Date Received: 2023-06-11
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/23 XXXX XXXX Synchrony Bank debited from my XXXX XXXX XXXXXXXX Account {$230.00} for a charge I did not make. I called and they said they'd fix it. On XX/XX/23, they sent me a note saying the " XXXX is XXXX. '' However, they did not credit my XXXX XXXX XXXX Account. XX/XX/23 After several calls, Synchrony sends me a reimbursement check for {$230.00}, which I deposited in my XXXX XXXX XXXXXXXX Account. XX/XX/23 Synchrony sends me an email bill for {$260.00}, which includes a late fee. I called and spoke to XXXX different agents, and was finally referred to " recovery. '' Recovery is closed on Sundays. I am unable to resolve this ongoing problem and it is now effecting 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: 33904
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank closed my Sams Club Credit Card this hurting my credit score. Their solution the problem was to reapply for a new account, one again hitting my credit score, as they swore up and down that they could not reinstate my account. I tried paying off my credit card early and the payment bounced 3 times because synchrony bank takes 7 days to move money and they will only let me pay from my checking account, not a savings, so my funds are always fluctuating. Whats incredibly ridiculous is the closure of my account without any contact to me. On top of this they closed the account even though none of my payments were late or overdue, they just disliked that my payments bounced. I wasnt even overdue or late or anything of the sort. The entire situation is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This concerns a credit card issued by Synchrony Bank ( XXXX XXXX XXXX, XXXX, PA ) to pay for a home improvement. The card was advertised as an interest free card, when in fact it is a deferred interest card. The period ended in XXXX of this year and there was no direct notice of the end of the deferred period beyond a notices on the monthly statement that was not very prominent. I also made payments, above the minimum, online not paying much attention to the hardcopy statements. There were no warnings about the end of the deferred period online. When I went to pay the monthly charge online I notice that the balance had changed by {$5700.00}, the amount of the deferred interest. When I called Synchrony to ask about the charge and explained that I had every intention to pay the balance due to avoid any interest charge, they were completely unwilling to consider removing the charge and consider that their online notification at the end of the deferred period was absent. This deferred interest card product preys on consumers that don't pay attention to hardcopy statements or pay online. Such products should be illegal. XXXX XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: good afternoon, the entity rooms to go closed my account affecting my credit score XXXX, first I had a delay in the card and I paid them with interest, which meant that instead of improving they lowered my quota from XXXX to XXXX, charging an amount of interest and this month that I did not make the payment on the XXXX to the XXXX, they arbitrarily closed my account. It doesn't seem fair to me that they obstinately complicate my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I got a debt collection on a credit card they i was paying on never was told they was close this credit card i never got a called or email
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48150
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have made many attempts to pay against my balance, but they will not make these payments available in a reasonable time frame. New account, multiple payments, large payments, etc. are the reasons I'm given for their " systems '' hold. My payments have been made through their online payment systems and using my banks online payment system. They get paid electronically each time, but want to hold my payments for 3 weeks. I've had a XXXX XXXX account with them for years, and yet they're treating things as if I've done business with them from yesterday. They do not provide any representative at any level the ability to override their system and all of their reps would have approved my requests. No reply from corporate on my complaint, either. Given my extensive payment history with the Synchrony, ability to be approved for the credit line, purchase history from Amazon, and that all recent payments have processed electronically ( and without issue ), they shouldn't treat people this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I opened the car in XXXX XXXX. With a limit of around XXXX. In XX/XX/XXXX my limit was dropped to XXXX. I called and tried to get someone to fix it but they treated me horribly. I asked for a manager and the person placed me on hold and came back to the phone stating a different name saying he was the manager. When I told him I knew he wasnt he argued with me. He told me they would not review my account or credit and that they dont make mistakes. They told me that was all I could have so i instead asked for an increase with another card and was granted it so I didnt need to use this card. I just received post dated for XX/XX/XXXX saying they made and error and should not have approved me in XXXX stating my score was XXXX at that time. It was not. My score at that time was 690-700 between the three bureaus. I also did not have high balances on my cards and this letter said that I did. This is a shady business practice because this is not my information and this company needs to be investigated for credit discrepancies or inaccurate reporting. This is synchrony Ashley furniture store card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Synchrony seems to be illegally denying credit accounts under false/incorrect pretenses, even though they may not do it on purpose. I have tried to apply to the PayPal Cashback Mastercard, which is issued by Synchrony bank. I have applied multiple times during the month of XX/XX/2023, as well as today, XX/XX/2023. I keep getting denied by Synchrony Bank because my XXXX credit file is allegedly frozen. I am receiving denial letters from Synchrony stating the same. It is true that my XXXX file was frozen the first time I applied. I have immediately unfrozen it and reapplied, but it was subsequently denied for the same reason. I have then left my XXXX file unfrozen for over 30 days, then reapplied again today ( XX/XX/2023 ), having verified both online and by calling XXXX that my credit file is in fact not frozen. I have been denied every time, for the alleged reason that my XXXX file was frozen, which is materially false. In the denial letters sent by Synchrony bank on XX/XX/2023, they merely state " Unable to access your credit bureau file due to a freeze. ", mentioning the address of XXXX. I have called PayPal in XX/XX/2023 and on XX/XX/2023 in order to try to resolve the issue. They say they can't advise, because the credit account is opened on the Synchrony side, and Synchrony handles the credit approval. I have called Synchrony ( last time today, XX/XX/2023, at around XXXX PDT - Pacific Daylight Savings Time ), but after transferring me from department to department, they forcefully transferred me to PayPal even though I told them not to. Because Synchrony is the bank approving the credit account and the one sending the denial letter, I believe Synchrony is at fault. I have exhausted all my possibilities : - Trying to reapply - Double-checking with XXXX that my file is unfrozen - Calling Synchrony Note that a quick google search of the keywords " synchrony frozen paypal transunion '' will yield multiple reports of the same issue. This is clearly not isolated to just myself. Synchrony seems to be illegally denying credit accounts for implausible reasons. Note that I am a Synchrony customer ( I have a savings account opened with them )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Signed up Lowes credit card. It's a synchrony bank credit card. when i logged in i saw a charge for " PAYMENT SECURITY XXXX - {$29.00} '' when i spoke to them they say it's added by default as an insurance protection i don't know for who. tried asking them to cancel but customer service keeps routing me to other departments but nothings come if it yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A