Date Received: 2023-05-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Back in XX/XX/XXXX, some ahole stole my identity, and wiped me out of saving, and checking, and even contacted my job requesting a change of direct deposit.That 's how i caught it. I reported the ID theft to the FTC on XXXX It was recommended that I freeze my credit, Which happened on XX/XX/XXXX. As of XX/XX/XXXX, the credit bureaus unfroze my acct, without telling me. Synchrony has gone out of their way, to crush me financially. Part of the ID theft was in Paypal/Synchrony XXXX and XXXX XXXX. XXXX XXXX, quickly responded to the fraud alert and me contacting them to close the account. Paypal, however, has dragged their feet, has prevented me from paying my accounts, racking up huge fees, and interest, and now has closed all other Synchrony related accounts that I had. I get dozens of phone calls a day from them Paypal/Synchrony , where I'm just left of hold for hours with no resolution. I'm losing income due to them taking up all my time, when I should be working. Paypal tells me that I'm unable to prove who I am, on my own account, since someone changed the login info, password, and at some point phone number. Yet, they keep sending me the bills, harassing letters, and calls. They recently closed my Care Credit account which I rely on for medical and vet bills, which I pay religiously. As of XX/XX/XXXX, according to XXXX, and XXXX I am not in collections. I don't know what to do to resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was solicited at the cash register and advised by Sam 's Club Master Card, I was pre-approved for a Master Card after making an in-store purchase using another one of my other Master Cards, sometime around the end of XX/XX/XXXX and the beginning of XX/XX/2023. I received the Sam 's Club Master card and activated the card. I am a XXXX XXXX, during my first attempt to use the Sam 's Club Master Card via XXXX website to purchase a drone for commercial use, the card was declined. I called and went through the verification process. I was, cleared after verifying, I am the actual person making the online purchase. On XX/XX/2023, I used my Sam 's Club Master Card in the amount of {$200.00} and On XX/XX/2023 I used my Sam 's Club Master Card in the amount of {$280.00}. On Sunday XX/XX/2023, I made an attempt to use my Sam 's Master Card and my purchase was declined. I received an email advising me, " Synchrony Bank needs to validate your identity. '' I went through Synchrony Bank 's verification process, that included, scanning the front and back of my driver 's license, allowing Synchrony Bank to allow access to my cell phone and scan my face, imputing my information : Name, phone number including my social security number into their system via a link that was sent to my cell phone. After multiple verification attempts, I was advised by multiple representatives and a Supervisor, my information could not be verified and I would receive a letter in the mail advising me to provide additional information. Instead of receiving a letter in the mail, requesting additional information from me, I received a, " Digital Letter for your Sam 's Club Mastercard, '' email. Please see the letter attached to this complaint. " SYNCHRONY BANK Fraud Department, '' requested that I send the following to them via mail, hard copy : Per a recent phone conversation with you, we are writing to request additional information to confirm your identity and to protect against unauthorized use. Your account may be restricted from further use until we receive a copy of your valid driver 's license or government issued ID and one of the following documents : A copy of a current utility bill ( electric, water, natural gas or home telephone provider statement ) showing your current address ( For business accounts : Utility bill must include business name and address ) A copy of a bank statement showing your current address ( For business accounts : Statement must include business name and address ) A copy of a current rental agreement showing your current address OR a current mortgage document showing your current address ( For business accounts : Rental or Mortgage agreement must include business name and address ). I have been embarred and humiliated. Sam 's Club Mastercard/Synchrony Bank 's request seem sketchy and dishonest. I feel like I have been unfairly targeted and mistreated. Additionally, I currently have a Care Credit Mastercard with Synchrony Bank, I was approved to cover the expense for my pet 's XXXX not too long ago. I feel like this is an attempt for someone within Sam 's Club to access my personal identify information for their own personal gain. My mortgage company, utility bill, bank statement and another copy of my driver 's license information is irrelevant and not a need to know especially after I was solicited by Sam 's Club and Synchrony Bank and because I am already a card holder in good standing with Synchrony Bank. In fact, I recently made a payment on my Care Credit credit card with Synchrony Bank last week. I will not be providing my mortgage documentation, utility bill, driver 's license and bank statement to Sam 's Club and Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
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 had a care credit account issue by Synchrony Bank. My account has been paid off and closed for quite awhile now. It appears that care credit has been reporting a delinquent account to all 3 credit agencies. I have reached out to them last year regarding this issue and let them know that I do NOT have another account. They did confirm that it appeared my name was attached to someone else 's account. I did report this as fraud and they were to remove this. I believe this was done but then placed back on to all 3 bureaus. I have reported this as identity theft and this company won't correct this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank closed my Paypal credit card account, stating that my credit score has dropped. I monitor my credit closely and it hasn't dropped recently. I have not missed a payment in my entire adult life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I was been introduced the carecredit ( synchrony financial ) at the XXXX laser XXXX office, they said is easy to prove, no interest, .hassle free. So I opened the account borrowed {$4000.00} at XX/XX/2020, set up automatic payments which is they required a round $ 120 monthly online. Today i checked my account balance is {$3500.00}, after 3 years automatic payment, i paid them more than {$4200.00} already. i notice that they changed me more than {$2000.00} interes at XXXX, and after that 26 % interest every month around {$85.00}. Such a scam! You never get pay off, debt never going down. I Never received any email or text about the interest charges, or anything about promotional ended .... I been told interest freeat first time, and i followed the payment introduction all the time. Such terrible system, try to confused the customers, and stolen the money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. [ XX/XX/2021, XXXX XXXX XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My sams club credit card is suspended to pay 5 % back on gas purchases. I have been issued over XXXX $ since XX/XX/2022. But they are telling me I cant have it to spend!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72601
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
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 mailed a dispute letter for this account on XX/XX/XXXX stating that the charged for this account from XXXX 's XXXX was not accurate. In that letter, I explained that I ordered a sofa that was not delivered and was charged for on XXXX XXXX. I also asked for the signed delivery receipt to ensure it was delivered to the correct address as I did not sign for it. Please review the letter sent. this was also disputed with the credit bureaus as it now reports as a late or past due payment. XX/XX/XXXX As per the previous message, we have made it passed the 60 days to allow time for your organization to review the disputed information. To date, I have not received any results or updates via email, mail, or direct message showing the requested verification of the purchase and delivery. At this time, my account is reflecting as past due and is accruing late charges. If the results of the investigation were mailed, please provide the tracking number and information so I may validate the arrival of the results within the proper time frame. If the proper method of verification has not been completed as requested in the previous message chain, my request is to have this dispute closed as it is beyond the time legal frame for completion of an investigation, and I would request that the balance be reflected as XXXX, with no known knowledge, and it should be removed from my account and from the credit bureaus. As of this date, there are no late payment reflections on my account, and I would like to keep it that way as I have been more than cooperative in handling this dispute in a timely and proactive manner. Thanks, XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: They are preventing me from adding my bank account to make payments. All of this has been ongoing for the past 2 months or so. I previously used the same account for many months to make payments, but at one point I accidentally double payed and rather than carrying a negative balance on the card I opted to cancel the payment from the side of my bank. As soon as the transaction was rejected, I was no longer able to use that bank account at all. I've called them multiple times and have tried numerous things but nothing they propose ever works, and they eventually started blaming my bank. However- I know the bank is fine because when I call them and ask them to charge the bank they have been able to do so, even after it was blocked on their end in the website UI. I opened a new bank account in order to try and get around this but am having trouble with that bank account, and likely I will end up being charged late fees because of the credit card companies refusing to take my payment. I also setup a new account with my original bank account which worked for one payment, but I got a bonus from work and after transfering that out to XXXX apparently my bank blocked all outgoing payments because it was so large/I hit some limit for the month. This caused another payment to be canceled on the new account and now that one is blocked by by my credit card also. I want to highlight that I have spent hours across several support calls and my own debugging to try and resolve this issue. The company has been completely unwilling to do anything, and to an extent does not seem to even acknowledge this as a problem. This is the Amazon Store Card from Synchrony.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name + Account Number Late payment reported on ( Month/Year ). Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A