Date Received: 2024-01-28
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: in XX/XX/year> i won a bid on XXXX for a XXXX genuine gold bar, after testing it, XXXX said return it [ all documented ] and seller receieved it, XXXX refused to correspond, so i contacted pay pal, the credit card thru syncrony bank, .they said they sided w seller, go talk to syncrony bank XXXX back XXXX forth it went blaming each other .unresolved..pay pal clearly states full refund if not satisfied. this has not happened .i am a senior with cognitive impairments XXXX XXXX they have defrauded me XXXX will not respond further but to contnue to send bills for XXXX even tho iv disputed this 5x.i have entire documentation from XXXX site they can NOT justify a XXXX credit as a refund on a XXXX returned item, this is full blown ludicricy, comtemt, ignorance, malice with the intent to commit fraud on a senior XXXX does not represent a refund for a XXXX item that XXXX allowed a fraud to occure .and why m i just now doing this is due to my ADA qualifying conditions of intractable chronic XXXX, limititing my daily life and my cognitive impairments XXXX XXXX. but not limited to other issues in my life.Syncrony bank has every document faxed to them but are cluless they are wrong, in their ignorant determination
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I owed Synchrony bank for a maxed out CareCredit account long enough that the account was charged off before I could start paying back the debt. However, I eventually did schedule regular payments. Through all of last year, I made XXXX monthly payments of {$150.00}, and XXXX payments of {$100.00}. When I checked my balance today, it had not been reduced by any amount since last years payments started. At that time, the remaining balance was approximately {$900.00}, and it still is, as though I have made no payments. When I tried to file a dispute with them, they were not available to take my call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87109
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I woke up today to find my credit score tanked by XXXX points suddenly and unexpectedly. Noting a sudden closure on an account with no notification from Synchrony regarding the closure. Upon contacting them I've been provided multiple different narratives and no direct answer as to why I wasn't notified or precisely why the account closure was sudden and unexpected, or as to how to reinstate it beyond applying for a new card, which I'm not interested in. This has happened from the same company 3 times. Once with a care credit, that was closed suddenly and unexpectedly ( I eventually reopened this ) and once with a paypal mastercard that was again closed suddenly and unexpectedly. This marks the 3rd time that this has happened with this company, and the only response I can get is that they simply aren't required to provide any notification of cancellation if the card hasn't been used recently. I have received neither physical or electronic mail regarding the cancellation and after 3 attempts to contact them they simply leave me with a non-answer. Additionally they've attempted to divert my complaint away from the CFPB suggesting instead I call the company or its sufficient to simply complain to the company. This account was transferred to them following a closure of local furniture store a few years back and I never received communication regarding any change of policy or any timeline for use. I never even received an updated credit card for use from the original card that I had received from the furniture company when the account was opened in 2017
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Kept getting repeated phone calls about this issue being my debt, but I have no knowledge of it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Credit company Synchrony decreased my credit limit purely based on my credit score factor, not from the standing point of my credit with the bank or the usage. This not only hurt my credit score directly, but also forced other banks to limit my available credit because Synchrony decided to lower my credit limit from XXXX USD to XXXX USD. This also makes this account impossible to use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Amzn/synchrony bank made me apply for a credit card and forcing a debit offer on me when I did a consumer transactions for a credit card not a debit I called they proceed to pass me around for XXXX hours on a device an I'm XXXX and has a XXXX shortly there after from the stress I don't know if this the right place to talk to but the laws say they can not Provide you credit on terms different from those granted another person with similar income, credit history, and other characteristics. So do they switch every ones consumer transaction to whatever they want and still report on your report as a hard inquiry? My consumer transaction was for the XXXX XXXXXXXX of the Amazon store card not Amazon secure store card seeming to be a new trend cfpb needs to glue eyes to where do I go for help? Is this just going to be complaint?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Bank : Synchrony Bank XXXX XXXX credit card ) Plaintiff Lawyer/s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Phone : ( XXXX ) XXXX My complaint as follows : I had a man come to my door, bang on it like a police officer, and ask me my name, then shoved an unsigned lawsuit paper in my hand, so I don't know who gave it to me. He then told me I have been served. The company, in this case, a bank, never sent me prior notice that they intended to sue me, just the rude man comming to my house. He looked like his eyes were filled with hate, and he was quite rude with how he spoke, his body language, and general demeanor. I was actually nervous, his vehicle had no markings indicating a sherriff or law enforcement and he produced no identification. I tried to contact XXXX XXXX XXXX via email when there website malfunctioned, when I tried to set up debt repayment. No response for XXXX weeks now. I feel as if this was a bit overkill for debt collection practices and I intend to hire an attorney to sue them for the bullying in this maner. I hope nobody else ever has this happen as it did to me, I still have aftershocks of XXXX when I think about it. The message in parentheses is for CFPB and should be deleted prior to publishing to consumerfinance.gov. ( If you know any good attorneys who will work pro-bono for part of the lawsuit settlement, please have them contact me at the phonenumber listed in my CFPB account after XXXX XXXX Monday-Friday, 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: MO
Zip: 637XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony Bank handles my Lowes store credit card account. They have sent me the following email which in part, states : " Synchrony XXXX We're following up on recent changes to your Lowe 's Advantage Card agreement. Starting in XX/XX/2024, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. '' First and foremost, if something happens to me ( I'm in my XXXXXXXX XXXX ), my wife does not do email and has no idea how ; therefore she would be stuck with an overdue payment charge. Second, I believe the bank should provide a paper statement for no extra charge as part of their credit card service. If not, then the charge should be actual cost and be below {$1.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been told different amounts of what my pay off has been. When I called to make a payment around XX/XX/XXXX, I was told my payment would be approximately {$230.00}. I agreed to this payment but when I checked my bank statement {$270.00} was deducted. I called and asked for records of my full payment history but was told this could not be provided to me unless it is for business purposes such as gap insurance. The company does not have an online portal or mobile app. I would like to see records that show what my payments have been to date but it seems I am not allowed to have access to this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: At XXXX XXXX, XXXX, I opened a credit card account with Synchrony Bank, as they had the two years interest free promotion. I thought the due day was XXXX, I scheduled the payment every month at XXXX. At XXXX, XXXX, I checked my online balance and found out that I was charged late fee and interest almost every month. At XXXX XXXX, XXXX, I called the company, complained that why they gave me a wrong due date in the beginning and why they did not notice me the late fee for almost 2 years. but they denied any wrong doing. Two year interest free promotion is just a hook, they tricked you with wrong due date and secretly charged you late fee and interest. I had never received any bank statement for two years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A