Date Received: 2023-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I Checked My Credit Report And This Credit Loan Is On It, Which I Have No Knowledge Of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11368
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I Checked My Credit Report And This Credit Loan Is On It, Which I Have No Knowledge Of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11368
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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: CA
Zip: 92405
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I am receiving emails from Synchrony for a Lowe 's Advantage Card that I never signed up for. The only details I have is that the account ends in XXXX. The Synchrony website does not allow me to contact them via email without signing into an account that I did not create. Please note that I do not live in the XXXX so I am not prepared to contact them by telephone. My issue then relates to ( a ) is this fraud? I can't know, but at the very least ( b ) they have clearly failed their KYC obligations under AML / CTF laws that I know exist in the XXXX ( I do not live in the XXXX ), since they have not even done the most basic checks, including validating an email account - which I note that this was required to sign up here under the CFBP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
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 called the credit bureaus several times in regards to two late payments that are on my credit reports an to resolve the issue but they refused to help with my claim and look further into the matter. I have sent several letters via certified mail to Synchrony Financial Bank/Amazon including one to the CEO of the corporation. I have two late payments being reported on my credit reports from the year XXXX and XXXX due to illness. However, when I was able enough I continued to make on time payments but they refused to reverse the late payments. This is negatively affecting my credit score and I am currently planning to apply for a mortgage, and this come to my attention that the late payments on my records could hurt my ability to qualify. I would like an investigation conducted on this matter and appreciate a resolution and look forward to the positive outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX, XXXX reached out to me threatening to sue for a debt that I had tried to tell them wasnt mine and was a result of my identity being stolen by my abusive mother. They didnt hear me, and only wanted the money. Scared of a lawsuit, I caved and set up a payment plan with them to avoid a suit. I have been making payments monthly for a debt that I did not create nor reap the benefits of. Now, I had a payment not go through due to my card being turned off overnight manually so that my account isnt frauded. On XX/XX/XXXX I spoke with account manager XXXX, who said that the payment would be retried overnight. When I checked with account manager XXXX later that day ( see screenshot below ), she said she wasnt sure and to wait until the next day to see if it would happen. That didnt happen, and my payment plan was voided. They have also been sending me conflicting emails about how much total is due, with varying amounts ( see images ). Their website is also misleading, showing that a payment posted after the failed transaction ( see image ). The amount of inconsistencies in this company as well as the lack of knowledge in its workers tell me all I need to know about it, and I have lost confidence that I can resolve this with them. The account wasnt mine to begin with, but I was afraid to be sued for it because my name is attached to it. The tactics they use are inhumane and wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
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: I was billed a total of {$890.00} on two statements from a vendor who had my charge information for services I never received, were duplicated, or overcharged. I sent a letter to Synchrony bank ( credit card bank ) disputing the charges on XX/XX/2023 and a second request of the same letter at the end of XXXX. It is now the end of XXXX and I still have not received a response. The letters were sent to Synchrony Bank XXXX XXXX XXXX XXXX, Fl. XXXX. I do not have an address for the vendor ... .name of XXXX XXXX XXXX XXXX .only dealt with them by phone as a referral from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX NJ. The vendor 's telephone number was XXXX. I've used the term " WAS '' because later phone calls to this number were unanswered or followed by a recorded message stating that this number is no longer in service. Persons I spoke with at XXXX XXXX XXXX XXXX were XXXX and XXXX ... .never gave me a last name or address. Please help me get some or all of the {$890.00} back. We are XXXX citizens in our XXXX 's and XXXX 's and every penny counts for us. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08831
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Subject : Complaint Against Synchrony Bank - Rooms To Go Credit Card Billing Practices Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Synchrony Bank regarding their unfair billing practices associated with my Rooms To Go Credit Card. Despite making my payments early each month, the bank erroneously marked my account as past due, resulting in exorbitant interest charges and late fees. Furthermore, when I contacted their customer service for assistance, I was met with unhelpful responses, stating that this was simply how their billing system operated, and there was nothing they could do to rectify the situation. This treatment has caused significant frustration and financial burden for me. To provide a clear timeline of events, I consistently made my payments in a timely manner, often submitting them 2-3 weeks prior to the statement cycle as a precautionary measure. However, due to Synchrony Bank 's flawed billing system, these early payments were misinterpreted as delinquent, leading to inflated interest charges and late fees being applied to my account. Despite my attempts to explain the situation to their customer service representatives, they were uncooperative and failed to provide any viable solutions. In light of the unsatisfactory assistance received, I requested the closure of my account and agreed to pay the remaining principal balance as a settlement on XX/XX/XXXX. Regrettably, Synchrony Bank has failed to fulfill their end of the agreement. I am still receiving bills, and my account continues to be marked as past due, indicating a lack of account closure and failure to apply the settlement as previously agreed upon. This negligent conduct is unacceptable, as it not only damages my financial standing but also violates the terms we had established. Therefore, I request the following remedial actions be taken : 1. Mark my account balance as " paid in full '' and promptly close the account as agreed upon in the settlement reached on XX/XX/XXXX. 2. Correct all negative reporting to the credit bureaus associated with this account, ensuring my credit history accurately reflects the resolution of the account. 3. Provide written confirmation of the closure and XXXX balance status of my account. I believe these actions are necessary to rectify the financial and emotional distress caused by Synchrony Bank 's billing practices and subsequent lack of cooperation. Moreover, I kindly request your intervention and assistance in resolving this matter promptly and in a fair manner. Enclosed with this letter, you will find an accounting of all payment and dates processed. Please let me know if any additional information is required to proceed with the investigation. I appreciate your attention to this matter and your commitment to protecting consumers from unfair financial practices. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate actions to ensure my rights are upheld and that Synchrony Bank rectifies their actions. Thank you for your prompt attention to this matter. I look forward to a timely resolution and your acknowledgment of receipt of this complaint. Sincerely, XXXX XXXX Payment History Purchase {$3300.00} 24 months 0 % interest Payment Due Monthly Payment Amount Payment Made Date payment made XX/XX/XXXX {$140.00} $ - Error Submitting ACH XX/XX/XXXX {$140.00} {$300.00} XX/XX/XXXX **included late fee XX/XX/XXXX, XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX Settlement - remaining principal {$1900.00} XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32073
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter dated XX/XX/23 from a company claiming to be Synchrony Bank. They stated my account ending XXXX has been closed due to a recent review of the account. I didn't recall any account with that number, but I do have a store credit card through Synchrony. Also, I have recently placed a fraud alert on my credit report so I thought Synchrony was sending this letter in response to that. The letter gave the phone number XXXX so I called and after speaking to them for a few minutes, I realized they were not the real Synchrony Bank. I hung up and then called Synchrony Bank customer service to report it. They confirmed that the letter is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A PayPal credit card was fraudulently opened in my name and appeared on my credit report. It was issued through Synchrony Bank/Paypal . I have never used PayPal. This is a case of fraud and police report is being filed today. Neither PayPal fraud department or Synchrony bank have been of any help with this situation at all, and they both informed me that it was not their problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A