Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Sycnrhony Jc Penney ( SYNCB/JCP ) is repoting a fraud account on my credit. I have made several attempts to dispute the validity of the account with Synchrony and with the 3 major credit bureaus, and yet it continues to report in my credit. Please note the attached FTC report as I the account is complete fraud and needs to be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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 have been attempting to get two charges from an auto-shop charged back to me through Synchrony Bank XXXX Care Credit for the last 4 months. The auto shop was unable to locate the proper replacement for my automobile and refuse to give me my money back even though they are in possession all parts that had been installed into my car. They are admitting that they are at fault but claim to not have funds to pay me back. Synchrony keeps closing my dispute for various reasons. I have opened disputes a total of 8 disputes for two separate charges, 4 attempts for each charge. The first two times I opened a dispute, Synchrony closed the dispute due to me not communicating back with them but there was zero attempt at communication from them. No emails, phone calls or messages through their customer portal. The third time time, Synchrony informed me that I needed an invoice for each charge from the auto shop stating that all parts/labor that I was charged for had been returned to them. I did this immediately. The dispute was closed due to Synchrony not having a letter stating that I was still owed the funds for the auto shop. They told me that this letter could be typed by me, not the auto shop and did not need to be notarized. I immediately sent this letter along with all additional paperwork that they had stated they needed in the past. The dispute was closed again for lack of proper documentation. Again. Synchrony seems to change their rules and requirements for filing a dispute claim. The worst customer service management team I have ever encountered. I am looking to take legal action against Synchrony Bank due to financial negligence and will be closing my 5 credit accounts that I have with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25701
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: 2023-05-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX I attempted to make a purchase using my Amazon credit card and use the XXXX in reward points toward the purchase. After submitting the order, I received a message stating that my payment was declined. I called the number on the card and was informed that Amazon declined it not the credit card company. I called Amazon and they said it was the credit card company. No one is explaining why my payment was declined and my points have not been refunded. I called again on XX/XX/26 and was asked to wait and again was refused an answer regarding the declined transaction. I did not want to use my account to make the full payment and was forced to because of this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application for Lowes Advantage credit card, was denied, and company will not give reason. I applied online for the card on XX/XX/2023, denied credit card. I called on the day of the application, and would not be told of the reason, but was told I would receive an email and USPS mail giving the reason within 7-10 business days. Was sent an email ( XX/XX/2023 ) that said I was denied credit. The email had a link that can be clicked to find reason. The email does not have any phone contact information in it ( only address of credit card company ). It says " Thank you for your recent XXXX 'S credit request. Please click the link below to view our response to your credit request via our secure site. '' The link goes to the following website : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clicked on link, which went to a web page that asked for 4 questions to be answered. 1 ) Reference Number 2 ) Last 4 digits of your social security number 3 ) Zip Code 4 ) Date of birth. After entering the information, I get the following error message : " The information you provided does not match our records. Please use your browser 's back button to try again. ". When this failed, I called the credit card company and request a reason for denial. They said that I would receive a letter in 7-10 business days and that they could not give any information over the phone. I never received a letter. I called again on XX/XX/2023 XXXX. I asked for reason, they would not tell me over the phone. He suggested I re-apply. I told him I did not want the card any more, I want to find out reason for denial. He refused to tell me anything on the phone. I asked if he could give me details on the application ( to see if I did a typo ). He was willing to verify the mail address, but refused to give any other information on the credit application. He said he has requested to resend the letter, and I should receive it in 7-10 business days. I read that the company is required to give the reason if requested within 60 days. I am filing a complaint ( instead of waiting another 7-10 business days ) because every time I call, they say wait another 7-10 business days. I've waited for over a month, so I am now submitting this complaint. Because they continue to refuse to give me any information, I do not know why I was denied credit, whether is was something in my credit report, or if it was something in the application itself, such as a typo or missing zeros in the submitted gross wages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97086
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied and received an Ashley Furniture card with 24 months deferred interest. The 24 months expired in XX/XX/XXXX. I called in XXXX to arrange to pay the remaining balance, so that I would not incur interest. I asked and was told to pay {$280.00} which I paid on XX/XX/XXXX. I specifically asked and was told that this would make the account {$0.00} and I would no longer owe synchronicity and money. This was a verbal agreement, that if I paid {$280.00} before XX/XX/XXXX. The account would be paid in full and closed. Since than synchronicity continues to call and harass me saying I owe more money, and late fees. They have added these false charges to my credit report. In 24 months I never missed a payment and this had ruined my credit. When I called in XXXX the customer service rep told me I owed {$280.00} and that would take care of the account. This constitutes a verbal agreement between myself and synchronicity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43560
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card " XXXX XXXX XXXX XXXX '' at the financial institution " Synchrony Bank ''. On recent statements for this account, I noticed fees for " CARD SECURITY '', which after some research seem to be related to a " Payment Security Program '' that I do not need and that I did not sign up for. I was able to cancel the service, but I would like all historical fees related to the " Payment Security Program '' to be reversed. I also believe that such automatic insurance enrollments are a disservice to customers and should not be allowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I got an email from Venmo today XX/XX/2023, titled, Apply for our card with no impact to your credit score if declined. Now I work for one of the largest banks in the world as a regulatory risk consultant so I was intrigued because if you are declined for a credit card there is really no possible way to prevent that from potentially impacting a credit score. Its impossible. So I open the email to see, maybe its not really a credit card? It is, and in very very very fine print at the bottom it says, Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application. An approved Venmo Credit Card application will result in a hard credit inquiry, which may impact your credit bureau score. Okay so the title says no impact if declined, only to in very small letters say the opposite. Its very misleading. This is a clear violation of the Unfair, Deceptive, or Abusive Practices Act, and a violation of truth in marketing. The damage occurred as soon as you apply and have a hard inquiry, but if you are declined you have nothing to show for it and it could make it harder to apply somewhere else and can affect the pricing from underwriters. Please do something about this awful campaign immediately, so many people will be deceived, and its such a blatant trick.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Care credit account was closed in XXXX, I have been back and forth with them as to why. It was not for inactivity nor missed payments but instead for submitting too many payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
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: This is my second attempt to request a credit balance on my Synchrony Bank XXXX XXXX Credit Card. I called customer service numerous times, but they couldnt find my closed account for some reason. I have been asked to provide my birthday and social security number, but they cant find any information about my XXXX XXXX Credit Card, which I closed five years ago. Attached is my final email to the bank from the letter I received. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I Have repeatedly attempted to settle debts that I incurred as a result of XXXX and malice. However, XXXXXXXX XXXX has miss reported my agreement with them and after the XXXX they put me through this is reprehensible. I settled the debt and mt credit needs to reflect that. Also ALL credit companies working on behave of Synchrony Bank refuse to deal with me. LAst week, Synchrony said they would follow up, and nothing. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A