Date Received: 2023-06-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Continued part 2 ( XXXX ) I received a letter from Synchrony bank letting me know they found missing payment of {$50.00} from XXXX and would post in XXXX. The original bill was {$230.00} a {$50.00} dollar inconvenience gift and a temporary credit of {$50.00}. When I looked I saw my bill was {$280.00} and I had not used card. What appears to have happened is the temporary {$50.00} dropped off but they did not apply the lost payment. 1 ) I was told due to a credit of {$30.00} for late fee?? was posted twice 2 ) Then I was lied to by XXXX that they never received the check even though it is showing posted. She then in the same XXXX breath stated she would send the check ( that she never received ) back to me. A ) Is it applied or not? Why or Why not they have the money order they sent it back the first time. I sent it with attached documentation of where it should go. B ) After XXXX tells me she is going to send the money order back she then ask for a fax of stub?? this makes absolutely no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received an email on XX/XX/ from Synchrony Bank that stated the following : " Adjust Autopay to avoid paying off planned transactions prematurely [ My first name ], our records show you recently made a promotional financing purchase, and are currently enrolled in Statement Balance Autopay. To take advantage of the promotional financing period and pay over time, we recommend updating your Autopay setting from Statement Balance to Minimum Payment Due. If you do not change your settings, your next Autopay amount will be your new total balance including the total remaining balance on your recent promotional purchase. It's easy to change your Autopay settings '' And then it proceeded to describe how to change the Autopay settings. Apparently all purchases are " promotional financing purchases, '' since I have never actively engaged in any of the Synchrony promotions. Customer service, when asked which of my purchases qualified, simply listed my three most recent purchases. This is a shockingly blatant predatory marketing email : encouraging ( all? ) customers to stop paying off their debts in order to lure them into growing accustomed to not doing so, giving them a false sense of security. Then, inevitably, the promotion will expire, and Synchrony will ramp up the interest payments, pouncing on the unsuspecting customers who are not on their toes or are slow to adjust. Amazon is preying on the same psychological vulnerability that theXX/XX/XXXX companies did : habit formation. The goal is to get customers XXXX XXXX XXXX XXXX XXXX XXXX XXXX for them but good for profits ( XXXX/debt ). This is disturbing and, if not illegal, obviously should be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: To CFPB, - Started from XX/XX/XXXX, the account of the credit card I have from Paypal had been hacked, a bunch of unauthorized transactions were made at another state, not where I leave, to the amount of close to {$17000.00}, and Paypal let those transactions went through ( I use Paypal credit card for surrounding 10 years, and never spend even close to {$2000.00} every month ) withouTot noticing me at all, until close to the month later, they sent me a notice about those transactions and asked me if I was the one to made them. I was stunned, contacted them right away, worked with them in every transaction that not belong to me. They made the notes on them, and told me they will open a fraud investigation on this circumstance. Also, I asked them to close the account since it was hacked, they said they will close and sent me the notice for that. I felt better so nobody can not use my name to make the fraud in my account anymore. - They subtracted some transactions, I waited for them some months according to their words that would take 30 to 90 days to investigate. - Then I received the new bill with the wrong amount ( {$3200.00} ). I called them again, worked with them again, then waited for the investigation again. - I just have been waiting for the correction. They said they will send me the letter for the result. Then I received the letter to ask me if I made any change on my address, if not, I should contact them immediately. I did that, told them I have not touched my account since the problem from XX/XX/XXXX. And I thought they had already closed my account. I told them so clearly that I have not used Paypal since XX/XX/XXXX, and still have waited for the correction. - Time passed, if I have not called them to ask for a result, so I have not received the answer. Several months passed, while I have still waiting for the correction, every month, I have received their monthly bills with different amounts, including new charges, while I still have not used their card. Then I had to call them for that matter, and again, they asked me if I was the one to make the purchase recently. from XX/XX/XXXX to XX/XX/XXXX? I was surprise while the mistakes were constantly being repeated. Of course they were not made by me since I am still waiting for the correction of the fraud in XX/XX/XXXX. - Then after that, XXXX XXXX, I received the letter from them to tell me after the investigation, they found out an incorrect balance, and will credit back to me {$25.00}. I think that is legitimate. Agree with that, and ask them to take off my account if they are still not close yet, they agree with me, and I have also the proof for that. - Then I have not received my credit, nor do they still keep my account remaining. And sent me the new bill in XX/XX/XXXX, with the amount of {$5.00}. I again, was shocked. I first did not want to pay, and straightened out with them again, but I am so tired for many months keep calling them backward forward to ask for the right solution. Every time, I had to spend some hours talking to different people before I could get to the right person, continue to explain what was the problem, and just ask for the right answer. So I decided this time, will make this payment with the check, so I will have the proof to show you the puzzle and unclear ways they treat the customers. - Exactly like I guest, this month, XXXX, I received the new bill with the amount {$300.00} on that ( even I have not used a Paypal credit card anymore since the fraud on XX/XX/XXXX ). - I do not think they will make the right solution. So I will need your help with this. Please give the consumer fair and right treatment. -I would very much appreciate your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92843
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ask them to send verification of the debt they say I owe, they sent old copies of some old credit card statements over 10 years old, I asked them to stop calling me and my work place, they continue to call and harass me, about debt thats over ten years old, the company is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
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: XX/XX/XXXX - I used the card to pay a repairman for work on my home {$360.00}. The repairman was not completing the work so I disputed the charge. After that, the repairman came and completed the work. I called the card- Synchrony Bank- to rescind the dispute. I was told that was impossible because it was resolved in my favor. I was instructed to pay again. XX/XX/XXXX, I was refunded {$360.00} XX/XX/XXXX, I contacted the repairman and he recharged me as instructed. XX/XX/XXXX, Syncrhony adjusted my account and took {$360.00} stating that the original dispute was NOT settled in my favor. I have since contacted multiple times and each person says they see the error and open a new dispute to get my money back. Each time, I am denied. I have contacted the bank several times since with promises to call me back and I have not spoken to anyone. I have asked them to listen to the recordings and they will not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I did a kitchen renovation through Lowes, and as part of that process, I signed up for a Lowes credit card ( through Synchrony ) because they offered a six month deferral on payment an interest for the renovation costs. In the meantime, I used the credit card for a few small purchases at Lowes stores. This last month, I paid the amount to cover the minimum payment on the deferred portion plus the entire amount to cover the in-store purchases. They did not credit the amount for the in-store purchases against those purchases though. They credited it against the deferred balance, so the amount for the in-store purchases accrued interest at a rate of 26.99 %, which came to {$44.00}. I contacted Lowes, but they refuse to credit the amount paid against the recent purchases and remove the interest charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I keep getting emails that I have a payment due on PayPal credit, which I have applied for or asked for, selected, or requested. I didnt know what this charge was for and then realized it for a purchase I tried to make but didnt realize PayPal had an expired so the transaction did not go through. I received an email from the company that there was an issue with my payment and to call them directly so I did. Before I realized this I actually tried to make a payment on pay pal and it didnt even let me. Thats when I dug deeper and realized this was for pay pal CREDIT. Its also worth noting the Synchrony bank is listed on the email. I have several store credit cards through synchrony and I definitely had to fill out a credit app to get approved. I have had a couple calls and voicemails from PayPal to get me to pay but I started getting worried it was all a scam. I looked up PayPals phone number online today and when I called it asked me for the last 4 of my social, which I reluctantly entered, it then kept me in a loop, not letting me speak to anyone and asked for my social again, which I would not enter. It eventually had me on hold for an agent but disconnected me. This has been added to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: In mid-to-late XXXX I received a letter ( see attached ) in the mail from XXXX XXXX XXXX stating that I owed {$4200.00}. I was surprised to receive this letter because I had recently thoroughly reviewed my credit report and did not see their outstanding claim. At first, I didn't believe it because my credit score is XXXX. Shortly after receiving this letter I received a summons ( see attached ) to appear in court ( XX/XX/XXXX ) related to this matter. Shortly after receiving the summons I contacted XXXX XXXX XXXX to " Resolve Your Legal Collections Account '', and to " avoid any further legal action '' ( see attached letter ). These 2 statements are printed boldly on the attached correspondence. I am a XXXX at XXXX XXXX XXXX and Human Resources monitors these things so that I thought it best just to put it behind me. I went online XX/XX/XXXX at XXXX to set up a payment plan ( see attached ). The first payment was made XX/XX/XXXX. After entering into the agreement and making a payment I received nothing in writing. I called an account manager at XXXX XXXX 2 weeks ago concerning the issue of no documentation regarding our settlement. He said that a letter was being sent out that day. I have not received any correspondence in the mail or e-mail as of XX/XX/XXXX, with my court date looming in just a few days. He also said that XXXX XXXX was not going to withdraw it's lawsuit and that they would still press for a judgment. I asked him how I had gained anything at all if they were going to continue to pursue legal action. He said that they would hold off on wage garnishment and additional legal action. My complaint is that XXXX XXXX uses deceptive credit collection techniques to collect the debt. There is no doubt that any reasonable person would think that they are putting a legal matter behind them by entering into a settlement agreement with them. And furthermore, they knowingly delay getting you any correspondence ( mail or e-mail ) in writing before your court date so that they can lull you into thinking that your legal matter has been settled. And then when you don't show up to your court date they can get their judgment uncontested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The credit card account is through Synchrony and was obtained through the purchase of a XXXX XXXX bed. I agreed to make timely monthly payments in the amount of {$200.00} with no interest charges and have made all payments in advance. However, when I made the XX/XX/2023 payment on XX/XX/2023, I received a notice of nonpayment today. I contacted Synchronys customer service and was informed a statement was cut on the same day as my payment and because of this, that payment was entered as an extra payment. Synchrony agreed to delete the late fees but stated they could not reverse the payment and apply it correctly to my XXXX payment. They also advised on XX/XX/XXXX, my minimum payment due is {$400.00}. The online payment portal does not show information regarding additional payments nor does it state their statements for the following month are cut XXXX days following the previous months due date. I have never made a full extra payment in my payment history. I simply would like the payment reversed and correctly applied to the XXXX payment. This is not my error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am writing to express my dissatisfaction and concern regarding an overcharge on the interest applied to my credit card account. I recently reviewed my credit card statement and discovered that the interest charges were significantly higher than anticipated, leading to an unfair financial burden. I believe there has been an error in my account 's calculation or application of interest. have carefully reviewed the terms and conditions of my credit card agreement, and there were no indications of an impending increase in the interest rate or any corresponding changes in the market conditions that would justify such a substantial increase in interest charges. I kindly request that you conduct a thorough investigation into this matter and explain the reasons for the overcharged interest. I expect transparency in understanding the factors that contributed to this discrepancy, including any potential errors in calculations, changes in interest rates, or other relevant circumstances that may have influenced the higher charges. Additionally, I would appreciate an adjustment to my account to rectify the overcharged amount promptly. I trust that you will take immediate action to address this issue and ensure fair treatment through your commitment to customer satisfaction. If necessary, I am prepared to provide any supporting documentation, such as previous statements or records of payments, to facilitate the resolution process. I expect clear communication and timely updates regarding the progress of this investigation, as well as a prompt resolution to this matter. Thank you for your immediate attention to this urgent matter. I trust that you will promptly rectify the situation and restore my confidence in your company 's commitment to fair and transparent practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07675
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A