Date Received: 2023-06-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank : Closed the following credit card accounts without notice and one without using the card for any purchase. Care Credit - XXXX and other XXXX - XXXX. I want the closed accounts removed from all published credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60612
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: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX credit reporting bureau information incorrect I have tried several times and they refuse to correct information, name addresses, telephone numbers several outdated accounts over ten years old and over 3 years old. A fraud dispute with XXXX XXXX for {$240.00}. Synchrony bank incorrect information in which is causing me financial difficulty. when I called in the report also, they are using information that is incorrect and refuse to delete from my report. Including several outdated inquiries. XXXX Credit Bureau are total frauds. They are not there to help the consumer as they portray and use information that date over 10 years old. I paid off over {$10000.00} XXXX dollars of several accounts and due to this Synchrony Bank had black balled me along with XXXX credit bureau, personal information dating back to XXXX, in which is inaccurate job information. Name information, I need your help as credit bureaus like this destroy consumers credibility along with XXXX XXXX XXXX XXXX XXXX, XXXX. Cunsumer relations XXXX, PA XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03301
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: 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 paid for a service in full on my care credit card for a service that was not fully rendered to me by the merchant that I paid in full. I initiated a dispute with the credit card company on multiple occassions and I was told multiple times upon follow up that my dispute was entered in wrong with the disputes department. The disputes dept entered my dispute in as a service quality issue, dispite the fact I always disputed this transaction under services not rendered, which was the case. Each time I called the disputes dept, they confirmed they re-initiated the dispute under the correct category that time. This never happened, and each time the dispute was entered in wrong under a quality of service issue and was closed out in the merchants favor despite all the evidence I supplied. Each time I re-opened the dispute I explained that I am disputing under services not rendered, not under the category their disputes dept was assigning in error. I was re-assured on multiple occassions that this error would be fixed and a new dispute filed. My dispute was entered in wrong each time, and never fixed and never resolved to this date. Care Credit closed out my dispute each time, and at times failed to respond within the timeframe given to me. They also failed at times to temporarily refund my account for the disputed balance while the account was being re-disputed, which made me feel as though the account was not really being placed into dispute status with the merchant. I feel my dispute has been terribly mis-handled with no care, and absoltuely no regard for the facts and all the evidence I supplied to the disputes dept during this entire process. I still have not been refunded for the purcahse I made, to which I didn't receive services for. This is not right, how can I pay for a service, not recieve a service and not be able to get my money back? This is wrong, especially considering the evidence I supplied back to the disputes dept. I sent a letter by certified mail and gave more information, but I feel that was also overlooked. I supplied the disputes dept with all the evidence they needed for their investigation, even evidencing how the merchant had at times fraudulently falsified their documents in their response and account ledgers, yet I was never given the money back for my dispute. I feel like it does not matter what evidence I gave to care credit, they only kept closing out the dispute not in my favor. I am very disappointed and would like to file a formal complaint against this credit card company. I want to be refunded the money I am owed from this merchant, who failed to complete the work I paid up front for. Dates ( does not include all dates ) : XX/XX/XXXX - I initiated a dispute. XX/XX/XXXX - the merchant responds to credit card company. XX/XX/XXXX - I received a letter from disputes dept stating they closed the dispute quoting they can not judge based on a quality of service dispute. XX/XX/XXXX - I initiated a dispute under services not rendered. XX/XX/XXXX - I sent a fax with additional evidence to disputes dept, re-opening dispute. XX/XX/XXXX - I received a letter from disputes stating dispute was closed not in my favor as no billing erro was found. XX/XX/XXXX - the merchant submits their response to disputes dept. XX/XX/XXXX - I received a letter from disputes dept stating they closed the dispute as this was due to quality of services. XX/XX/XXXX- received a letter from credit card company, asking to contact them is not satisfied. XX/XX/XXXX - I spoke to a XXXX within the disputes dept, XXXX claims she revised the langauge to correctly reflect that the dispute should fall under services that have not been rendered. XX/XX/XXXX - I received a letter that the account was being disputed. XX/XX/XXXX - I recieved a letter from the credit card company stating the dispute was closed out again under quality of services which they can not be the judge of. XX/XX/XXXX - I spoke to another supervisor who said that the dispute I re-opened was again entered in wrong under a quality of service issue, not for services not rendered. He re-opened dispute. XX/XX/XXXX - I received a letter that the account was being disputed. XX/XX/XXXX - I received a letter from disputes dept stating the dispute was closed not in my favor because they determined there was no billing error. XX/XX/XXXX - I called and discovered nothing was done with my dispute in XXXX, again I re-opened the dispute and I received a letter stating the account was being re-disputed. XX/XX/XXXX - I received a letter from disputes stating that the dispute was closed because they beleive there's no billing error ( despite all the evidence I submitted to the disputes dept showing the fraud and ledgers that were falsified by the merchant, in addition to the wrong ledger supplied! ). XX/XX/XXXX - Care credit notifies me of the merchants reply and supplies copies, it was the exact same reply from the merchant they submitted to the credit card company the year prior on XX/XX/XXXX. XX/XX/XXXX - I spoke to customer service, they could not believe how my dispute was being handled and I was told that my issues were being directed tothe corporate dept and that someone would be in touch shortly to help resolve the issues. I never received a call back, or any correspondece from upper management after that call, as promised. XX/XX/XXXX - I wrote a message to the credit card dept asking what the status was of my dispute opened on XX/XX/XXXX. XX/XX/XXXX - I received a response through the portal, stating that they need additional time to process my dispute. XX/XX/XXXX - I wrote back asking for my dispute to be escalated to a supervisor. XX/XX/XXXX - I received a reply that it can take up to XXXX billing cycles to get a response. XX/XX/XXXX - I received a reply stating that the dispute was closed, as they determined no billing error has occurred on this account. I was also informed no new disputes initated by me would be investigated. XX/XX/XXXX - XXXX received a letter from the credit card company stating I needed to contact them if I was not happy with the way my case was handled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was opened fraudulent. PayPal has provided me with documentation. I would like this removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24501
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: 2023-06-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX I logged into my care credit account to set up my XXXX time draft for the minimum payment due of {$110.00}. I did this and received the confirmation email. Unbeknownst to me, I was enrolled in auto draft for the entire balance of XXXX set to debt XXXX XXXX I never authorized this. I do not have a single confirmation email authorizing this amount or transaction. I called synchrony bank on XXXX XXXX when I received an email stating my payment was cancelled because the balance was paid in full. I asked the customer service rep to cancel the auto draft and that auto draft payment as it would cause my Account to overdraw. The customer service rep, XXXX XXXX, said he had done so and that he would reinstate my original payment. I realized I never received any email confirmation of my conversation. I called back into customer service for synchrony bank and spoke with XXXX. The only item that had been done was they had cancelled auto draft on my account, or unenrolled me. They could not reverse the draft ; only my bank could do that. I explained that was not the information I had been given that morning. I further explained that reviews their online mobile experience and I did not enroll to pay the entire balance. I am now incurring overdraft fees with XXXX bank, will have late charge with synchrony bank and potentially adverse marks on my credit. While I had previously been enrolled in their autopay service. I had never authorized the entire balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Synchrony bank is going after me for an item that was broken when sent. The customer service rep told me to trash the mattress since it wasnt in the original box. They fraudulently charged me for random things so I opened a case and closed my account here is proof
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I responded to a solicitation from Paypal to get a Paypal credit card through Synchrony Bank. It has a {$10000.00} credit limit. On XX/XX/2023 I paid the bill from them for {$8400.00}. The money was immediately taken from my checking account. While looking up something about the account, I noticed my credit limit now appears to be about {$1500.00} rather than {$10000.00}. The customer service rep explained " Because you made a large payment, the account is frozen until XX/XX/XXXX. We want to make sure we get the payment. '' I see multiple problems with this situation : 1. I was not given any notice they were freezing the account. I did not know not to use the account. 2. This appears to be a penalty for paying the bill promptly, rather than accruing interest charges. 3. They had the money on XX/XX/XXXX. How can they restrict my credit card use until XX/XX/XXXX? 4. There is something very wrong about discouraging people from paying their bills. 5. I had planned to pay a large bill online with this credit. Had I done so, it would have been declined and I would have suffered serious penalties for not paying on time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXXXX/XX/2023, I was at work when I received an Alert for Credit Monitoring from XXXX XXXXXXXX, XXXX, Level Credit by Self and Identity IQ saying that I have applied for a new credit and it is from XXXX 's XXXX XXXX. I was already clocked in and busy with work. I immediately called XXXX 's XXXX XXXX telling them that Someone have use and membership card and they have applied for their credit card. XXXX of the customer representative on the phone with me tried to help me out but she told me that she can't get my information and they will call me back or I have to reach out to Synchrony Bank myself. Immediately I called them and two of the representatives I talked to on that they couldn't help me solve my problem but instead they were telling that they are having bad reception on their end and they will have to call me back. I waited all day neither XXXX 's XXXX representative or Synchrony Bank called me. When I called Synchrony Bank, I was told to contact the Credit Bureaus. I later disputed the UNAUTHORIZED INQUIRY on my credit profile with them but instead they replied to me by telling that ; " Our records indicate the inquiry... was the result of an application for credit processed on the XX/XX/2023 for a XXXX account. '' The question here is, How can I apply for a credit in store when I am at work?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: At credit care/ synchrony bank are saying I never payed off my credit card in which I did there adding additional fee of XXXX when the amount was XXXX And I happen to give them XXXX and XXXX also XXXX because I thought payment didnt go through and from there bank it maxed to XXXX saying I didnt owe anything but it then had error in there system saying I owe. I do not owe this company I completely paid them off and they took my money and over payed it they gave me XXXX back which I will never understand as of why cause they owe me more then that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: During the year XXXX my husband was XXXX of XXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as XXXX on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my credit score. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. XXXX XXXX XXXX XXXX Can you please help me remove these charge off accounts?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A