Date Received: 2023-06-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called Venmo/Synchrony regarding fraud on my Venmo credit card. Their phone representative made a mistake and closed my account instead of addressing the fraudulent charges and fees, even though I specifically stated I opened the account but the charges where fraudulent. I have since made multiple calls and wasted hours of my time to get them to reverse the issue and resend a new card as I was told they would do. They have still not fixed the issue they made. I spoke with multiple people regarding this including XXXX, id # XXXX. They just keep sending me a pointless letter but not actually doing what I tell them to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49009
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XXXXXXXX XXXX {$1900.00} was withdrawn from my checking account with the notation " VENMO REPAYMENT '' followed by several digits. When I called Venmo I was told this was in payment for a VENMO Credit Card bill. I told them I do not have a VENMO credit card. Subsequently I received a VENMO Credit Card in the mail that I did not request. A fraud complaint was created at that time. On a later phone call VENMO advised me that they would be sending me a refund soon. None came. Additional phone calls to VENMO resulted in them referring me to Synchrony Bank for a refund. I contacted Synchrony and was told the fraud claim had been approved and they needed the bank statement and address faxed in order to send the refund check. On XX/XX/2023 I faxed the requested items. After three weeks no check arrived. I called Synchrony again and was told that they could not accept FAXED documents and that I would need to MAIL the requested documents and information which I did on XX/XX/2023. After waiting 15 days as advised, still no check. I just called Synchrony Fraud Dept again and was told they don't show a record of having received the mailed documents and I should call back again in 3-5 days. I confirmed that they had been send to the correct address. It has been over 3 months since this happened and I have been told 3 times to expect the refund in 2-3 weeks and still nothing!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55417
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
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 purchased a table and 6 chairs from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I opened a store credit card and was given a {$1000.00} line of credit. The table and chairs was a total of over {$2300.00}. I put {$1000.00} on the store card and used my ATM for the balance of XXXX. I made the usual payments for months. On XX/XX/XXXX I made a balance transfer of the remaining balance on my XXXX XXXX XXXX of {$620.00} to my XXXX XXXXXXXX XXXXXXXX XXXX On XX/XX/XXXX I received an alert that my card was used for {$1000.00}. I immediately called all the number on the back and reported fraud to to XXXX XXXX the credit card servicer. They told me they would take care of it and opened a fraud investigation. I faxed the paperwork they had sent me on XX/XX/XXXX. Months later I got a statement from XXXX asking for a payment on the XXXX. I called the fraud department and the woman informed me that my claim of fraud was denied because I did recieve the table and chairs. When I told her I had only purchased 1 table and chair set she put me on hold to confirm. She came back on and told me that in fact it was the same purchase and she would re-open the case. It has now been 6 months and they have not solved this issue and in fact, the charge is still on my credit report. They are not helping and I am at a loss. I am confused and in disbelief that this can happen. They have been complacent and delinquent. I will inclose or send all of my documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89523
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023 I received a letter from Synchrony bank that I was overdue in payment of my credit card. I was totally surprised because not only did not have a credit card but I never heard of this bank before. Next day I called the bank to explain that I have no idea what was that all about since I never had an account with them and did not know that the bank existed. First they told me that they had all my personal data, very scary, but they will take care of the mater promptly. On XX/XX/XXXX I received a letter from them to inform me that my request had been " denied since the goods were shipped to my address and I benefit from it ''. Whoever wrote this letter was lying, because I had never received any such items and if they were indeed shipped to my address I would have been aware of it. There was no effort from the bank, to my knowledge, to protect my credit information and find out who was the perpetrator and turn him to authorities. I am a XXXX year man I never have defaulted to any my account in my life and for sure not for {$110.00}. To add insult to my injury they send me a new credit card!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my Consumer Report and noticed that I have two late payments that I was never late on. After I received my consumer repot Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : SYNCB/XXXX, account number : XXXX Please investigate and provide proof with statements showing that these payments were late. If can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is a derogatory mark for the SYNCB/VENMO account for the only XXXX on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX and XXXX display " OK ''. XXXX report display an inconsistency with report. I would like to have this updated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Lowe 's credit card that I signed up for e-Statements. The issue is that I am not getting the statements and then am being charged interest and late fees because I do not see at statement. I have used the card multiple times during XXXX but the last statement emailed to me was in XX/XX/XXXX. I believe I should be getting statements and not have to search them out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Date XXXX, interest {$82.00}, sholuld be {$83.00}. Has calculated by me. Have sent Synchrony Bank several e-mail, need explanation. The bank do not want to respond for the error. Need the bank computation for the {$82.00} interest calculation for 5.15 % APY as contract with the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XX/XX/XXXX RE : CHARGE OFF Synchrony Bank ( SB ), Acct # XXXX To whom this may concern, XX/XX/XXXX, the Covid-19 pandemic broke out and effected millions across the nation, which eventually led into massive job losses, delayed unemployment benefits, delayed stimulus payments, delayed federal extensions, paused government and financial institutions to no fault of the consumer what so ever. XX/XX/XXXX, my federal extension was cut off without good reason by The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). By doing so, it resulted in delinquent payments and destroyed my credit to no fault of mine, see ( XXXX XXXX, XXXX. XXXX ). These exhibits clearly indicate my years of good standing credit prior to the XXXX outbreak, then plummets drastically because of the delays mentioned above. Recently, after one year and nine months, questioning ( XXXX ) adverse actions, XX/XX/XXXX, ( XXXX ) miraculously released the missing federal extension payments, see ( EXHIBIT B, XXXX. XXXX ). If ( XXXX ) processed the extension timely, it would have prevented the delinquent payments. Now, I am faced with a bankruptcy for the first time at a cost to me, which is unacceptable, disturbing, and concerning for a matter I did not create. I did reach out to the Department of Financial Protection and Innovation ( DFPI ). I argued the same mentioned above, however, the ( DFPI ) would not engage. In my view, there are no laws or safeguards that would protect a consumer from an event that has never taken place before. Because of the pause, it created a massive financial disruption that nobody has ever encountered before. I strongly feel, I am one of thousands, perhaps millions of consumers that was dealt a brutal blow because of the circumstances mentioned above. Furthermore, I find it very disturbing, as of lately there is a record number of bankruptcies being reported by consumers and businesses of all kinds. Consumers were given stimulus checks and federal extensions as well as businesses and now the majority are failing because of the pause, which is disturbing and concerning. I strongly feel all financial institutions do understand what has taken place. In my view, these financial institutions are Steam Rolling consumers for financial gain by taking advantage of millions of consumers who have delinquent and defaulted loans, which was created by the unforeseen historic Covid-19 outbreak. These circumstances were way beyond the control of the consumer. ( OCCU ) and ( SB ) has failed to recognize the impact this matter has created and simply do not want to. I have found out through my time spent with this matter, all lenders I have had accounts with acted in the same manner and hid behind their terms and conditions, which are dated and do not apply to this unique circumstance. There is nothing in writing within ( SBs ) terms and conditions that would describe how ( SB ) would operate during a complete government and financial institution shutdown, because that event has never happened before in history. Again, in my view, there are no laws or safe guards that would protect a consumer regarding this never seen before catastrophe. So, how is a consumer supposed to protect oneself with no laws or safe guards set in place? I strongly feel, the banking institutions are fully aware of what they are doing and nobody is talking about this. So, where does that leave the consumer against these financial giants with XXXX resources to protect oneself against their relentless pursuit to obtain payment? Most of the nation, including myself are now being heavily impacted XXXX years later, as its all falling apart right in front of the nations eyes with still no solution or recourse, why not? Finally, the fault and blame lead back to the unforeseen Covid-19 outbreak and ( XXXX ) for their inexcusable adverse actions. ( XXXX ) did the right thing by issuing the past due amount. ( SB ) must and should absorb the past due debt for their adverse actions by terminating my credit line, while I paid timely trying to rebound from what was mentioned above. Lastly, if this matter is not under the jurisdiction of the ( CFPB ), please provide the appropriate agency or agencies that may be of assistance. CONCLUSION I respectfully request ( SB ) to absorb the outstanding debt and reverse any negative credit reporting. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A