Date Received: 2023-06-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: SYCHRONY CARE Credit card that I have had for several years since approximately XXXX. This card was offered to me as another option for payment. This card is XXXX interest for a year if balance paid in full for people with excellent credit. I discovered on XXXX through an email from sychrony bank for payment due on fraudelent charges made on XXXX for {$3100.00} to XXXX XXXX and a 2nd charge for {$3100.00} to XXXX XXXX on XXXX, for a total of XXXX, I contacted them that same evening XXXX to report. I also called again to close on XXXX, XXXX and XXXX as I could still go in through the synchrony app and see my account was still open and new cards were being issued. I also did not ask for a new credit cards to be issued to me after I closed both Synchrony care credit o Synchrony home but they still issued Syncrony Home credit card to my home As I had informed them of a fraudulent address that credit card may potentially be sent to. On XXXX i also noticed that A Synchrony Home card/Rooms to Go was opened. I never requested this card to be opened and never got a card in the mail. This card was fraudulently charged on XXXX in XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, Tennessee for a total charged of {$7300.00}. I live in NY! I have sent each individual dispute forms for both Synchrony home and Synchrony care credit on XXXX XXXX for both cards by mail and both cards to confirm they received it by phone. My first claim for Synchrony care credit card denied on XXXX saying i authorized or beneffited from purchase, payments made by me and account opened for 12mths statements sent to me. I never got statements in the mail. I also never got an email like I have in the past sane day or so when a purchase is first made, alerting me that a purchase has been made on card. I have filed police report XXXX and FTC report on XXXX. This documents were all sent by mail. I also have a letter from dental office indicating that I have always paid my bills and last charge to Synchrony care was XXXX paid in full. I called on XXXX sychrony care credit and they confirmed that claim was denied. I requested appeal paperwork. I have not heard back regarding the Synchrony Home dispute claim. I sent A 2nd letter again disputing these charges XXXX thia time by certified mail sign receiptrequested. I have frozen all 3 creditors as I feel my social security number and information has been compromised. I will be contacting social security office as well. I have also put alerts on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13850
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: On XX/XX/2023, my credit card was charged for 3 fraudulent charges- {$5.00}, {$19.00} and {$79.00}. I immediately notified the Fraud Department at Synchrony Bank and was told a Fraud Claim would be opened. On XX/XX/2023, letter received from the Fraud Department - Fraud Claim approved and charges will be reversed in 10 days. The charges were not reversed in 10 days. On XX/XX/2023 Fraud Department stated I did not need to make a payment during the investigation process. No interest or late charges would be assessed. Interest and Late Charge has been assessed. On XX/XX/2023, a charge of {$28.00} " transfer from XXXX '' appeared on my account. On XX/XX/2023, checked on progress of investigation- it will take 60 days. In May, I called the Fraud Department again to report interest and {$28.00} charged to my account. I was told all charges and interest will be reversed. Again, did not happen. XXXX XXXX, I sent a letter to Synchrony Bank outlining the fraud and all the phone calls I had made and the broken promises that had been made to me. To date, there has not been a response to my letter. On XX/XX/2023, my husband called and was told that the claim had been resolved in my favor. However, no charges, interest or Late Charge ( recently charged for non-payment ) have been reversed as was promised. In summary, I have had to make many follow-up phone calls, received several unfulfilled promises and after nearly 6 months still do not have a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. SYNCB/AMAZON XXXXXXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Last year around XXXX or XX/XX/XXXX, I called XXXX to purchase a generator for my home. I called XXXX to get a quote. They referred me to a local dealer about 1 hour and half from me. The company name is XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, MS XXXX owned by XXXX XXXX. Their phone number is XXXX. This company sent a representative by the name of XXXX to give me an estimate. The The price was {$12000.00} and they were collaborating with Synchrony Bank to finance customers. My husband and I financed the generator through Synchrony Bank and paid in full. We began paying {$490.00} month for the purchase and installation of the XXXX generator. The company promised us the generator to be installed late XXXX of XXXX due to it being a XXXX. We waited and never heard back from them and finally I began calling them and asking when will it be installed. The receptionist kept giving me various dates to appease me and finally, I called XXXX to notify them of the situation and they tried to call the company and I was told that they could not get in touch with XXXX nor the receptionist. I then called an attorney to see what I needed to do. The attorney courteously sent an email requesting for them to install my generator. They ignored the email. XXXX then calls me and says he is no longer working with the company because they are not delivering on the product. He tells me to file a purchase dispute with Synchrony bank to get my money back and he will purchase and install the generator. I called Synchrony Bank to file a purchase dispute and the representative tells me I can't file a purchase dispute until I cancel the service. I then send a cancellation notice to the company and then filed the purchase dispute, This was in XX/XX/XXXX. Synchrony Bank said it would take up to 60 days to close the dispute. I received an email in my favor. Then Synchrony Bank opens another dispute and then sends me another email saying it is in favor of the merchant and I must pay the bill. I send them an email stating I do not have the product and why do I have to pay for a product which was not delivered. Now Synchrony Bank is telling me that they have reopened another dispute and it is going to take up to 60 days again, I have paid {$3900.00} on this generator that has not been delivered. Letter 1 : My Favor - Started Dispute in late XXXX Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Account is owned by Synchrony Bank XX/XX/XXXX Account Number Ending In : XXXX Dear XXXX XXXX , Thank you for your recent inquiry regarding your XXXX CONSUMER FINANCING/SYNCB account, and the opportunity to be of service to you. We have concluded the research on your account and as of the date of this letter, we have issued a credit ( s ) on your account for the disputed amount ( s ) totaling {$12000.00} and billed the amount ( s ) back to the merchant ( s ). If applicable, interest charges and fees associated with this transaction ( s ) have also been adjusted. This account credit ( s ) means that you will no longer have to pay for this specific transaction on your XXXX CONSUMER FINANCING/SYNCB account. Please note that this does not change any contract or agreement that you have entered into with the merchant ( s ) or guarantee that you no longer owe the merchant ( s ) for any obligations required within your contract or agreement. We appreciate you as a valued XXXX CONSUMER FINANCING/SYNCB customer. If you have any questions or if we may be of further assistance, please contact us at the toll free number below. Sincerely, Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAGE XXXX OF XXXX XXXX XXXX Letter 2 : XXXX XXXX XXXX XXXX Hello XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account. We appreciate your message and the opportunity to be of service to you today. I understand your concern regarding the status of the dispute on your XXXX Consumer Financing account. As per our records the dispute is showing closed in favor of the merchant. The balance of {$8300.00} was added back on to the account. You can also check the dispute information online under? Disputes? tab and? Activity? page. Under this tab you can see any open or closed dispute details. This tab will show information on disputes opened in the past 6 months. If you have more question, request you to please write us back or call customer service at XXXX. Thank you for contacting us and allowing us to address your concerns. If you have any questions or if we may be of further assistance in the future, please contact us via the Online Message Center or at XXXX. We value the opportunity to assist you and appreciate your feedback. Stay Safe! Sincerely, XXXX XXXX Customer Service Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EDT To : XXXX Subject : Purchase Disputes What is the status of my purchase dispute? Letter 3 : Re-Opening a 4th Dispute Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Account Number Ending In : XXXX Dear XXXX XXXX, XXXX We're reviewing your claim. We're here to resolve your recently opened dispute claim on your XXXX CONSUMER FINANCING/SYNCB account. Here 's what we've done so far : Opened a claim for the disputed charges. If we need additional information, we'll send you a form to complete and return to us. Updated your account to reflect the disputed amount. During our review, payments on your disputed balance are not required. Your required minimum payment has been updated accordingly and fees and interest will not accrue on the disputed charges during the review process. As a reminder, a minimum payment is still required by the payment due date for any non-disputed balance. We're working to resolve this matter as quickly as possible and will let you know the outcome. We ask that you allow up to 60 days for us to complete our review of this claim. If you have any supporting documentation that you have not previously provided, such as receipts showing the sale or credit in dispute, communications with the merchant, delivery notices or anything else that you feel would help to resolve your dispute claim, please upload the information to our secured email message option within 7 days. Alternatively, you can mail : Synchrony Bank / XXXX CONSUMER FINANCING/SYNCB XXXX XXXX XXXX XXXX, PA XXXX If you have any questions, please let us know. We value your business and are here to help when you need us. Account is owned by Synchrony Bank I do not have the generator ; it was not delivered ; I have done everything within my power to resolve this dispute. Synchrony Bank keep opening up new purchase disputes and telling me it will take up to 60 days to resolve. But I have received 2 resolution letters and still have not received a product ( generator ) nor received my {$3900.00} I have paid towards the product. The Synchrony agreement was a payoff of 2 years. Neither Synchrony is giving me my money back nor is the company giving me my product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account payment history is incorrect. I do not recognize how this account is reporting on my credit report. I do not recognize the late payments associated with this account. Everything reported here does not meet the FCRA. Furthermore the collection is a violation of the 15 USC Code 1681i b. The account is negatively affecting my credit report and I request this late payments be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/2023, I made a payment of {$23.00} to Synchrony Care Care via Synchrony Bank over the telephone. The identification process went well. Less than XXXX minutes later I called to go ahead and order a new card as I had misplaced my present Synchrony Car Care Card, At this point the telephone number that I had given XXXX minutes ago was no longer valid. According to the representative the old phone number was still on the account that I had had over 3 years ago. This is not true. Over XXXX years ago I took off the number XXXX. For over 2 years. I called and changed the number with a representative and never used that number again during the past XXXX years. I have been giving my correct number as XXXX which has always been identified until this person name XXXX and XXXX accepted my calls. XXXX and all related Synchrony accounts has my telephone number as XXXX. The other number should not have been on my account, XXXX. Both seem to not care if I remained a consumer or not. There is something very wrong here as my number has been the same for nearly 2 years and I have never ever had this problem with authentication. The call can be pulled where I made a payment and stated that I may have to call back to secure a new card as I could not find the old card. XXXX, verbally attempted to belittle me when I asked him to repeat his title. I could not get a new card sent to me. At this point, I will not be responsible for any charges made on this card number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Tjmaxx at least in the XXXXXXXX XXXX region and its affiliated companies are trainings its store employees to mislead people into signing up for their credit card by asking to sign up for the rewards card or rewards program. This statement led to my confusion on what I was being asked to sign up for as I thought it was a general rewards situation where you earn rewards like with a phone number and email I was alarmed when the device to punch in my information wanted my social security number and hit cancel and asked if that was for their credit card to which they said yes. Its not the employees fault but they may be tricking a lot of people into signing up for the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13027
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023, Synchrony bank closed my newly opened 2 % cash back XXXX, which I held for approximately 1 month. They closed it because they are a conservative lender, and as such, assumed I couldn't repay my bill now or in the future. I used this card to make my yearly tax and loan payments, and paid the entire balance in full. In the process, I earned {$780.00} in rewards, as shown on the attached statement. I opened the account for the sole purpose of the advertised 2 % cash back, however these rewards were stolen from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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 sent a dispute letter along with FTC report, furnishers letter, my personal ID on XX/XX/, to care credit regarding fraudulent charges made by a family member for over {$6000.00}, also, renewing the card without my permission or knowledge, and putting his name as authorized user without my knowledge and have yet to receive any letter, any corrected transaction errors, any and all fraudulent charges, and/or accurate statement. I spoke with the fraud department on XX/XX/XXXX after I received a voice mail on XX/XX/XXXX to call back regarding care credit. They then told me there was no record of someone calling and there were no notes as why they called that day but, that they would be sending me a letter and that I should receive it within 7-10 business days. But as of XX/XX/XXXX, I have not received any letter, nothing. And I bet they closed my account without giving me any notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97317
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear XXXX, I am writing to dispute the charges on my Care Credit account related to XXXX services provided by XXXX XXXX XXXXXXXX XXXX The purpose of this letter is to request a full refund for the amount paid, as I did not receive the medical care that was promised, effectively resulting in being unjustly charged and ultimately ripped off. I kindly request that you take immediate action to rectify this situation and credit my account accordingly. Enclosed with this letter, you will find the receipt documenting the payment made to XXXX XXXX XXXX on XX/XX/2022, in the amount of {$3000.00}. This payment was intended to cover the dental services I was expecting to receive, but unfortunately, XXXX XXXX XXXX failed to fulfill their obligations, leaving me without the promised medical care. Furthermore, I insist that all additional charges incurred on my account in relation to this transaction be reimbursed as well. The total refund amount should reflect the disputed amount plus any associated fees or charges. I trust that Care Credit will thoroughly investigate this matter and ensure that I am not held responsible for a debt that arose due to the XXXX company 's failure to deliver the services for which I had paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A