anyone at Synchrony. My direct deposit paycheck was refused by Synchrony and I had to call my employer 's bank to receive the funds into a different account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was not informed that the rewards program was a one time use it or lose it on one purchase. I was never told when I opened the card, it's not anywhere on the Rewards portal when you login. I had {$580.00} in rewards. I made a {$330.00} purchase and should have had {$250.00} left in rewards. This is through - Crate and XXXX XXXX XXXXSynchrony Bank XXXX XXXX XXXX XXXX -XXXX, TX XXXX XXXX That {$580.00} was also made up of one {$500.00} rewards balance and one {$80.00} rewards balance. They cancelled both as assumed both were used for my {$330.00} purchase which is not how anyone would ever do that if they had even known about this misleading program. This is extremely misleading and I would argue fraudelent to the consumer and this is not a general use market practice for any rewards program I've ever been a part of. I talked with them on XX/XX/26 about this misleading information and where I could find it on the rewards portal or website and they couldn't direct me there. I was also utilizing their chat thread which says at end of live chat you can print transcript. They said they could not email chat thread which seems like another shady practice. Well, the person switched me back to vitual assistant when I said I wanted to cancel this credit card through this misleading rewards program and then I couldn't email thread because it was no longer a live thread. I just can't believe it with this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have previously filed a complaint here about issues with PayPal Credit & that we are no longer able to allocate how our payments are applied to our balance without having to contact the company every month, about each payment. PayPal dismissed the complaint and claimed that it was never possible to choose how payments were allocated on their site. However, as someone who has been a long term customer I know this to be false. My new complaint is about the resulting problems from the need to contact PayPal regarding allocations every month and the information which then is available/shown on our account. After being forced to contact PayPal each and every month about allocation of payments, usually so I can have them put toward special financing purchases, I have found that the requested changes - ie. where the money is allocated on the account, the accurate amount still due on special financing purchases and the account balance overall- is not being shown accurately. I made XXXX payments this month toward a special financing purchase ( XXXX for {$100.00} and XXXX for {$32.00} ), and contacted PayPal to have them allocated but the remaining balance for the special financing purchase still says over {$300.00} on my account. Its as if I have made no payment at all. When I contacted PayPal about this I was told that it can be XXXX billing cycles, meaning months, for the information to post properly! This is not acceptable. PayPal expects payments on time. We as customers are entitled to accurate and current information in regard to our account. We should not have to wait several months to see payments post and have to estimate what the balance is in the meantime. By not updating our account balance promptly we are being given inaccurate information and our credit report may be suffering as well. I have an accounting degree. I have done computerized accounting. Its not difficult to change how payments are calculated on an account. CFPB should require PayPal to display current balances that are accurate based upon all payments made and allocated as requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I called Synchrony on XX/XX/ to cease and desist communication as they have no legal right to collect on any debts. They agreed but {$45.00} was deducted from my bank account on XX/XX/ after they agreed to stop automatic payments and remove my payment information. I attempted to call them to have the payment reversed but the two different reps I talked to today put me on a ridiculously long hold of over 15 minutes both times. Lastly, I sent an e-mail today to Synchrony to request that they reverse the payment by the end of the day that they attempted to collect since they did so fraudulently and after I revoked my consent. This has not been done so I will be reporting it as fraud to my bank to ensure that the money they attempted to illegally obtain gets credited back to me as the rightful owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53066
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Synchrony Bank contacted my husband, who is not on my account and gave him my account number and balance owed. This is not legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XXXX as I was buying XXXX XXXX tickets on the XXXX website there was an offer for cash back on the tickets if I got a credit card. I applied and got the tickets. The next month, I received the credit card, a letter about an error, and the bill with no discount on the tickets. I spent a day calling to get a customer service representative to find out how much to pay. I finally talked to XXXX XXXX she took XXXX $ off and took payment for XXXX $ from my checking account and closed the account for me. I thought that was the end of it. In XXXX I responded to an email and got no response. In XX/XX/2023 I got a bill for XXXX XXXX I again spent a frustrating day trying to get through to customer support and finally talked to XXXX who filed a dispute. I got no response from that. Ever since I have been harassed by phone calls that just lead to recordings. I wrote to them in XXXX but get no answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84341
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXXXXXX XXXX XXXXXXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. I discovered an unauthorized credit card account under my name with XXXX XXXXXXXX XXXX XXXX XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX XXXX XXXXXXXX XXXX customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, XXXX XXXX XXXX XXXXXXXX has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter. I am appalled by the lack of urgency and concern displayed by XXXXXXXX XXXX XXXX XXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. I demand that XXXX XXXXXXXX XXXX XXXXXXXX promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. I trust that XXXX XXXX XXXX XXXXXXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXX XXXX XXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. I discovered an unauthorized credit card account under my name with XXXX XXXX XXXX XXXX XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX XXXX XXXXXXXX XXXX customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, XXXX XXXXXXXX XXXX XXXX has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter. I am appalled by the lack of urgency and concern displayed by XXXX XXXXXXXX XXXX XXXXXXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. I demand that XXXX XXXXXXXX XXXX XXXXXXXX promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. I trust that XXXX XXXXXXXX XXXX XXXXXXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had this issue back in 2021. I thought the issue was fixed but it wasnt. One month my balance was {$1100.00} and I made a payment of {$200.00}. The following month I still owed {$1100.00} dollars. I told them they continued to be corrupt and they still did nothing about. They have ruined my credit and have been harassing me. Theres over 100 Voicemails. And 1 letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A