Date Received: 2023-06-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Since opening the card with synchrony bank in 2021 I have been charged over XXXX XXXX in late fees which I am therefore being charged interest rate fees for the late fees as well as the remaining amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each XXXX XXXX to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted XXXX, XXXX and XXXX credit bureaus. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSYNCHRONY FINANCIAL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Been turned by different companies unable to identify my identity ND fraud alert
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting and XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: During XX/XX/2023 a Synchrony Bank Care Credit card account with a limit of {$4300.00} was created without my knowledge, approval or consent. The {$4300.00} was charged by XXXX XXXX XXXX in XXXX Arizona. It was brought to my attention by XXXX, XXXX and XXXX Credit bureaus due to delinquent payment notices from Synchrony Bank. When I contacted Synchrony Bank about the delinquent complaints, they notified me about the accounts existence. The account did not have the correct spelling of my name, it didn't have my address, phone number or email address. They transferred my call to the fraud department who asked me to file a police report and complete the fraudulent paperwork.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85041
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: I tried closing my PayPal credit account with synchrony bank due to fraud twice. Ive never opened the card and called the fraud department twice. Nothing is being done. The credit card is still active and charged. They have failed to prevent fraud and is part of the problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Purchase of {$3000.00} made in XXXX of XXXX with a CareCredit credit card using a promotional purchase with deferred interest if paid in pull over 24 months. I agreed to a fixed payment amount of {$120.00} at the time of purchase, spread out over 24 months to pay balance in full. Carecredit has a fixed interest of 26.99 % for my credit card for all purchases. After the initial {$3000.00} purchase, other purchases with promotional deferred interest were made. The {$120.00} payments I was making for the {$3000.00} purchase were applied to the other promotional balances, instead of the {$3000.00} purchase. If my balance kept increasing, why was my minimum balance not changed to allow for payments to all three promotional balances so that no deferred interested would be charged. XXXX of XXXX until XXXX of XXXX, no payments were applied to my original purchase balance. They were all applied to balances that were to expire sooner. Synchrony Bank does not state this practice anywhere, instead they state it is as they choose. The Credit Act of 2009 states that payment is applied to that with the highest interest rate, in my case, all purchases on the card have the same interest rate. They did not notify me that they would be applying payments to promotional balances expiring sooner. I made payments on time, every month. I was not notified of the practice of " Sychrony chooses what to pay without notifying consumer ''. And, since the deferred interest has now been charged to my account, there have been no payments made to that balance even though I am currently being charged interest on that- which goes against that Credit Act of 2009.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98277
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: this was an issue starting with symphony Bank when I was using PayPal were I tried to make a payment of {$500.00} didn't go through so they added {$500.00} of that to in already XXXX dept then 4 months later made a {$300.00} payment to them doing a plan to close the account then they sold it to the collection agency and haven't reported that it was sold to them which I heard that you have to do within 180 days which they didn't and now they're lying about this account being an adjustable policy or loan which is false it's been 2 years and this whole thing messed with my credit my ability to refinance my car and get an apartment I would like this done and over with so they could back off or come up with a settlement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Synchrony bank has mishandled the allocation of my monthly payments towards promotional " no interest '' if PIF purchases. Initially I was told via phone that my automatic payments were going to my oldest promotional purchases first. Later I was told over the phone that I needed to call in every month and explain to a representative how I wanted my payments allocated. Synchrony did NOT allocate my payments as requested every payment month. This was an intentional act on Synchronys part in order to cause my promotional purchases to default so they could collect interest. At no point should any of my promotions have gone into default. Each one was set to be paid in full before the promotions expiration date. Synchrony was willfully negligent in distributing my payments. I called Synchrony again to try and resolve the issue on XXXX/XXXX/XXXX. A supervisor refused to share phone records and told me to subpoena them if I wanted them. I have my cell phone records that show phone calls to their XXXX phone number that last anywhere from 15-30 minutes. These records show outgoing calls I made every month where I request allocation of my payments to older promotions so they would not default. During these calls I was assured each time my payment was being distributed as requested and my promotions were in good standing with no chance of defaulting. I have paid my remaining balance to Synchrony bank in full minus the accrued interest they are requesting. I have since closed my account and Synchrony continues to change interest after they broke their agreement to distribute my payments to the promotions I requested. They are obligated to remove any interest accrued on this account. Their previous response was unacceptable and it further illustrates my point. They could not locate phone records. Also the response did not provided a contact email or phone number from the responding representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing to file a formal complaint against your institution and PayPal, PayPal Credit Synchrony Bank, and XXXX regarding ongoing violations of the billing error settlement process, I am writing to inform you that I have sent all relevant parties a 30-day demand letter in accordance with MGL 93A section 9, ( PayPal, PayPal Credit Synchrony Bank XXXX and XXXX ) for their violations of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1661, and the Truth in Lending Acts ( TILA ) unauthorized use provision, 15 U.S.C. 1643. Your failure to complete the investigation within two billing cycles and the erroneous chargebacks, totaling {$2900.00} as of XX/XX/XXXX, and rising, have prompted this complaint. Furthermore, I would like to bring to your attention that as of today, you have reported my account as delinquent and are attempting to collect, which is a direct violation of federal law. Complaint Details : - Parties involved : PayPal, PayPal Credit, Synchrony Bank, and XXXX - Violated FCBA Provision : Failure to promptly credit or refund overpayments and other amounts owed to my account, as outlined in Section [ insert relevant FCBA section ]. - Transaction Details : On XX/XX/XXXX, I purchased a XXXX vacation for {$530.00}. Subsequently, on XX/XX/XXXX, XXXX issued a refund credit of {$110.00} for the rental car portion, and on XX/XX/XXXX, XXXX, Washington XXXX DC, approved a one-time merchant refund for the hotel portion of {$430.00}. - Unauthorized Charge : On XX/XX/XXXX, PayPal authorized a chargeback for the same amount of {$5600.00}, falsely claiming it was a provisional credit. However, it appeared on my statement as a new charge with a different receipt number. The original refund from the XX/XX/XXXX transaction was never issued. - Consumer Financial Protection Bureau ( CFPB ) Complaint : In XXXX, I filed a complaint with the CFPB and informed PayPal in writing that I refused to pay for the charge and demanded corrective measures and the appropriate refund for the rental portion. - Misleading Resolution : PayPal informed the CFPB that they resolved the issue and issued a refund of {$530.00} on XX/XX/XXXX, which was essentially the provisional credit from XX/XX/XXXX. However, they never refunded the original XX/XX/XXXX transaction. - Ineffective Dispute Resolution : Despite multiple calls to PayPal to dispute the credit card charge, XXXX informed me that I had lost my dispute case, leading to no adjustments being processed. Additionally, the XX/XX/XXXX charge that had been applied to other transactions was never removed after the provisional credit refund was issued. - Current Status : As of XX/XX/XXXX, my account remains incorrect. PayPal and the credit bureaus continue to report that I owe them {$530.00}. They are charging me interest on this transaction and have provided false information to the CFPB and credit reporting agencies, falsely claiming that they resolved the issue. - Official False Credit Billing Dispute : In XXXX, I submitted a letter stating that I refuse to pay for the charge and filed an official false credit billing dispute complaint, which PayPal has yet to acknowledge or respond to appropriately. They have continued to report the amount owed for seven months, despite my objections, and have denied me the refunds that I am entitled to. These unfair, deceptive, and abusive practices have caused financial harm and adversely impacted my credit report. I expect a prompt and thorough investigation into these matters and request an immediate correction of my account. Furthermore, I demand that you cease reporting my account as delinquent and halt any collection efforts, as they are in violation of federal law. Subject : Notice of Sent 30-Day Demand Letter in Accordance with MGL Ch 93a section 9 to PayPal et . al, PayPal Credit, and Synchrony Bank Financial certified mail on XX/XX/XXXX Tracking Number ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Financial Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( PayPal et.al ) This complaint serves as a formal notice to the regulatory agency of my attempt to resolve the matter amicably within the specified legal framework. I kindly request your attention and involvement in ensuring a fair and timely resolution. Thank you for your assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A