Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Financing by synchrony allowed a card to be opened in my name. Shockingly the account reflects a payment was made. I request all bills to include what account the payment was made from. The debt was sold to XXXX XXXX. However, they have nothing to do w/the information I am requesting. I am requesting information to show when an application was submitted, bills and or anything relevant to this account. Synchrony is the original debt collector and should be able to fulfill the request. Lastly, I find it less than a coincidence this company also maintains Lowes credit cards. Maybe an investigation should be done on that and/or the Lowes in XXXX XXXX Pa and see if more complaints pinpoint that store/company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XXXX of XXXX a credit card was opened with asynchrony bank in my name. The account was not opened by me and synchrony has confirmed that no ID was verified when the account was opened in person. A fraud claim was opened in XXXX of XXXX. It was reopened once they received my documentation regarding the dispute. I provided them with the information for the individual who I believe is responsible. A prior tenant who has since abandoned the property and blocked all communication with no forwarding info. Despite many months of follow up, all documentation and providing statements they requested the claim remains unresolved. In addition to a mysterious second charge since the initial opening purchase which they can not tell me what it is for, the company continues to place collection calls and place delinquent payment notices on my credit report despite repeatedly telling me that I am not required to pay while it is in investigation status. Synchrony refuses to bring this claim to resolution and allow me to speak with the fraud investigators to bring this to a close. I believe they are in direct violation of their own resolution policies and this case should be dismissed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
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 Care Credit {$1300.00} for my credit card payment on XX/XX/2023. The balance was {$3300.00}. The payment posted at my bank and they received the payment and updated the new balance and also say no payment due at this time. They never updated my available balance. I called several times and talk with management and they said because of a large payment they cant update my available credit until XX/XX/2023. I said you received the payment and they say It is a large payment, so a lot of people make large payments on their accounts doesnt mean I dont have the funds. No matter what I say they denied to update my available account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have a line of credit on PayPal. I was unaware that they would hit my bank account and credit card as my preferred payment for online shopping causing XXXX overdraft fees and a negative balance on my PayPal account which I don't understand how that works. I tried calling multiple times to dispute them using my bank account instead of the line of credit for online purchases and couldn't get any answers or have them refund me the overdraft fees they caused. I tried to access their community forum and was rejected access to that to see if someone could help me understand the negative balance. I removed my credit card and debit card from their access. They're charging me increased late fees from {$30.00} to {$41.00}. I tried to change my payment due date online but the request was denied so I called them to change it which was done for the following month. I feel like I'm in a quagmire of fees, interest and deceptive practices by PayPal to get more and more money from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I contacted this company a couple years ago informing them that I didn't open this account in my name and after an investigation it was determined that I had to pay for the charge which I did. I don't think that was fair, but I did and I was told that the charges would be removed. Please remove the charges off my credit report as I did not open this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX XXXX, a credit card was opened fraudulently in my name with Synchrony Bank. The credit limit issued is {$6500.00}. The balance updated XX/XX/2023 is {$1000.00}. The contact info is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70380
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act SYNCB/LOWES XXXXXXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute a charge of ( {$330.00} ) to the credit account I had closed on XX/XX/2023. A new credit account was opened in my name ( XXXX XXXX ) by SYNCHRONY BANK after XX/XX/2023 for the charge of ( {$330.00} ). The charge ( s ) are in error because I did not authorize the following transaction ( s ). I was a member with SYNCHRONY BANK for many years through two different companies ( Ashley Furniture Store and Sams Club ). I have made several transactions between both companies and have always paid my debt transactions in full. However, in XXXX, someone had made an unauthorized transaction with my credit account number through Sams Club. This prompted me to notify SYNCHRONY BANK back in XXXX of XXXX to inform them that the charge ( s ) were in error because I did not authorize the following transaction ( s ). I was told by a customer service technician back in XXXX of XXXX that I would not be responsible for the unauthorized transaction ( s ). I requested that my account be closed because it was clear that someone had my credit account number ; and I did not want my credit history to be tarnished. Towards the end of XX/XX/2023, I received another statement from SYNCHRONY BANK informing me that I owed {$140.00} by XX/XX/2023. I did not act on this information because I was assured by a customer service technician back on XX/XX/2023 from SYNCHRONY BANK that this matter had been resolved and the credit account had a XXXX balance. SYNCHRONY BANK took it upon themselves to open a new credit account in my name, XXXX XXXX, with the following charge ( s ) listed at the top of this paragraph. I did not authorize the opening of this new credit account ending in????. Towards the end of XX/XX/2023, I received another statement from SYNCHRONY BANK informing me that I owed {$190.00}. I asked a witness to stand in my place and speak to another customer service technician at SYNCHRONY BANK. The customer service technician assured this witness that ALL unauthorized transaction ( s ) would be cleared from the following account ending in????. The witness requested that this information be placed in an email form and sent to XXXX XXXX The customer service technician informed the witness that I had to wait fivXXXX days before requesting in writing that the credit account ending in???? had a XXXX balance and that the credit account was closed. On XX/XX/2023, I sent a typed letter to SYNCHRONY BANK. The letter was ATTN : To Billing Inquiries Division. The letter was sent to SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, FL XXXX. I had included the prior conversation between their customer service technician and the witness. Also, I requested in the letter that SYNCHRONY BANK provide me proof in writing that the credit account ending in???? showed a XXXX balance and the credit account closed. Towards the end of XX/XX/2023, I received another statement from SYNCHRONY BANK informing me that I owed {$230.00}. And immediately after receiving the statement, I received a Letter of Collections informing me that I owed {$230.00}. Again, I did not react immediately because I sent a letter dated XX/XX/2023 and was waiting for an updated letter showing that this matter had been resolved. Towards the end of XX/XX/2023, I received another statement from SYNCHRONY BANK informing me that I owe {$220.00}. And immediately after receiving the statement, I received a Letter of Collections informing me that I owed {$220.00}. On XX/XX/2023, I called SYNCHRONY BANK and spoke with a customer service technician and while explaining the situation with her, she interrupted my conversation and asked me to hold. A new customer service technician took my call and I explained to her all the steps of communication that had taken place from XX/XX/2023 till XX/XX/2023. The customer service technician asked, What was the date of the transaction? I explained, The Transaction Details dated back from XX/XX/2023. The customer service technician asked me to hold. SYNCHRONY BANKS communications line was disconnected. On XX/XX/2023, I discovered The Federal Trade Commission Consumer Advice. On XX/XX/2023, I called and spoke with a representative from this agency. I was informed to sit down and type out in detail all experiences that took place and put in a letter form. Also, I was informed to make sure that I sent all correspondence in an attachment file along with this letter for review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Following the recommendation of the FDIC, I am requesting your help executing a lien release for a vehicle I paid off 16 years ago. Unfortunately, my attempts to resolve the matter directly with the lien holder, Synchrony Bank, by both phone and mail were unsuccessful. As a result, I followed up with the FDIC, who indicated they could not assist because Synchrony Bank, which acquired the original lender GE Capital/Consumer Finance , is an open institution. I am hoping if I provide you with the chronology of events and relevant paperwork, you can assist. * XXXX : Purchased XXXX XXXX XXXX XXXX XXXX ; financed through GE Capital/Consumer Finance XXXX XXXX : Fell behind on payments after losing job and going through nasty divorce * XXXX : Debt went into collections with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Negotiated debt of {$1800.00} was paid by check to GE Capital out of Trust set up by attorney XXXX XXXX to settle joint debts as part of divorce proceedings ; the check cleared on XX/XX/XXXX ; note the check was mistakenly made out to a XXXX more ( {$1800.00} ) * XX/XX/XXXX : Gifted scooter to a neighbor who plans to convert it to electric * XX/XX/XXXX : Requested duplicate Title from OR DMV * XX/XX/XXXX : Was informed by OR DMV that Synchrony Bank is lien holdeXXXX XX/XX/XXXX XXXX Called Synchrony Bank at XXXX to try to resolve the problem. I was told that because the debt was so old, I needed to write a letter to XXXX XXXX XXXX XXXX XXXX XXXX * XX/XX/XXXX : Sent letter to Synchrony Bank XXXX XXXX XXXX As of XX/XX/XXXX, I did NOT receive a response. * XX/XX/XXXX : After determining GE Capital/Consumer Finance was a failed bank, I sent a request for lien removal to FDIC via online form. * XX/XX/XXXX : FDIC informed me via email that the lien could not be removed b/c acquiring bank Synchrony Bank was still in operation. They recommended I follow up with the Consumer Financial Protection Bureau * XX/XX/XXXX : Sent email to info@consumerfinance.gov requesting assistance I realize that the documentation does not explicitly tie the debt to the scooter, but I am certain that I financed it through GE Capital. In addition, as part of my divorce proceedings in XXXX, ALL of the outstanding marital debts, outside of property mortgages, were paid off through a Trust set up by my ex-wifes attorney XXXX XXXX , funded from the sale of a jointly owned rental property. So, this debt would have been part of this sweep. Anything you can do to assist in this matter would be greatly appreciated. The 19-year-old scooter has little resale value, but my neighbor is a mechanical wizard and plans to convert it to an electric engine. Hed like to have the Title in his name and keep current with registration and insurance. THANK YOU.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97212
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Care Credit sent my statement to an unknown address. I was not aware that I had missed a payment until i received an email from the company that I was past due. I was charged a {$30.00} late fee on my bill for something that was no fault of my own. I requested a copy of the missed payment from Care Credit to be mailed. That is when I discovered that my bill had been returned to Care Credit. The Agent I spoke with on the phone failed to disclose this to me. This {$30.00} late fee should be removed from my bill due to Care Credit 's error. Please assist me in this matter. I have attached documents received from Care Credit stating the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A