Date Received: 2023-05-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received an email about my email being listed on the XXXX XXXX and my identity being compromised looking into my credit profile. I noticed all these charges. The only thing that should be on my credit inquiries are my XXXX XXXX XXXX XXXX which is the bank I bank with a transaction from XXXX on finance and a XXXX credit card. I am requesting these inquiries be removed immediately. I have also added another freeze to my profile. Thank you for your prompt attention to this matter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi my name is XXXX XXXX, and I signed up for Synchrony bank through Amazon to make a purchase of {$88.00} on XX/XX/XXXX and was never issued a credit card by mail. Without the card I was unable to sign into my account with Synchrony bank which ended in XXXX. I was unable to log on to my account until yesterday, XX/XX/2023 and I paid off my debt. My credit score went down and my Synchrony account shows that I made the payment but they are still demanding {$44.00} and saying that my account is delinquent. I have been getting harassment calls every single day since XXXX about making a payment and still got a call this morning even though my payment was processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This complaint is related to a XXXXXXXX XXXX XXXX that is provided through Synchrony Bank. I reviewed my statement for XX/XX/2022 and noticed several charges that I did not make or authorize at gas stations that I do not go, in locations I don't go to. I was surprised that the charges were for other brands of gas stations ( XXXX ) than what the card is actually issued for ( XXXX ). As soon as I became aware of these suspicious charges, I called the customer service number and they transferred me to their fraud department. I reported these suspicious charges. They told me it would take two months to investigate and they told me to continue to pay my bill. During the time that the fraudulent charges occurred, the company had increased my credit limit, which allowed the fraudster to charge more. I never heard back and so I called again in XX/XX/2022. They told me that they did not have a record of my report and that they would document the matter and start to investigate it. I waited and nothing happened. I told my daughter about this stressful situation and she called the fraud department on XX/XX/2022 to determine what was happening. They still did not have a record of the report. My daughter and I filed yet another report and got a claim number ( XXXX XXXX ) so we could have a record. They said it would take 60 days to complete the investigation. I received a letter on XX/XX/XXXX that stated " Good News! We completed a review of the claim on your XXXX XXXX XXXX account and found no fraudulent activity. The purchases in question were pending charges not billed to your account. Pending charges may appear as temporary authorizations before an actual purchase is completed. This commonly occurs at gas stations, restaurants, and online. If the purchase is not completed, the pending charge is removed. It's important to always review your billing statements for any unauthorized account activity. Find more information on how to protect yourself at synchrony.com/protect. If you have questions, please contact us at XXXX. We appreciate your business and hope you continue to enjoy your XXXX XXXX XXXX account. Sincerely, Your Synchrony Fraud Solutions Team. We're Here to Help XXXX. XXXX. '' Also, on the letter there is a visual that has a lock image and it states " {$0.00} Fraud Liability = You're never responsible for unauthorized charges. '' After I received this letter, I continued to receive statements with the same charges. I have tried calling the number on the letter and they are not available 24/7. I feel helpless, cheated, and truly don't know what to do anymore. And I continue to have fees assessed on the outstanding balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94403
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: 2023-05-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Home closed my {$1000.00} credit card in good standings, due to inactive use however this card was closed in XXXX ( according to the customer service representative ). I was never advised that the card was going to be closed, or that it was even closed I had to call in to see why my card wasnt working. When I opened the credit card I was told that it will stay open and I do not have to continually use it throughout the year, however the phone representative told me I have to make a home purchase every 4 months to keep the card open, which is weird to me. So now because they closed my account that was in GOOD standings, its going to drop my XXXX XXXX. The representative on the phone said that I would have to resign up for the card which will also have a hard credit pull on my account which will drop the XXXX XXXX again. I have credit cards that I have had open for years - that was never closed, I shouldnt have to make a purchase every 4 months just to keep this open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I opened a JC Penney credit card in XX/XX/2023 and verified my current address and information on the pin pad while in the store and after a couple weeks I wondered why I never received it. When I called to make a payment on XXXX XXXX because I could not make a payment online due to not having my new card, I inquired as to what address my new credit card went to because I had not received it. I was told the address it went to was not the address that I had given them. It concerns me greatly because I had my social security number stolen and someone tried to open a bank account in my name at XXXX XXXX XXXX recently. The agent at JC Penney did cancel the card that went to the wrong address, however I did address my concern on this matter but she didnt seem to be bothered by my concern which is also very concerning to me. I told her that I am going to make a complaint regarding this matter to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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: On XX/XX/XXXX I received an email saying an order was picked up and my credit card was charged. I did not place an order and I was not even in the same state as the pickup location. I called immediately to dispute this. The card 's automated system kept going in circles and would not let me speak to a person, nor would it transfer me to the correct department of the button I was pressing. It asked for my social about 6 times. This company offers NO option to dispute a charge online, only to print a document and mail a physical copy. I was finally able to speak to a person after more than 2 hours of holding and transfers and calling back after disconnects. This person guaranteed me that the charge was removed the same day it was added, although I requested written confirmation of this and they declined. It is XX/XX/XXXXXXXX and the charge is still there. I am absolutely sick of these fraudulent companies taking advantage of people who don't want to wait on hold for half a day. " I apologize for the inconvenience '' - this isn't inconvenience, this is THEFT. Upon calling back, they had NO RECORD of any phone calls from XXXX or ever. They gave me COMPLETELY different information about " the process '' and without my permission CLOSED THE ENTIRE ACCOUNT so now I can't use it at all - and this is an account that I use frequently for personal and business so the 5 % discount is substantial. The way Synchrony handles this is absolutely shameful and absurd and can only be designed to make people give up by frustration - these practices should be illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: During the time of " Late Payment '' I incurred Health issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. ___________________________________________________________________ XXXX CREDIT : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have recovered from my identity being compromised and upon review of my credit report I notice this account was unfairly closed. I was in communication with this company while on XXXX XXXX and wish to have this account restored as it was not authorized by me. They lost payments and have had terrible communication but I was willing to make it work never wanted to close this account because it would affect my credit. Synchrony needs representatives who CARE and properly tracked payments and notes on calls. No one ever knew what I was talking about and they took the initiative to close and we find it interesting that many stores were closing too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Rather than attached the 2 letters I sent to Synchrony Bank ( JC Penney Mastercard ), I am submitting the following statement explaining what has transpired to date. I am writing in response to the attached correspondence dated XXXX XXXX XXXX which I received on XX/XX/XXXX. I am quiet dismayed by this letter especially since I was told this subject letter was sent to me previously on several occasions when I called. I did not get one single letter until the one I recently received dated XX/XX/XXXX ( see attached ). Then to insult my intelligence, this letter indicated that the date of inquiry was XXXX This is absolutely preposterous and untrue. I seriously question the integrity of your customer service representatives especially since I called numerous times since the very beginning of my fraudulent claim on or around XX/XX/XXXX. ( see copies of my personal handwritten notes attached ). Initially when I first notified and completed the fraud investigation form, I indicated that I did not authorized two charges on XX/XX/XXXX in the amount of {$100.00} and {$110.00}. However, I was told some calls later that the purchases were for an industrial board and a floor lamp, neither of which I purchased. Ive been going back and forth with representatives and managers and my efforts have fell on deaf ears. While I admitted that I purchased three of the five items on XXXX as indicated on the fraud investigation form in the amount of {$9.00}, {$6.00}, {$19.00} ( I really cant remember now ). The other two items indicated above I did not purchase. Subsequently, I learned that my claim was denied, but I was not told why. I called again a couple times more, and the response was that I would receive a letter in the mail concerning the results of the investigation. Instead, I was sent the same fraud investigation forms to complete. I never receive said letter ; it never came. I also asked if the merchant stated whether the said merchandise ordered was online or by phone. I never a response. I believe I placed the order by phone. It would seem that whomever performed the investigation would have asked the company for a copy of recording or at least the online order, none of which was done I believe. I DID NOT PURCHASE THE FLOOR LAMP NOR THE INDUSTRIAL BOARD. The merchant is lying as some always do. If I made these purchases I would pay for them, Im an honest person. How dare your management take the word of the merchant over a customer who has been with JC Penney for many years. Further, I was told by the representatives that the merchant provided evidence that the disputed items was mailed to my home and gave me a tracking number which I could not find. I have never received one ounce of proof. Therefore, I demand to be credited for the fraudulent charges + interest. Finally, I am providing a copy of my personal notes of various representatives I spoke with as well as the dates. Not only that, I was assured that notes of each conversation I had with representatives would be recorded and my file noted memorializing the conversation. I dont believe this occurred because I was resent about three more fraudulent claim forms to complete. This entire process has been very frustrating and dauting for me. In spite of all this, Ive only been making the minimum payments on my account to prevent JC Penney from ruining my stellar credit. However, this matter is rectified, I will no longer be making purchases on my JC Penney card not ever! I sent copies to the President of JC Penney Mastercard Synch rony Bank ; XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX ; and, The customer service Department at Synchrony Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: I am writing to express my concern regarding the automatic payments set up for my Synchrony Financial account. I had arranged for fixed monthly payments to be debited from my account on the XXXX of each month as the due date, considering the financial hardship and loss of employment that I have been facing. However, I have experienced significant issues with the automatic payment system, which have caused further financial strain and inconvenience. I proactively contacted Synchrony Financials customer service and requested to set up automatic payments for the fixed minimum payment due on my account. I provided the necessary information, including my banking details. However, despite the assurance, I have encountered the following problems with the automatic payment system. On multiple occasions, the automatic payments have failed to process as scheduled, resulting in missed/late payments leading to additional fees applied to account. I have diligently maintained sufficient funds in my account to cover the minimum payment, yet the payments have not been deducted as promised. As a result, I have incurred late payment fees and penalties, which have only exacerbated my financial difficulties. The amounts deducted have varied inconsistently from the agreed-upon fixed minimum payment due. This inconsistency has made it challenging for me to budget effectively and plan for my financial obligations. This has been very misleading and discouraging due to my current status of financial hardship it seems like this debt will never be satisfied and paid in full of this type of misleading advertisement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A