Date Received: 2023-05-31
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I, XXXX XXXX, am filing a formal complaint against Synchrony Bank for not properly and fully cancelling out a loan request account, after providing Synchrony Bank and Roto Rooter with my clear and concise decision not to proceed with either the repair to fix the sewer pipe and to stop and or cancel any loans or accounts from proceeding immediately. On XX/XX/2023, I requested that XXXX XXXX come out to my home to assess a leaky pipe connected to my home sewer. I was advised that my main sewer line needed a new interior lining from XXXX XXXX whose office operates out of XXXX New York. While being overly approached and intimidated by several XXXX XXXX XXXX ( XXXX ), I was provided with an astronomical quote and given an application from XXXX XXXX XXXX of XXXX XXXX to see if I had the option to get a loan with no interest to pay off the cost of the work to fix the actual pipe if I proceeded. I was approved XX/XX/2023 same day at XXXX XXXX for the Synchrony Bank loan of {$18000.00} the amount XXXX XXXX quoted for the repair coordinated by XXXX XXXX XXXX of XXXX XXXX. Shortly after same day, XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and advised to him that I wanted to get further estimates and that I wanted to stop any proceedings having to do with the sewer pipe fix and to stop any loan /account set up activity with Synchrony Bank XXXX I clearly in written text messages, just XXXX hours from the time the loan application and repair were quoted, advised XXXX XXXX XXXX of XXXX XXXX that I would not be signing the repair contract he just prepared and sent over to me, nor would I be moving forward with the repair or loan. My next step was to contact Synchrony Bank myself to ensure that this account would be confirmed closed, null and void. I asked XXXX XXXX XXXX of XXXX XXXX for Synchrony Banks contact information, and was refused. I was advised to XXXX it. XX/XX/2023 at XXXX in the morning, as soon as Synchrony Bank XXXX, I called and spoke with representative XXXX XXXX XXXX to advise that this account needed to be cancelled asap and that I would not be proceeding with this repair or loan. XXXX XXXX XXXX from Synchrony Bank XXXX at that time closed the account which had a {$0.00} balance. I confirmed with XXXX I had never signed the repair contract with XXXX XXXX. XXXX XXXX XXXXXXXX Synchrony Bank advised that the account and loan were cancelled, however, I would need to contact XXXX XXXX to have them lift the hold for the {$18000.00} that was placed thereafter I had provided written notice to XXXX XXXX that I would not be proceeding with the repair or loan. I was appalled that the hold was even on the account since I never signed any contracts for this pipe to be fixed with XXXX XXXX, not to mention it was XXXX hours after the XXXX XXXX tech XXXX XXXX XXXX left that I had written him via text confirming that I was not moving forward with the repair and or loan. XXXX XXXX XXXX of XXXX XXXX acknowledged my request, and confirmed back that this request was heard and that he would advise both XXXX XXXX and Synchrony Bank of the same that I would not be moving forward, with his assurances these matters would be completely taken care of. I contacted XXXX XXXX administration offices in XXXX New York and was transferred to the manager XXXX, who would not even give me his last name. He was clearly acting and responding very defensively, and I could tell, his best interest was not me. I wanted to let him know directly that I would not be proceeding with fixing the sewer pipe with them and that I needed him to remove the hold on the Synchrony Bank account asap and that I had never signed contracts to fix the pipe. XXXX, manager from XXXX XXXX assured me that he would take care of it right away and would contact the bank to remove the hold and that he would call and email me confirmation same day. I never heard back from XXXX this day as promised. I attempted to contact him again but he was not picking up the phone. XX/XX/XXXX, still no contact from XXXX at XXXX. I again called Synchrony Bank and requested to be transferred to a manager. I was transferred to a said supervisor, XXXX ID XXXX. I asked that they ensure this account was closed and that I receive written formal confirmation the account was closed and I once again stated I would not be proceeding, nor were any contracts signed to fix the sewer pipe with XXXX XXXX. XXXX XXXX XXXX, of Synchrony Bank XXXX tried to assure me that the account was closed but that XXXX XXXX XXXX still essentially bill Synchrony Bank XXXX and post a charge to this closed account, even though no contract was signed and the loan and was deemed cancelled. Synchrony Bank said the only thing I could do at this point was to have these conversations noted in the closed account case note section and that I should advise XXXX XXXX the same, to lift the hold from Synchrony Bank. Being that XXXX, manager at XXXX XXXX was not cooperative, this was not an open avenue to take. I was advised to wait and see what happens and if necessary we could fight any charges posted as fraudulent activity. I called XXXX a third time from XXXX XXXX, and was connected to him. I asked why the Synchrony Bank account still had a hold when he advised he would remove it and send me written confirmation via email. He said he would take care of this in XXXX minutes. 8 days later, still no word or confirmation from XXXX at XXXX XXXX in XXXX NY and it is extremely unhealthy for me to speak with XXXX any further. In summary, this account that was set up prematurely with Synchrony Bank needs to be formally and entirely closed with written confirmation of such to myself. I need confirmation that no charges can be posted to this Synchrony Bank account that was requested to be closed on XX/XX/XXXX to a XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX assisting representative that coordinated communication between Synchrony Bank and myself and my clear and concise request to Synchrony Bank directly cancelling any open accounts or loans. These events with Synchrony Bank, have caused me distress and mental and physical distraught and are continuing to do so. If this matter is not resolved immediately and if this account is not completely closed out with no possibility of any charges posting, I will be communicating with my legal council. I hope you can see the urgency and actions in such an important matter. These dealings have grown into a deceitful, master manipulation. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To whom it may concern, Please I need your help. I am filing a complaint about Synchrony bank XXXX whom I have had a 13 month ROTH IRA CD account # XXXX which matured XX/XX/2023. I have requested in writing with my signature 2 weeks prior to the maturity date that the funds be rolled over to XXXX XXXX XXXX XXXX also sent them the necessary documents for the roll over transfer. After several days from XX/XX/XXXX, I checked with XXXX XXXX several days in a row and they informed me that they have not received the funds. So I contacted Synchrony bank and informed them that XXXXXXXX XXXX has not received the funds. Synchrony responded by saying the check for the entire Roth IRA CD {$130000.00} was mailed XXXX the XXXX. After waiting several more days I contacted XXXXXXXX XXXX who told me they received nothing. Since then I have contacted Synchrony bank at least 25 to 30 times. I have requested they put a stop on the previous check ( which my bank never received ) and to issue me another check to be rolled over to my XXXXXXXX XXXX. I have requested at least over twenty times for a manager or supervisor to call me to confirm my request but I never received any phone calls. All they did is give me the turn around over and over again. Until now my XXXX XXXX has not received my funds, its almost XX/XX/XXXX. Its a retirement account for Gods sake that I worked for many many years. I can not afford losing my life savings, please help. In the mean time I have lost all the high interest that I could have made since XX/XX/XXXX at 5.25 % interest rate. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77042
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: 2023-05-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received alerts from XXXX, XXXX XXXX and XXXX XXXX regarding a credit monitoring alert for Synchrony Bank. I called Synchrony Bank about an inquiry that was found on XX/XX/2023 with Synchrony BankXXXX . The representative let me know an account was opened at XXXX XXXX and charge in excess of {$2900.00}. The representative transferred me to the fraud department. The next representative said she'd flag my account and alert all three credit bureaus regarding the account and the associated charges. I also contacted XXXX XXXX XXXX and was advised to file a report here and/or at the police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This Complaint is against Synchrony Bank Credit Amazon store Credit Card XXXX XXXX XXXX XXXX, PA XXXX Phone Number XXXX website : XXXX Accepted settlement XXXX weeks ago for XXXX payments over 3 months. Paid first two on time as they were set up as I thought the third was. I get a notification via text on XX/XX/XXXX XXXXXXXX XXXX central ( why wasnt I texted when it was actually due? ) saying my payment is due XX/XX/XXXX. I called same day and asked how much I owe. Gentleman said the payment was late? I told him my account was on autopay so how was it late? He said it doesnt show that here. I then tell him id like to settle the rest that is owed ( XXXX ). I paid over the phone. He told me that they will make a decision if they will settle the account or not within 30 days and contact me. I said okay. I filed a complaint against them on XXXX same day with no response as it was sketchy. ( XX/XX/XXXX ) Checked my bank few days later ( included picture ) and was charged the XXXX. On XX/XX/XXXX 8 days later I get a letter that from a sketchy email thats 'from synchrony ' so I check it. I included that in the pictures as well but will type it out. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account number ending in : XXXX Dear XXXX XXXX, We are contacting you regarding the Amazon Store Card account referenced above. Due to us not receiving the settlement payment as agreed, we are now reporting this account as a bad debt to the credit reporting agencies. Please note any future dated payments you may have set up with us have been cancelled and will not be processed. If you have any questions, or want to discuss payment options for this account, please call the phone number listed below. Sincerely, SYNCHRONY BANK XXXX this is an attempt to collect a debt any information obtained will be used for that purpose. Account is owned by SYNCHRONY BANK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Got this around XXXX at night on XX/XX/XXXX. I tried logging into my synchrony account and they cancelled my login. I tried to pay what I owed via guest pay and it wouldn't let me. I included images as proof attached. so had to wait till the morning to call. I called around XXXX XXXX XXXXXX/XX/XXXX the phone number provided on the sketchy looking letter and the guy asked me for my account number or FULL SOCIAL SECURITY NUMBER. I told him no way i fill comfortable giving someone my full social over the phone. I hang up and call the number on the back of the card. Lady confirms the letter is true. My accounts were closed and 'charged ' as a bad debt. I tell her I just made a payment a week ago and there is no reason for them to charge as a bad debt without notifying me first so I had a chance to pay the rest as I let the gentleman know on the phone XXXX days ago. She kept saying sorry do you want to pay it and I kept saying I have to contact CFPB to report now and get my credit repaired after as this is now on my credit even though I let them know XXXX days ago I was fully willing to pay. -Did n't even give me XXXX hour after notice to pay the account in full before reporting bad debt. - Didn't let me know of the decision to not honor the settlement because It was 'late ' even though I am enrolled in automatic payments. - Their website doesn't show what day the settlement payments are due nor does it give you the contract signed so you can check. Website doesn't give how much you owe or show any paid off balance after first few payments. - said they would reach out and let me know- I was still continually paying so no reason to report to debt collector agency ( which looks like their own bank? ) -Was n't able to pay this bad debt before being let know I had a bad debt even with your 'pay as guest feature '. -Cant even login to my account to 'pay off the bad debt ' thanks for giving me the chance to screenshot this. - Seems like retaliation after I filed complaint against them to XXXX - letter seems to be from their debtor agency and doesn't give me amount or ample time to pay debt. Just says they will be reporting to credit agencies. Seems like they are spiting me. - I paid when I got the text that the payment was due. Image attached. - I also attached images showing their website not showing what is owed in the settle when or what time. It also shows im enrolled in autopay and says my payment is due in 5 days. Scheduled payment of XXXX is scheduled as well. - already charged me ( paid in full ) so the payment wasn't canceled yet reported to credit agencies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX, V, XXXX filled a case against me through XXXX XXXX XXXX XXXX XXXX ( XXXX, KY ) in XXXX and I just received a summons from the sheriffs department on XX/XX/XXXX, threatening to serve me at home or my place of work. All information they presented is very inconsistent with the paperwork I have dating from XXXX and send to the debt consolidation company ( XXXX XXXX ) in XXXX, which was when the debt occurred. In summary, there was XXXX different account numbers with XXXX different amounts. Also, there is nothing reflecting in any of my XXXX credit bureaus for this collection agency, XXXX XXXX credit agency OR JC Penny Synchrony Bank. Timeline is as follows : On XX/XX/XXXX a letter was written to me from Synchrony Bank stating the card ending in XXXX was sold to XXXX XXXX XXXX. XXXX, FL Amount is XXXX. Stated it sold on XX/XX/XXXX. XXXX of limitations is 5 years. This would put max collections at XXXX, if I am tracking correctly. This was sent to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX received email from XXXX stating debt for XXXX XXXX ( JCP ) was added to plan. Letter received from XXXX XXXX XXXX on XX/XX/XXXX sold to XXXX XXXX jumping to XXXX and ending in XXXX. A copy of this letter was sent to XXXX on XX/XX/XXXX. Received letter from XXXX XXXX XXXX on XX/XX/XXXX to pick up documents, which I did on XX/XX/XXXX. Documents reflect old statement balances from XXXX of XXXX with account ending in XXXX. XXXX letters/statements : Different Account # XXXX and Different amounts XXXX XXXX Acct. XXXX {$690.00} XXXX XXXX Acct. XXXX {$820.00} JC Penny XXXX XXXX XX/XX/XXXX Acct. XXXX XXXX {$780.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40475
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Payment of {$48.00} due XX/XX/XXXX XXXX XXXX Attempted to pay, while out of town assisting XXXX person whose spouse was in the hospital & had to stay until TuesdayXXXX XXXX XXXX XXXX, due to the hospitalized spouse 's delayed release. Called the Synchrony Bank number to attempt payment on the due date ( Monday, XX/XX/XXXX ), but system required bank routing & account numbers, which I did not have because I did not bring my checkbook on the trip. I called the payment in on Tuesday, XX/XX/XXXX around noon ( thus meaning it was approximately 18 hours late, at most. I called Synchrony Bank to request a waiver of the fee, and was told because I had already had a waiver within the last 12 months, the late fee could not be waived. I followed this up with a letter dated XX/XX/ to Synchrony Bank ( XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX ). My dispute is/ was not about paying a reasonable late fee, but the amount of {$41.00} ( which equates to slightly more than 85 %!!! of the {$48.00} monthly installment. In the letter, I cited the ludicrousness of the amount of the late fee in relation to the monthly installment, told them if they did not adjust the late fee to a reasonable amount ( 5 %, {$5.00}, or? ), I would never do business with Rooms to Go again, or any other retailer associated with Synchrony Bank, and if they did not satisfactorily adjust the late fee, I would file a complaint ( with CFPB ). I received a letter dated XXXX XXXX XXXX ( from the bank 's Customer Service Department ) citing my account history & in the interest of good customer relations, that they were crediting my account for the {$41.00}. However, their XXXX UT based collection " arm, affiliate '' or whatever, has been calling me daily in the range of XXXX to XXXXXXXX XXXX I returned the call today and cited the 5-17 bank letter. The representative stated that because I didn't pay the {$89.00} total by XX/XX/XXXX ( I paid the regular {$48.00} ), that the {$41.00} amount remains, and is due by XX/XX/XXXX. Essentially, this makes ZERO sense, because their system is strictly geared to dates and algorithms, thus creating a self-perpetuating, and now erroneous late fee of {$41.00}. PLEASE RECOGNIZE AND / OR EXPLAIN THIS TO THE APPROPRIATE PARTY / DEPARTMENT ( S ) WITHIN SYNCHRONY BANK. I will be paying JUST the regular {$48.00} payment on or before XXXX XXXX XXXX and ensuing payments by the XXXX of each month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Received line of credit from synchrony bank for home repairs, once the account was posted & accessible they added fees and interest which automatically sent the account over the limit. The over limit caused significant damage to my credit & I attempted on two occasions to get info about the account before it posted and was told they didn't have access at the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from XXXX on XX/XX/2023 and also from SyncXXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Hard Inquiry appeared on my credit report on XX/XX/2023. I called Synchrony Bank ( Phone number for XXXX ) about a XXXX XXXX XXXX that was opened in my name on XX/XX/2023. I was referred to the fraud department and the account was then closed due to fraudulently being opened in my name. Apparently, there were a few online purchases made on the new credit account that originated from XXXX XXXX according to the fraud department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Had a Sams Mastercard issued by Synchrony Bank. Last four are XXXX. Valid thru XX/XX/XXXX. SYNCHRONY BANK CANCELLED THIS CARD WITHOUT MY KNOWLEDGE. Synchrony claims my card had been reissued as a SamsMastercard Elite last XXXX XXXX and it had been sent months ago. Never received. They printed the same card and resent it via mail due XX/XX/XXXX. Never received. They did cancel my Sams id number. Got a new one. SYNCHRONY KEEPS BLAMING THE POST OFFICE. Reordered card to be delivered via XXXX. Credit score is over 800. XXXX XXXX in full. Perhaps Synchrony is not making enough money on my card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A