Date Received: 2023-06-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: During the month of XXXX, I received notification that Synchrony bank had closed 11 credit card accounts all at once. Their reason was because someone decided my accounts were indicative of risk. I have never missed a payment, never paid late, never went into collections on any of these accounts. I simply used the accounts and try my best to pay them in full as often as possible. Sometimes even making multiple payments per month. I called and spoke to a representative on XX/XX/XXXX named XXXX. He was an account XXXX. Upon review he said he did not know why the accounts were closed. He told a look at my credit and saw I did not have any delinquencies or collections. He asked about bankruptcy at which time I told him I have never filed for bankruptcy. In fact, I am in the process of buying a home and these account closures were going to adversely affect my credit. He said he would open an investigation and it take 30 days. It has been over 30 days and I have not heard anything so I called back. I spoke to another representative that could not offer any help. These account closures caused my XXXX XXXX to drop by XXXX points. I have since reapplied for new accounts on 3 occasions and all 3 were approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX of XXXX I received dental care costing approximately {$4000.00} at XXXX XXXX in XXXX Colorado. Upon proceeding to pay for this care, I was offered a promotional credit card called " CareCredit '' by Synchrony bank to spread the payment out over a period of 2 years at 0 interest by the front desk staff. The staff never explained to me how the card worked in detail to include how the differed interest would take effect. Even so, I remember when initially setting up the account I selected an amount ( approximately {$170.00} ) that would pay off the balance in the allotted time frame to be auto-drafted from my checking account. Fast forward to XX/XX/XXXX, as I am going through my bank statements I'm shocked to see I'm paying Synchrony Bank more than 2 years later, as I had believed that would have been paid in full by XXXX of XXXX. I promptly contacted Synchrony to explain this to them, telling them I'm more than happy to pay off the balance I had left in XX/XX/XXXX immediately, but I believed that the nearly {$2000.00} of interest they tacked on at that point was clearly a result of misunderstanding or a mistake in my auto-pay enrollment. They said there was nothing they could do, so I requested they send me every document they have on my account to include account set-up forms, auto-pay forms and monthly statements. They responded with a broad agreement without my signature on it, and my monthly statements going back 30 months. They have not produced any records that indicate my auto-pay enrollment details as I requested. Additionally, searching my email I found that the first statement I have from them is from XXXX of this year, after the differed interest had already kicked in. From the date of the account opening to the date the promotional period ended, the only emails I received were marketing other promotional products which I don't remember consenting to receiving. In this way, Synchrony bank failed to keep me informed about the status of my account, while constantly marketing to me to flood my inbox with irrelevant information and cloak their predatory intentions. They never made any effort to inform me that the differed interest was about to kick in, a simple phone call at any point leading up to this that explained I still had a balance and the differed interest would kick in would have caused me to promptly pay off the remaining balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Monthly Statement showed the requested cash out ( transfer ) of reward/award points from survey sites of {$480.00} was erroneously recorded as a " Cash Advance '' ( transfer ). First contact with Paypal was made XX/XX/XXXX with Service Rep XXXX ; Second XX/XX/XXXX : Third and Fourth on XX/XX/XXXX and XX/XX/XXXX. Finally, I am sending the un-cashed check voided to Paypal with notes regarding their failed customer service process. I will further comment to each of the Survey sites these funds were earned from, letting them know why I will be discontinuing my participation in their product, survey and product panels going forward! I refuse to pay for receiving monies I have earned..
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: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Approximately 14 months ago I noticed XXXX fraudulent credit cards on my credit report. XXXX Was resolved quickly. The other card, TXXXX XXXXs still on my credit report despite multiple calls, documentation, etc. This card was not opened by me. The XXXX XXXX XXXX XXXX department ( XXXX XXXX XXXX ) reported that the card was marked as fraudulent and would be removed from my credit. This has not been the case. It shows up Negatively on my credit report as " Account charged off ''. XXXX XXXX XXXX XXXX department states that they can not help me any further as they have already issued a letter stating that the account was identified as fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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: This dispute is with Synchrony Bank. I paid off my card in full, then months later received an email about my minimum payment due. I went online and saw that there was a charge for over {$600.00} that was not made by me ( no charges had been made by me since I paid off my card ). I reported this as a fraudulent charge with the bank and was told it would be resolved after an investigation. No further communication was made to me through the " investigation '' and I just received an email again telling me they put the charge back on my account. The fraud department won't call me and never contacted me during the " investigation '' all I received was a cryptic email that I had to click some link to show a PDF of a document that looks like its from 1980 saying they investigated and are stating the item was shipped to " my address '', they didn't even list my address nor provide any detail on this information. This is a flat out lie. I've tried to resolve this with them and they have hung up on me when calling, they have given me the runaround with the " Fraud supervisor '' saying they can't answer any questions about the fraud and that only the " investigation team can '' and I must call this or that department. No one seems to have the ability to help me and they wouldn't accept my request to have them delete my auto pay information from their system. They also told me if I wanted a transcript or recording of our calls that I would have to subpoena them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
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: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Synchrony Bank is trying to sue me in a highly suspicious bully move. I have an account with them that I have been paying through their collector, XXXX XXXX XXXX. The account entered collections about two years ago and I've been trying to pay little tiny bits of it just to keep it semi-alive and avoid the situation where we've arrived. Synchrony has made no attempts to contact me or demand more from me. The last contact I ever had with them was the original debt letter sometime around XXXX. If nothing else, this is a bully move that will only result in a bankruptcy filing if it continues any further. They're trying to sue someone with nothing left to give them. I share a house in my mother's name, and she's close to XXXX XXXX XXXX living off social security. I live almost paycheck to paycheck with a little wiggle room of a XXXX XXXX XXXX each month, and that's going to shrink more as soon as student loans resume. The biggest piece of property in my name is my XXXX XXXX, which is financed until the end of XXXX. The only other big thing I own is a 401(k) split between 10 funding sources with around XXXX saved up, but I have no intention on touching that for the next three decades. Part 1 of my complaint. The following things Im going to say are NOT something Im blaming Synchrony of doing. Ill just try to provide some context to how things arrived at their current state. Dad died from XXXX XXXX in XXXX. Mom and dad have been divorced since I was about XXXX, and the family picture has been weird, to give you the very, very, simple version. Starting from the end of XXXX, stepmom (and whoever else was encouraging her) was doing some VERY criminal things just to play games with me. Withholding info about dads life insurance in XXXX, and then saying Duhhh I forgot. Committing probate abuse / financial fraud / SOMETHING in early XXXX where she staged a fake paperwork fiasco that delayed the annuities dad left me and my brother for an extra month. The month AFTER her underhanded annuity hijinks, someone with access to my then-current XXXX XXXX went on an online shopping spree for fancy ladys shoes and cosmetics gift cards. I know she had access to that account number because I gave it to her in an attempt to help her with the plane tickets to the funeral. She would also have access to my SSN from my dads records (Keep this detail in mind. Its going to come up later!) Dad wanted us to all be a happy family together. I was there at his bedside six weeks before he died when he said it to me. He was so happy, all things considered. Now NO ONE on his side related to me legally or biologically will say a PEEP to me! The Michigan probate attorney who originally handled the process in XXXX XXXX XXXX XXXX, turned out to be a totally corrupt clown who shouldnt be trusted in any kind of legal practice. In XXXX, I was frantically sending out inquiries to ever probate/family attorney I could find near dads district. XXXX replied to one of them by setting a phone conference where HE called ME. We talked for about half an hour while he tried to play pretend-therapist. But the problem with him is, he never sent out probate notifications my brother and I were legally required to see as interested parties written in dads will. When I reported this to Michigan Attorney XXXX XXXX later in XXXX, XXXX wrote a long-winded legalese response to the Commission were he completely lied and said he never called me. Afterwards, he sent me a final email where all he said was Have a nice life! Other lawyers from that district have told me the legal timeline on the original probate could still be open right now because the original forms were never properly served. At the end of the day, XXXX is partially or wholly responsible for setting in motion the Dont give an XXXX attitude my family has used in everything theyve done toward me ever since. His job was to explicitly PREVENT something like this, and then he practically laughed in my face about it! Heres where it gets overwhelmingly creepy: There is a local car dealership in XXXX XXXX PA, XXXX XXXX (now apparently XXXX XXXX that was messing with my car GAP insurance in late XXXX and early XXXX. If you ask them about it today, theyll tell you Oh but we were so prompt and courteous when we were handling XXXX XXXX paperwork. Well, I dont know what alternate dimension theyre living in these days, because I have the whole e-mail chain from their finance lady XXXX XXXX showing thats absolutely untrue. She was lying to me constantly. She was delaying things. When I finally got the Pennsylvania AG Consumer Protection involved mid-way through XXXX, she sent the paperwork in for the second time or the third time, and I magically had my missing insurance refund about a month later. I can almost guarantee you she NEVER sent in the paperwork to the insurance company until it became a legal complaint. She was lying, and dragging me along, and testing me the ENTIRE TIME. Why did she do that? Who put her up to it? Im NEVER allowed to know! I did eventually receive the small refund amount that was due to me, but XXXX XXXX was still committing some form of insurance fraud and consumer abuse for six months before that. Now they keep spamming me with physical ad mail that Ive told them repeatedly to stop, and they ignore me. And Ive opened new complaints through the AG telling them to stop the mail, and they ignore those too. Now the local XXXX XXXX Police are involved. When we got to around XXXX XXXX in the car insurance fiasco, XXXX started using COVID as an excuse in her e-mails explaining why everything was taking so long. Thats the moment my brain said Enough is enough and I got the AG involved. I have an uncle on moms side who died from COVID at the end of that year. He was a retired fire fighter. Thats a GREAT association thats always going to be on my mind! Somewhere out there, in the realm of hypothetical lawsuits I could file if I ever truly knew what was going on, is an accumulated sum of dollar signs. And Im betting more than one person owes me some jail time. Whether the problem is dads will was never valid in the first place, or it was all the crime and fraud and the abusive gaslighting and the online trolling that happened in the years afterwards, Im being illegally blocked from accessing SOME amount of money. What is that amount? How many different people owe me something? I have no way of knowing, and I have no way of even trying to estimate. For the longest time in XXXX to XXXX (before EVERYONE on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / identity theft stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed. THATS how the will factors into this! Its waste of time arguing anything else about it! My family members have been doing everything in their power to financially rob me since at least XXXX. The debt situation were now arguing about didnt start snowballing until XXXX when I needed to take out bigger consolidation loans and traded in my XXXX XXXX for a cheaper XXXX XXXX (which lowered my monthly loan payments by abouXXXX XXXX AND triggered the GAP insurance fiasco at XXXX XXXX). Ive got a few new words to say to this car dealership as soon as I finish writing this report. Im currently in a middle of a police case for NEW mail they keep sending me even after I keep telling them to stop that, and I opened a NEW AG case against them on XXXX XXXX Weve almost reached the deadline the AG gave them, and it doesnt sound like theyre responding to anyone. Part 2 of my complaint. The following thing Im going to say IS directly related to Synchrony, and its where the suspicious part of my complaint comes into play. This is a recap of the past six months alone: In XXXX someone with access to my SSN fraudulently ATTEMPTED (and failed) to open a rewards credit card at XXXX XXXX in my name. In XXXX, someone fraudulently DID open a rewards credit card at the same bank and mailed it to me. In XXXX, someone tried to open an online deposit account at Bank of America. In every case, it was someone who applied for the accounts and then had all the account welcoming info sent to my physical address or my XXXX account. Ive been working with the local West Hills police for the past three months, but the leads are narrow, to say the least. I cant send them to arrest a phantom. Last month, ANOTHER debt collector (XXXX XXXX XXXX) violated the FDCPA by trying to call me when they were requested in writing to only contact me by mail or e-mail (so I always have a paper trail). The complaint I submitted to them through the CFPB and the Pennsylvania AG made their current collector instantly give up and spit the debt back to XXXX. Today XXXX, Synchrony comes into the case with NO warning, NO attempt to contact me nicely, and slams a civil complaint straight through the District Justice office. When the identity theft started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing identity fraud? And now one of them is trying to sue me? Thats a very disturbing and disgusting thought, if theres any truth in it. Other parties involved in this complaint: Im sending the same report against Synchrony to the Pennsylvania AG and CFPB. I will be contacting XXXX XXXXXXXX XXXX at XXXX XXXX XXXX Police next week to update him about the XXXX XXXX XXXXXXXX XXXX problem. I will call XXXX XXXX. XXXX District office to notify her of my intent to submit my defense on XXXX XXXX. AND I will begin a new frantic search for a debt collection defense attorney, since Im completely alone in the dark right now. Im really nervous everyone is going to just recommend I accept the default judgment and file straight to bankruptcy, which was NEVER my intention here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The name of the company is Synchrony The agent that opened the account for me told me that I would need to pay a certain amount on the account monthly and put it on autopay and that this will be interest free. zero arp. I just looked at my account and not only they started charging interest after 1 year but also charged me extra interest for that one year. I spoke to the staff and manager on the website chat but they were not helpful. I called their number and spoke to their manager and he said that he is sorry but nothing that he is able to do and he will make note of it to train the staff better in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Synchrony for Sams Club master card ending in XXXX. I been getting statements sent to my email ( XXXX ) about an account I never opened or utilized. This is a Walmart credit card. I dont even shop in Walmart . XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$340.00}. XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$0.00}. XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$50.00}. XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$0.00}. I never opened this card. Ive called Synchrony Bank about having my email removed from their database because I do not own a Sams Club or Walmart credit card. Customer service told me that theyll remove my email address but they never did. Sams Club Mastercard account is a fraudulent account. It should be investigated immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01902
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I mailed a letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX stating. Per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of 1974. XXXX XXXX XXXX XXXX you are committing security fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934. They have not received any correspondence from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A