Date Received: 2023-05-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I worked with Synchrony Bank to pay off my balance almost a month ago and would like to have this removed from my credit history. I would like to get married to my partner and also, buy a house in the future, and this is impacting my future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I agreed to get credit with 24 months of no interest and after 12 months they are charging $ XXXX of interest plus the credit loan amount. The total credit loan was {$2700.00} approximately. I agreed to pay the amount in full not including the {$800.00} for late fee. They blocked me access for my online account and could not see the balance. In addition, I didn't receive any mailed letter and I was not aware of the situation until I see my credit report in bad condition and affected because of this. The credit loan was with synchrony XXXX XXXX XXXX bought in one of their partners.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78582
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
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 applied for a credit card through Synchrony bank. I was told my membership fee to Sams Club would be reduced from {$50.00} to {$20.00} for the year. I never was approved for the card. And XXXX dropped my credit score XXXX points. This seems ridiculous that they could get away with this! Your own company reported not long ago that credit bureaus like XXXX are scamming people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have Synchrony card security for years on all my cards. I have filed proper claims for a XX/XX/2023 life event impact claim. I filed it in XXXX. : Benefit request number XXXX, XXXX, XXXX, XXXX, XXXX. The 3 monthly payments have been made. However, the company refuses to payoff the claims under the pretext that I have not provided the documentation needed. I have proof that I have. I provided all documentation requested. I faxed it on XX/XX/2023 to XXXX. I sent it via email to XXXX on XX/XX/2023. I emailed it again to XXXX on XX/XX/2023. I uploaded the documents to XXXX XX/XX/2023, too. I called them on XX/XX/2023 again. I called today, XX/XX/2023, which should be opened, only to be closed after I got an email stating, once again, my documents were not received. This is the part where the company is to pay off the balances in full and reimburse me for the payments. I made payments in XXXX after XX/XX/2023. Their form has been completed with all requested information, The separation notice, the last 2 pay check stubs, my current XXXX payment ( not requested ), State unemployment proof of deposit via bank statement and proof of disbursement from the website, State unemployment bank card, State unemployment benefits received from the State website. Today, I get yet another email stating they have yet to receive my benefit form. I provided everything again today, including XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
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: Called spoke with customer service more than once Once I received returned money order via Synchrony Bank mailed XXXX payment and XXXX payment on the XXXX of this month. For some reason Synchrony Bank Pep Boys car care did not credit {$50.00} for XXXX. I was told they never received payment???? ( Lies ) after my own research and going back and forth with customer service Synchorny Bank gave me a late fee and reported false statements to the credit bureau. I later discovered they did receive payment and returned it to me without documenting my account??? 1 ) Fraud 2 ) Language Barrier 3 ) False reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I believe I have been harmed by illegal activity involving malicious software on my XXXX devices. I will be turning in the XXXX devices to the XXXX XXXX for an exchange. This has been an ongoing process since XX/XX/2022 in which I have been investigating on my own behalf. I am proceeding with the further steps to take action in this case. I would like to dispute all accounts with balances that have been deemed as Charge-Off Transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Because the account has been affected or spammed, access has been denied. I have had these accounts since XXXX and have documented federal tax returns thru XXXX. Approximately I had a total amount of XXXX deposited in Synchrony Bank. Most everything is done on line or by phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Online credit card companies are all asking to send a SMS or text message to pay their bills or even see their statements. I have tried the following companies : XXXX, Amazon, XXXX, and XXXX. I have tried calling each and also their tech support. I can not afford a mobile phone and neither can a lot of other people. They are unwilling to change their access. This is discrimatory!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56601
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting act XXXX account # 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting act XXXX account # 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A