Date Received: 2023-06-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 I pulled my credit and I had XXXX inquiries. I did not authorize them Please have them removed. They are XXXX, XXXX XXXX XXXX XXXX and XXXX bank dicks sporting goods. Please remove them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've contacted Synchrony Bank 3 times regarding my Musicians Friend credit card. I made an additional payment to my monthly minimum payment and asked Synchrony to apply the additional payment to a specific promotional purchase amount. They incorrectly applied the additional payment initially, even after confirming the correct promotional purchase. After I saw this was applied incorrectly a few days later, I reached out again and again requested that the additional payment be applied to the promotional purchase I had requested. Once again the rep said it was done but my online account was still showing the payment was applied incorrectly a couple of days later. I called again, got the same response, but I still show a couple more days later that it still has not been fixed. I feel like Synchrony Bank is actively trying to prevent me from paying off the promotional balance before the promotional term is due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85641
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Ive been receiving statements for a card I never applied. My ss is compromised which makes this card a fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I opened an account with Lowes, also known as as Synchrony, in XXXX of XXXX. I was approved with a {$2000.00} credit limit. I accepted the offer with 0 % interest for 18 months. I used the card during XXXX and my first bill came in XXXX. The bill was due XX/XX/XXXX and it slipped my mind and I paid the bill on XX/XX/XXXX, asking to please give me a forgiveness so I did not mess up the 0 % APR. They would not. The next bill came around in XXXX, and I made the payment - XX/XX/XXXX {$36.00} ( minimum payment ) and paid a {$30.00} late fee. My XXXX bill had a balance of {$390.00} and a statement saying I had auto pay set up for {$60.00} on XX/XX/XXXX- however whats reflected on my account was a {$23.00} payment and {$41.00} late fee. ( My bill was due on the XXXX ). I went on the chat and got all of this fixed. I started paying the minimum monthly payment. When I recognized the first auto payment did not go through, I paid {$100.00} immediately to the account. I went on the website again to set up autopay AGAIN and everything had finally got ironed out. Thinking I was being credit responsible, I had a {$530.00} balance, as of today and a thought a {$2000.00} credit limit. My XXXX bill was unable to be downloaded on Synchronys website ( that shows my credit limit of {$2000.00} ). However, I was able to find my paper statement from XXXX and I did reach out to Lowes on XX/XX/XXXX and ask for the three statements from XXXX. I was told it would be sent within 14 days. On the XXXX statement, it says the auto payment for XXXX was set up to be paid XX/XX/XXXX for {$60.00} - my entire balance was {$390.00}. The statement shows my line of credit as {$2000.00} per the agreement. Again, I thought this was helping my credit and credit card utilization. In XXXX, I received my statement. My balance in XXXX was {$730.00} and my credit limit was shown as {$760.00}! Much different than a {$2000.00} limit. I went to make a purchase tonight XX/XX/XXXX and it declined my purchase? I looked up my account and my credit line showed {$760.00} and my balance was {$530.00}. It shows that I am utilizing 77 % of my credit line, when I think I am being responsible! I have received notices that the autopay has been going through as expected and I have not made any extensive purchase between XXXX and XXXX. I believe this is fraud and misrepresentation. I asked for them to up my limit back to {$2000.00} as the agreement was made. I would have never taken a hard hit on my credit report for a credit card of {$760.00}. It affects my credit score in an undeniable way. My first thought was to completely pay the entire balance, however I did cancel that. My limit should have never been dropped down to {$760.00} without my knowledge! I have worked so hard on my credit and I am appalled that someone who is trying to be financially responsible has to go through issues such as this! I did set back up my auto payment for minimum balance per month. However, this entire situation is not right. First, to take away the 0 % APR. Then, deny my request for a credit increase, why would they give me an increase when it seemingly looks like Im utilizing 77 % of the cards limit, but should only be utilizing less than 25 %? I just received a {$6000.00} yearly annual raise. This is not right. I do think there is a way to get the consumer protected from instances such as this. I understand the economy is taking a hard hit, but do not hit the consumer in the process, especially the ones who are paying their balances! Its making a negative impact on our scores that does help us make it through hard times, as well. I am hoping that this can be resolved, my credit line return to {$2000.00}, per the reason I accepted the credit card was in case I needed to purchase appliances for my elderly mother and it fix my credit card utilization. I will not stop until the credit line is fixed and correctly indicated on my credit report! I have a care credit card through Synchrony as well, that I have a {$0.00} balance on. I am credit worthy and responsible. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27205
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Upon checking my credit report i see that your company is reporting on my credit for a credit card that was not in my possession and that i did not apply for. I see that the original creditor is synchrony bank and i have been in touch with the official XXXX of this company regarding this situation i have tried to work with your company but i was basically belittle and told me that the only way i can make this go away is to pay for something that is not my debt or a card that i never had in possession. I have a police report for identity theft and have been working with your company but i have not been getting any good response for this. so i am writing you now to try and solve this and remove this from my credit report considering your company did not send me a validation letter or anything with my signature on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I bought a sectional at Lowes for {$690.00}. I was supposed to get the higher of 20 % off my first purchase or a max of {$100.00}. Lowes charged me the wrong amount and I tried resolving with Synchrony and Lowes and neither would resolve the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notification for 2 Hard Inquiries that are dated to XX/XX/23. One is SYNCB/Amazon and the other is XXXX XXXX. Neither Hard Inquiry was authorized by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
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: Synchrony bank Credit cards for rooms to go, care credit, Jcpenny, marshalls. I asked for confirmation of debt with all the wet signatures. They sent me the statement which is not what I asked for. I sent the ceo my fee schedule. Reversing provisional credit {$50000.00} per occurrence, refusing a negotiable instrument {$10000.00} per occurrence {$40000.00}, closing an account without permission {>= $1,000,000} per account {>= $1,000,000} plus {$50000.00} plus {$40000.00} equals {>= $1,000,000} paid to XXXX XXXX authorized absent for XXXX FOX.This case will go for arbitration because we can check the books for the double billing I discovered trust fraud. We are not a U.S. citizen incompetent XXXX according to XXXX XXXX definition. I am a XXXXmerican State National.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
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: Went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX Va on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Office Manager said it will be more than {$4000.00} for the total procedure and almost {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX so I asked if they do financing. She asked for my Driver 's License and secondary ID but didn't say she was applying for CARE CREDIT -SYNCHRONY on my behalf. She later told me I was approved then gave me an appointment for XXXX which I cancelled cause I have no way to go back and forth since we moved considering I no longer drive and just relaying on my daughter and her husband. When I tried to make appointments in another XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va the representative said I already have a CARE CREDIT for {$760.00} but I didn't understand it. The cleaning and Xray procedure for me and my husband was to high so I canceled that appointment. I later got a bill from CARE CREDIT-SYNCHRONY for {$760.00} that I wasn't aware of so I called their fraud hotline and reported that I didn't get any procedure done from XXXX XXXX so that charge is fraud. I even explained to them in writing what happened. They then sent me another bill saying my claim is denied since I authorized it. I didn't authorized the charge since I never went back there. I authorized the office manager to apply for financing but I guess CARE CREDIT put the money going to XXXX XXXX without my knowledge but they are telling me I am responsible to make payments. I also called them again disputing the charge but they refused so I canceled the CARE CREDIT CARD SYNCHRONY but they said I'm still liable to the charge of {$760.00} I also put in a complain with XXXX but CARE CREDIT SYNCHRONY refused to remove the charge of {$760.00}. I am now having anxiety over this cause I didn't benefit from it although I'm making payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/AMAZON & XXXX ), has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 15 U.S.C 1681 creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A