Date Received: 2023-06-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Synchrony bank calls me at all times of the day and even on Sundays. I have blocked them multiple times and they use multiple phone numbers to make the calls. I am using a debt management company to help me with my debt and have tried to update my information with the company directly and it is not working.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This bank has a flawed process of verifying me by a code they send by telephone that existed for the entire year I have been with them. This has made it impossible for me to get my instructions to the bank. They send my landline telephone ( I DO NOT OWN A CELLPHONE and CAN NOT RECEIVE TEXTS ) a code which I have no problem successfully receiving. And then their staff calls me back to have me tell them what it is. But when they call back their phone rings one time only at my home and no one is on the line. Recognizing that to be a problem I called the bank back and was able to speak with the same staff who attempted the calls. She reported to me she received an error message and could not get through. Let me be clear. The code she sent me has no problem arriving. It rang twice before I picked it up. And I successfully received it. So the problem is with the bank 's telephone and not mine. She also confirmed the expiration time of your code was so appallingly short that it did no good for me to give it to her. So both of us were left frustrated. And our time wasted. Furthermore, she told me the bank will not allow verification by email. So their process to verify me is flawed. For it can not be completed. Now I am planning to close all 3 of my CDs and leave the bank for good. Their maturity is upcoming. But I have no faith at all my instructions to them will be followed. I am sending the following letter of instruction to them on Monday XX/XX/XXXX without any information from them they allow written instructions. And owing to the impossibility of getting properly verified can only see a problem. ALL I want are all 3 CDs to close to maturity. Sunday, XX/XX/2023 XXXX XXXX XXXX XXXX, MA XXXX Synchrony Bank XXXX XXXX XXXX XXXX, Georgia XXXX XXXX Letter of Instruction to close all 3 of my account CDs on their upcoming maturity date Madams and Sirs : This is my letter of instruction to close all 3 of my account CDs on their upcoming maturity date. XXXX. XXXX CD 12 months maturity XXXX XXXX. XXXX IRA CD maturity XXXX XXXX. XXXX ROTH IRA CD maturity XXXX Please see to it all XXXX are closed on maturity. Secondly, I am advising you of the following issue that is causing serious problems for me in communicating my instructions to you. I have reported this issue multiple times in the past. And for this to continue is NO longer acceptable. Over the past year whenever it has been necessary for your staff to telephone me as happened this past week, a problem arises. When they attempted to verify me by a code they sent, I successfully receive it by telephone. However, when they call my landline back to ask for the code ( for I do NOT OWN A CELLPHONE phone and CAN NOT RECEIVE TEXTS ) their phone rings a single time at my home and no one is there when I pick it up. Recognizing the problem I called Synchrony Bank back and was able to be speak with the same staff member. According to her she received an error message and was unable to speak to me. She also confirmed the expiration time of your code was so appallingly short that it did no good for me to give it to her. So both of us were left frustrated. And our time wasted. Furthermore, she told me the bank will not allow verification by email. So your process to verify me is flawed. For it can not be completed. Let me be clear. The code you sent me has no problem arriving. It rang twice before I picked it up. And I successfully received it. So the problem is with your telephone and not mine. My conclusion is that if anything further is required by telephone to close all 3 of my CDs other than this letter of instruction you are making that impossible for me. And you may expect that I will report any violation immediately to an appropriate Banking Commissioner. And I will advise them you have not offered me any way possible for my instructions to be followed by your bank. So follow this Letter of Instructions and close the CDs on their maturity date or expect problems. The issues your bank is causing are no longer tolerable. Finally, I request that you immediately verify this by US mail and email that these instructions will be followed. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Company closed account without notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: the bank owes me XXXX $ for a system glitch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: For over 2 years I have and a " hit-or-miss '' ability to access my Paypal account. The purchasing side and the credit side are now both inaccessible. I have a credit balance I want to pay down or pay off, but after I sign in the site just spins and I can't transact anything. On the purchasing side, I can't use pay pal as an option through a vendor site to make a purchase. Again, it just spins. I have called, emailed, and texted and all I get is '' I have never heard of such a thing ''. Then I contacted Synchrony Bank, which backs the credit side, and they said, " It's not their problem ''. Despite many hours of trying to get them to fix the problem, no one listens. I even had a computer programmer come in and be sure my computer wasn't acting up. This is the only site that has this issue for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
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: Somewhere end of XX/XX/2022 I ordered a XXXX XXXX ( keyboard ) at Guitar Center here in XXXX Texas using a credit card from Synchrony Bank. The amount of merchandise is {$3000.00} that includes shipping and handling fee. Guitar Center told me that i will have the purchased item within 7 business days. I waited for about 14 or 16 days until i recieved it, when i unboxed the merchandise I found out many keys of the keyboard were damaged ( i took pictures of the damage keys ). I returned the keyboard on XX/XX/2022 to Guitar Center in XXXX TX, they gave me a receipt of merchandise returned. A month later i recieved a billing statement from the Syncrony Bank that i have to pay {$570.00} for the purchase of the keyboard. This {$570.00} according to Guitar Center was not refunded to me because it's the amount of shipping/handling, in other word they did not refund the whole amount of {$3000.00}. My questions is, is this legal to charge a consumer of shipping/handling when a mechandise is returned. I would think Guitar Center should be charging the delivery company or whoever deliver the merchadise, i should not be charge of {$570.00} because it was not even my fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Dear XXXX XXXX XXXX, I have made 3 purchases with my paypal account - PAYPAL AMOUNT - PAYPAL BALANCE - ( paypal debit card ) on XXXX XXXX, of {$35.00} each, however, I do have a paypal credit as well, associated with my paypal balance. On that credit balance I was charged {$35.00} XXXX as well on XXXX XXXX, which makes it 6 charges of {$35.00} ( 3 from my paypal balance- which I authorized- but another 3 from my paypal credit balance - I ONLY AUTHORIZED 3 CHARGES - NOT 6 ). I have contacted Paypal various times in the last 2 weeks, by phone, chat, email, online through the website and my app, but they refuse to respond and address this issue. When I call, they send me a link to chat with them, when I chat with them, they send me a link by email, then they say to go through the app., etc. nobody wants to be in charge nor address the issue, everybody points the responsibility to somebody else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from Sam 's. Which result in a big drop in my credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
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 purchase clothing online from XXXX XXXX and used their site and PayPal Credit since it was offered and it was offer no interest with Paypal for purchase made at XXXX XXXX if balance was paid in full with 24 months. So i purchase clothing items online of about {$550.00} worth us paypal to pay it and when the merchant ship the order and took payment. I should have be required to sign for the package as I have a Signature Require with XXXX, XXXX, and USPS unless the merchant authorizes the release and overides my sign required hold. In this case that is what happen the order with delivered by XXXX in three white shipping bags that where thrown on my porch and the bags where open and ripped and had one piece of tape on themin attempts to keep bags from being notice open which I took pictures of when i got home and saw them. I contacted the merchant and requested a return and refund. The merchant refuse to refuse money charged me return shipping fee. and confirm receipt of return this all within 14 days of purchase. I received confirmation they received return. but not refund and they claim to email me a egift card store credit for the amount when i requested and demand my Credit Account with Paypal that was charges be refunded. Merchant has not refunded anything to my paypal account. I have disputed the billing and charge with PayPal and PayPal Credit and the allow my dispute but come back in favor of merchant and stated a pruchase was make, and if I want refund I must return the items are you kinding me I did return items, I never signed and or accepted the packages and delievery and XXXX, USPS, and XXXX have on my online account restricted delievery address requires signature to delievery. The pacakages and items were delievry not as purchased and agreed, the items were damaged and open and not in new sealed conditions, if I had been present at delivery I would have refuse delievery due to condition of packages ( 3 Bags ) and again requested and demanded a refund and I paid for good to be delivery in a certian condition which the merchant and courier fail to down and therefore intitled to a refund upon return receipt of items from merchant which I received and which merchant charged me {$7.00} for shipping of returns to them. I disputed the matter with Merchant and attempt to resolve with no success, I disputed with Credit Company the charge that I was charge for items that I received outside scope of assume agreement on a online order and purchase and one did accept and or sign for it and therefore didnt accept the condition of items states during delivery and the items return merchant and my credit account should be refund in full or dispute should be in favor of me Of and now all my letters and there finding are not longer available to be to print and or save
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A