Date Received: 2023-05-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hi, Terms of this card is rewards I could use at XXXX XXXX. I called close to ten times and keep getting told problem will be solved and I will start being able to use my rewards. Nothing has changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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 is also included in a PDF file attached ( better format ) : CFPB Complaint Text This is a complaint against Synchrony Bank Credit Card Division. This complaint is supported of two ( 2 ) spreadsheet files covering two ( 2 ) billing months and two ( 2 ) account numbers at Synchrony Bank. These spreadsheet files are : Fraud Complaint Card XXXX for the XX/XX/XXXX Billing Period. Fraud Complaint Card XXXX for the XX/XX/XXXX Billing Period. Also included with this complaint are the actual billing statements for the above two ( 2 ) cards and billing periods : XXXX Synchrony Premier Statement XXXX XXXX Synchrony Premier Statement XXXX The following complaint XXXX is listed in chronological order. 1. On or about XX/XX/XXXX, I was noPfied by Synchrony Bank of possible fraudulent use on my card ending in XXXX. 2. When I retrieved and looked at my XX/XX/XXXX statement with a due date of XX/XX/XXXX, I found numerous debits ( and credits ) related to XXXX XXXX which were not made by either me or XXXX XXXX the other card holder on this account. All of these entries related to XXXX XXXX were entered fraudulently against my credit card. 3. I immediately told Synchrony Bank to close the account and not allow any further acPvity against this account with the last 4 digits of XXXX. 4. It should be noted that our credits cards were neither lost nor stolen and XXXX are, to this day, in our possession. 5. I filed a fraud complaint with Synchrony Bank on XX/XX/XXXX. I was told at that XXXX that an invesPgaPon would be done and we would be noPfied of the results. A month later now and XXXX no response from Synchrony Fraud department! 6. At this Pme, I was told I did not have to pay the fraudulent charges. Aside from the debits and credits related to XXXX XXXX, the only other debit on the XX/XX/XXXX statement was a single charge for {$130.00} to XXXX XXXX XXXX which represented my total amount owed for the XX/XX/XXXX billing period. 7. I made this total payment to Synchrony Bank on XX/XX/XXXX ( see XXXX XXXX billing statement ). Having paid the total amount owed ( aside from the XXXX XXXX debits and credits which were allegedly to be invesPgated ), I should not have been charged interest on new purchases which to my chagrin was not the case ( see below ). 8. Synchrony Bank then issued us new credit cards with an account number ending in XXXX. These cards were acPvated on XX/XX/XXXX, but have never been used and this account has also been closed because of Synchrony Banks failure to properly handle our fraud claim in a Pmely fashion. CFPB Complaint Text 9. It should be noted, at this point, that there were sPll outstanding charges against the old XXXX credit card which were incurred before the fraud came to light and which Synchrony Bank moved to the new XXXX card ( this was OK and expected ). 10. However, on XX/XX/XXXX, I downloaded our XX/XX/XXXX statement on the new XXXX account only to find that Synchrony Bank had also transferred the balance of the fraud complaint charges ( credits minus debits ) to our new card in the amount of {$590.00}. Furthermore, Synchrony Bank also applied an interest charge on new purchases of {$15.00} which should not have been applied because I paid my bill in full per their instrucPons, i.e., paying all, but excluding the fraudulent XXXX XXXX charges! 11. I then called Synchrony Bank to complain and received a bunch of double talk that the charges had to be moved to the new card and that I would have to pay interest on new purchases because the full balance on the XXXX card had not been totally paid. When I made the aforemenPoned payment of {$130.00} to Synchrony represenPng a payment in full of my valid charges, I noPfied them of what I had done, only to get a silly form leber that said nothing but they received by communicaPon. 12. This is totally wrong! The fraudulent charges should be maintained in abeyance during the so-called invesPgaPon and not charged to me on the ensuing months bill with interest because I allegedly did not pay my bill in full. Again, I was told I did not have to pay the fraudulent charges in XXXX. 13. Then there is the issue of how the XXXX XXXX debits and credits ended up my account in the first place. As previously stated, our cards were neither lost nor stolen, so how could this happen? The only plausible answer to me is the charges came from inside of Synchrony Bank ( possibly to improve their revenue stream to apply fraudulent interest penalPes to the customer ). 14. I filed a second fraud complaint against Synchrony Bank on XX/XX/XXXX via Fax and via online secure message and told them I needed this resolved by close of business today ( XX/XX/XXXX ) or I would be forced to file a complaint with the Consumer Financial ProtecPon Bureau ( CFPB ). I received so such acknowledgement from them whatsoever. In Summary : I believe Synchrony Bank is guilty of civil fraud as defined in the State of Arizona and is abempPng to extort money from me. I do not believe what they have done is a mistake, i.e., I believe what they have done is deliberate and is illegal or at the very least morally wrong. If this complaint does not bear fruit, my next step is to discuss the issue court! I have cancelled my newest credit card ( XXXX ) with Synchrony Bank and I will never do business with Synchrony Bank again! They allege that I owe them money ( voicemail today ) staPng that I owe {$460.00}. Not true, I paid all valid charges for both billing periods on both cards. Respecfully submibed, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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: Since XXXX of this year, I have been looking to buy a home for myself and my sick uncle. When I reviewed my credit report, I realized that I have several damages on it. I have no knowledge of a few of these accounts, so on XX/XX/XXXX, I sent dispute letters to the credit bureaus, in an attempt to remove the fraudulent items from my report, with no success. When XX/XX/XXXX arrived, once again I sent dispute letters to the credit bureaus. This time, one account was deleted, but it was one that had been closed for over 10 years. Ive been doing a little research, and according to the 15 U.S.C 1681 Law, there should be no damages on my report, because its a defamation of my character. Im just trying to obtain a better living space for my uncle and me, and I cant do that because of these negative items.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was invited to apply for the PayPal Cashback card. Upon applying I was instantly denied. The response I received said that I was denied because my XXXX credit report was frozen. I contacted XXXX and they confirmed both my phone and through a XXXX chat that my credit report was not in fact frozen. I then tried to apply for the PayPal card and once again was denied because my XXXX report was frozen even though I had confirmed with XXXX that was not the case. I tried speaking with Synchrony on the phone and they told me that there was nothing they could do and I should contact XXXX. I do not believe this is a XXXX issue. I have never experienced this issue before and I believe this is Synchronys fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Complaint Against XXXX XXXX for Failing to Adhere to FCRA Requirements Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX regarding their failure to adhere to the requirements outlined in the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has inaccurately reported a debt from a non-existent creditor, Synchrony Bank, which is causing significant harm to my credit profile. Despite my repeated attempts to rectify this issue, XXXX XXXX continues to report this erroneous information, claiming that I have a XXXX XXXX XXXX with Synchrony Bank, when in fact, my credit card is with XXXX XXXX. This continued inaccurate reporting constitutes a violation of the FCRA. Under the FCRA, debt collectors are obligated to report 100 percent accurate information, including the names of the creditors, on credit reports. XXXX XXXX failure to adhere to this requirement is evident in their reporting of a non-existent debt with Synchrony Bank, thereby damaging my creditworthiness and causing unwarranted distress. I have clearly communicated to XXXX XXXX that this information is inaccurate and have requested a dispute, yet they persist in mailing me statements from XXXX XXXX, which confirms the fraudulent information being reported. The FCRA was enacted to protect consumers like myself from such inaccurate reporting by debt XXXX. It is imperative that XXXX XXXX rectifies this violation promptly and removes the false debt associated with Synchrony Bank from my credit report. Their continued disregard for the FCRA provisions is causing me significant financial and emotional distress. I kindly request the Consumer Financial Protection Bureaus intervention in this matter to ensure that XXXX XXXX is held accountable for their violations of the FCRA. I ask that you thoroughly investigate this issue and take appropriate actions to rectify the inaccurate reporting, including the removal of the negative information from my credit report. Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureaus commitment to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to a prompt resolution of this issue. Sincerely, [ Your Name ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04210
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was faithfully paid bill on time and never missed a payment and this company decreased my credit limit, causing my credit utilization on each card to be at 90 to 100 %. This company is called synchrony bank. I had over five accounts with them and almost every single one of those accounts They decrease each of them by a large amount like for example from my Sams Club card they decrease the balance from {$8000.00} all the way down to the total amount that I owe which was at {$2300.00}. This affected my credit and I was faithfully paying my bill on time. Never late. Now I can not hardly pay any of them because my utilization and my balances are so high.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
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 found out my identity had been stolen. Someone used my social security number to open a Pay Pal World Master Card. I reported it to Synchony bank, all 3 credit monitoring businesses, made a police report. Synchony keeps calling. The last call was yesterday, XX/XX/2023 saying they had closed the fraudulent account & were opening a new account & want me to make a payment. This is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33809
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I went to XXXX XXXXXXXX XXXX XXXX last XXXX in immense pain and the employee convinced me their insoles were immediately helping. I was crying through most of the appointment and wanted to believe they would help my feet feel better. ( 4 sets of insoles were also {$2100.00} ) The first issue was that the insoles intensified my XXXX XXXX and I got XXXX XXXX from them. The employee made promises she could not keep and told me they would help my other medical issues and then had me sign something saying they do not diagnose or treat problems even though the employee did just that. A few weeks later I got a new credit card in the mail that I had no idea where it came from. I found out that XXXX XXXX XXXX XXXX employee had signed me up for Care Credit without my permission. She took the signature I gave her which she told me was just for the authorized down payment with my debit card, and put it on a Care Credit card application and filled out the rest herself. I went back in again to see if them swapping out my insoles would help and again it just made things worse. They have a no refund policy so when I went back in a third time to plead with them to take them back they said no. I've tried 2 times to call Care Credit 's parent company, Synchrony Bank, to submit a fraud report. Both times it was denied and I got another bill in the mail. I submitted a third report for them to ask XXXX XXXXXXXX XXXX XXXX if I could just return them and that also got turned down. They showed me my " application '' for the credit card that I had never seen before and said that was proof I did sign it knowing what I was doing. I am at a loss for what to do other than to contact a lawyer. Originally I thought I would be making payments on XXXX XXXX XXXX XXXX XXXX website with my debit card, because that's what the employee said was the case. I could afford it at the time to pay the entire thing off immediately with my debit card but she made it seem like she couldn't take the whole payment at once and I had to pay on the website. I have researched about both companies since and have seen that both of them have been sued for situations exactly like mine. They are still doing what they were sued for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53916
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a call from XXXX XXXX XXXX saying they wanted to deliver a letter to me. The service said they were working for XXXX and gave me XXXX 's phone number XXXX. They said the company 's name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX at XXXX, said I owed a debt to Synchrony Bank for {$15000.00}. I never had an account with Synchrony Bank. They said the debt was from XXXX to XXXX. I never had an account with Synchrony Bank. They threatened to take me to court, seize my bank accounts, etc. This is harassment. This is consumer fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX applied for TJX Rewards Credit Card XXXX Called XXXX on the same and was advised that I will receive a letter in the mail regarding the status of my application. XXXX received a letter from Synchrony Bank stating that it was unable to verify my identity. XXXX mailed letter with a copy of my license to Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX advised in the letter if I needed further clarification regarding their decision. XXXX called and spoke to " XXXX '' he said their was a mismatch with my name because the last letter of my last name did not appear. Advised that the hyphen is on my driver 's license and if the " y '' does not appear, it is due to the lack of character space. I was placed on hold and was told that I was approved for {$1000.00}. XXXX and spoke to " XXXX '' to check on the status of the card and I was transferred to the XXXX Department. Spoke to " XXXX '' in the fraud department and she stated that my application. Advised that I was not pleased and I would file a discriminations complaint because I have the credit score, credit history, and my yearly income is over {$100000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A