Date Received: 2023-06-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We sent ( via USPS Certified Mail, Receipt Requested ) a check for {$5800.00} to Synchrony Bank on XXXX XXXX, 2023 to pay in full the balance on Plan XXXX. An attached letter was enclosed with specific instructions to apply the payment to XXXX XXXX. It is also clearly marked on the check to apply the entire amount to payoff XXXX XXXX Synchrony Bank did not applied the full amount to payoff XXXX XXXX as directed in the letter and on the check. Synchrony willfully and purposely applied {$1100.00} to XXXX XXXX Regarding XXXX XXXXXXXX, we are currently disputing the interest and fees that Synchrony is charging us for XXXX XXXX, see CFPB XXXX XXXX. As of today, I have left 3 detailed telephone messages to the Synchrony representative that responded to this case. I have not received a return telephone call. It is a little hard to ascertain, but it apprears that Synchrony has previously applied monthly payments {$160.00} for the months of XXXX and XXXX 2023 to XXXX XXXXXXXX instead of applying to XXXX XXXX as instructed in the letter and on the check..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77498
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I received a notification from my credit reporting agency that my CareCredit account was over the limit. At first, I thought a fraudulent charge had been applied to my account. My payments have been set to AutoPay since inception, always on time, which further raised concern. After logging into the CareCredit online portal, I noticed a very large interest charge as being the reason for the overdrawn amount. When attempting to review statements to determine why this interest charge occurred, I could not find the credit agreement to validate the terms. In addition, I had never received a statement or notice from CareCredit nor was a statement available online. I sent a message requesting a statement and advising Syncrony ( the financier of CareCredit ) of the issue. I am concerned that the lack of sending notices or statements to your consumers advising them of interest rate increases or interest charges being applied on an " as of '' date is misleading and qualifies as a deceptive practice. Please review to remove the interest charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Received an email Synchrony Bank / Amazon Store Credit Card on XXXX saying I missed a payment due XX/XX/XXXX. Called XXXX XXXX in email that stated Mail Payment to : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX Went to my XXXX Account on Computer called their Customer Service # saying they received my payment and I was not late and that it was a scam. I almost mailed them XXXX dollars. Please get these Fraudsters.
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: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX - Funds pending ( {$5000.00} ) from my XXXXXXXX XXXX account at XXXX to Synchrony Bank XXXX XXXX - Synchrony Bank restricted my High-Yield Savings Account XXXX XXXX - Funds transferred ( {$5000.00} ) from XXXX to Synchrony Bank I don't know exact dates after this, but I began communicating with Synchrony Bank back in XXXX. For the majority of the about 50 calls now that I have made to them, they have been EXTREMELY rude and disrespectful, abusive and cruel. They have generally refused to give me any information about why the account has been restricted and how to unrestrict the account. Only within the past two weeks, on XX/XX/XXXX, did I finally get a man ( a very awful, nasty man [ who is in the audio recording ] ) in the Fraud Department to tell me that the account has been restricted because I " committed fraud '' - although I did not. That is a very egregious accusation and it has nothing to do with the truth. When I asked him for his definition of what fraud is, he told me, verbatim, " Fraud is something illegal. '' When I pressed him to elaborate, he told me that because I am not the owner on the account from which the funds were transferred, that is fraud. In fact, to qualify as fraud, the behavior must include willful deception for personal gain. I have only transferred money from the account into which I first transferred the funds from a different bank - and all of this is known by the account owner, my mother, XXXX XXXX. I am not the owner of the account, but my mother is. I am an authorized user on the XXXX XXXX account. No deception has occurred. My mother is aware of EVERYTHING and as upset as I am that Synchrony Bank is being so criminally abusive. Accusing me of fraud with no true proof of fraud is fraud. Synchrony is the one committing fraud for the purpose of personal gain while they use my funds for their bottom line but refuse me access to my own money and try to tell me that I am not due the accrued interest for the passed time while they have held my funds in the High-Yield Savings Account. When I told all of this to the awful man representing Synchrony Bank, he told me, " I'm not going to remove the hold on your account. '' When I asked him to perform another review and to call XXXX and ask them about my relationship to the XXXXXXXX XXXX account, he would not confirm forthrightly, so I do not believe that any further investigation witll be done. His idea of an anti-solution was to tell me that the funds in the original amount need to be retracted into the XXXX account WITHOUT THE ACCRUED INTEREST that is due on this High-Yield Savings account. About {$20.00} has accrued on the original amount by now as it has been close to two months. It will be closer to {$30.00} after two months. He also told me that the " review '' timeline can go anywhere from 30 to 60 days to beyond. He effectively told me that Synchrony Bank has had success in the past with this practice of stealing people 's money indefinitely without any blowback and that they will just steal my own money forever if they can get away with it. He told me a supervisor would call me back but wouldn't be available because of travel until XX/XX/XXXX. Then, later that same day in the evening a supervisor called me and left a message to call back the main customer service line. All of this is misguided abuse. Synchrony Bank is an unlawful bank that abuses its clientele. If Synchrony Bank falsely accuses me of fraud, refusing to correct its error in the face of the truth and uses this false accusation of fraud as a means by which to withhold the accrued interest which I am due, Synchrony Bank is the criminal in this situation - committing fraud by falsely accusing fraud and for the purpose of withholding due accrued interest in a violation of contract terms, benefiting its bottom line while violating contract terms and refusing to payout the interest that is due. They have told me multiple contradictory things - that the money would be sent back to XXXX by Synchrony and that the money must be retracted by XXXX. Synchrony has not returned the money nor the accrued interest. Ultimately, Synchrony has done nothing to resolve the situation. NO ONE deserves the abuse to which I have been subjected by this very vile bank -staffed, in my experience, entirely by malevolent people who have no interest in the truth. I spoke to a different representative, for example, on Monday, who promised to call me back this morning, Thursday, XXXX XXXXXXXX XXXX XXXX XXXX EST, but never followed up. I am literally physically sick from the abuse. This has been very distressing for a long time now. I am a victim of theft as it is from my perspective. Synchrony Bank has stolen {$5000.00} from me since XX/XX/XXXX and with a flagrant disregard for the law, the truth, and all basic human decency. Synchrony Bank is cruelly criminal. Please review the audio recordings here : Synchrony Bank Accuses Me of Fraud XXXX : XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I received a letter in the mail, from Synchrony Bank dated XX/XX/XXXX, stating that there was an error that caused me to receive an incorrect approval letter from XXXX. What I should have received was " we were unable to assign the credit amount I requested '' however I didn't request any amount I just applied. The letter itself had no contact information where I could inquire what and why I had received it in the mail, on XX/XX/XXXX I called the customer service number on the back of my card and spoke with XXXX different people, XXXX and her supervisor XXXX, that told me that there was incorrect information that was listed ( but wasn't able to tell me what ) and that I could just disregard the letter. On XX/XX/XXXX I tried again to speak with someone by calling the fraud department because with the letter having no contact information on there except the number for 2 different consumer reporting agencies ( which in the letter it explains not to contact them because they did not make the credit decision and would be unable to provide the reasoning of the outcome ). I spoke with XXXX which stated he saw nothing in my account stating there were any issues, I asked to speak with a supervisor, spoke with XXXX XXXX, which again stated that he saw nothing in my account, nor did he find the letter that was supposed to have been sent by Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I requested a credit balance from Synchrony Bank/Vemno in of XXXX of XXXX. I was told a check would be issued via USPS mail within 15 business days. I requested to have the check sent either by XXXX or XXXX and was told USPS was the only option. After not receiving the check within the 15 business day, I informed Synchrony Bank/Vemno that XXXX didn't receive the check and requested the check be reissued. Instead of re-issuing the check, I received a letter with a copy of the check that was cashed. I immediately called Synchrony Bank/Vemno and made them aware it was not my signature on the back of the check and has no knowledge of the check cashing place where the check had been cashed. I was told an investigation would be done and I would received an update to their finding would be provided within 15 business days. I called back on XX/XX/XXXX and was told a new update would be provided on XX/XX/XXXX. I called back on XX/XX/XXXX and was told a new update would be provided on XX/XX/XXXX. When I refused to accept the new status date and requested to speak with a supervisor, the story changed. I was told Synchrony Bank/Vemno already issued a check that was cash and it was up to me to figure out how to get my money back. I would need to find the person and/or visit the check cashing place to get my money back. " If we issued another check, we would be out of {$1600.00}, and that's not on us. The check was mailed and cashed. It's not up to up to figure out who chased the check fraudulently. '' I requested to speak with another supervisor, and XXXX reiterated what I had been told. " It is up to you to figure out what happened to the {$800.00} check we issued to you '' When I requested to have this language sent to me in writing, I was told it could not be done. I'm uploading a copy of the check, police report filed, and a copy of my driver 's license with signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have 2 Fraud acct showing on my credit reports!! I called both a they said they don't know anything about it!! I need them to be removed ASAP!! Its fraud!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/22, I filed four disputes with PayPal credit. Because four transactions were made without my permission as my XXXX account were hacked. 2 cases were closed in my favor Case ID # XXXX and case ID # XXXX and it mentioned that Walmart issued a refund For those 2 cases of total amount of {$690.00} Till now PayPal credit is delaying and denying that and they still asking me for that balance. I escalated the dispute of the 2 other cases that were closed against my favor Case ID # XXXX and Case ID # XXXX In the total amount of {$450.00} All XXXX transactions were fraud!! And the reason that made the 2 first cases closed in my favor must be the same reason For all other transactions. It is fraud! PayPal credit keeps denying the claim and they ask me for the whole 4 transactions amount!! I am attaching the 2 dispute cases results that were closed in my favor I printed them out from my PayPal account and PayPal did not refund me till now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter stating that based ON XXXX erroneous reporting refer to my previous complaint about XXXX reporting incorrectly debts and deliquencies as NEW debts even though they are at least XXXX XXXX XXXX! My credit is was reduced by synchrony as delinquent and lack of my ability purchase a home! This is unfair and unwarranted! I cant keep being subject to XXXX discrimination!! This has to stop
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I XXXX XXXX bought some furniture at XXXX furniture store in XXXX XXXXXXXX I applied for credit and was approved for a {$6500.00} line of credit I bought the furniture on that credit line .... Then I paid my account off within XXXX days, since that purchase I had applied for a care credit card and been approved for that as well it was a {$9000.00} credit card limit of which I put XXXX or {$8000.00} on at my plastic surgeons office and paid that off again within XXXX or XXXX days. I then applied at XXXX 's jewelry store and they gave me a {$2700.00} credit limit of which I have not yet used... All of the sudden XXXX day I was contacted by synchrony Bank via email and told that my credit limit at XXXX was being reduced because I had not used it in XXXX or XXXX months. I then called up synchrony Bank and said if you're not going to keep my credit limit at {$6000.00} or XXXX there's nothing I can really buy at XXXX XXXX for {$250.00} so they might as well just close that account it would do me no good, to which I was told if you make us close this account you will never be allowed to get a XXXX XXXX card again despite having credit scores in the high XXXX and being on my job for more than XXXX years and making over {$100000.00} a year... To which I replied that would be okay that they should still go ahead and close my XXXX XXXX credit card. They closed the XXXX credit card ... Little did I know, an unbeknownst to me they also forced closed my CareCredit account which they had just approved XXXX days earlier for an {$11000.00} credit limit then they also force closed my XXXX 's jewelry account which I had yet to put anything on... All of these actions were taken to spite me for closing my XXXX credit card acct. I believe, this is not only unfair but an unfair credit practice to force close accounts that you were not asked to close that were in good standing with XXXX balances and had been paid off just recently. After calling synchrony Bank several times and the phone numbers on the back of my Care credit Card and my reads jewelry card I was told there was nothing they could do that the account had been forced by synchrony Bank and that I should contact them directly I tried repeatedly to reach them to resolve this issue but no one would help me. I pray that someone from CFPB CAN HOLD THESE PEOPLE ACCOUNTABLE FOR THEIR XXXX XXXX LIKE BEHAVIOR, I NEVER ASKED THEM TO CLOSE MY CARECREDIT ACCOUNT NOR DID I ASK THEM TO CLOSE MY XXXX 'S JEWELERS ACCOUNT. This behavior is a very unfair business practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A