Date Received: 2023-05-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: It's sad and pathetic that Consumers have to now pay to have our credit LOCKED due to agencies andvthe Fair Crefit Act allowing XXXX Companies like Synchrony Bank to pull your credit whenever they want to. I have to now start over saving for my dream home because i lost nearly everything and have had to rebuild my Life after the Identity Theft. This is now the second time Synchrony Bank have pulled my credit without my CONSENT. I paid my Care Credit Card off in XX/XX/XXXX. Synchrony Bank closed the card in XX/XX/XXXX after they checked my credit for the second time without my CONSENT then sent me a letter AFTER THE FACT. A Consumer 's credit should ONLY be pulled if the customer request a credit limit increase or something else and they're made AWARE of it NOT after the fact then you send the customer a letter AFTER THE FACT you already had checked their credit ahead of time. I NEVER requested a credit limit increase and i usually don't with any Company especially after i seen how shady Synchrony Bank Truly is and how they Penalize customers for being a victim of identity theft, paying your account off and on time, and for not using your card unless you have to. We all may have made mistakes in our Lives with our credit but some of us like myself learned from my mistakes and now i take even more PRIDE in having good credit. Agencies like the CFPB and many others allow Companies like this to get away with anything and do nothing to protect the CONSUMERS. XXXX, XXXX, and XXXX are 3 Credit Bureaus that also need to be invedtigated for helping Companies like Synchrony Bank ruin your credit that you work hard to keep in good standing. On Saturday XXXX i received a letter from Synchrony Bank which i included a screenshot of in this complaint telling me they closed my Care Credit Card account. I paid off my card in XX/XX/XXXX. I've NEVER requested any credit limit increase i only paid the bill once they Prnalized me for being a VICTIM. I ONLY got the card to pay for Medical Needs if my insurance didn't cover something. In XXXX i lost just about everything due to unforseen circumstances that i had no control over and i've had to start all over. I also in XXXX was a victim of Identity Theft. Synchrony Bank then Penalized me for being a victim when i told them i was a victim of IDENTITY THEFT. Instead of working with me like other Companies Synchrony Bank Penalized me by lowering my credit limit on my Care Credit Card from {$970.00} to {$230.00}. The credit limit was so low that i couldn't even pay for the part of my important medical procedure that my insurance didn't cover. Yet Synchrony Bank didn't give one XXXX about my XXXX and a much needed procedure that i couldn't pay the other balance for. One of their agents even laughed on the phone in XXXX when i called and thought it was funny that i was about homeless with my kids. HOW DARE THIS COMPANY!!!!!! Companies do whatever they want to Consumers because agencies like the Consumer Protection Bureau and other agencies like the XXXX, the FTC, Etc. can care less what these agencies do to us the Consumers. The CFPB and other agencies are simply paid off to make these complaints go away. Companies shouldn't be allowed to simply close an account even if you aren't running up the card nor should they be allowed to check your credit whenever they want to unless you request a credit limit increase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
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: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I was notified by Synchrony Bank that my suspicious transactions in XXXX and XXXX were made on my Venmo credit card. At that point, I had not even activated my physical credit card. The obvious problem is my virtual card number was stolen. They notified me of the fraudulent charges and told me that I would not be responsible for those charges. I was also told that I would not be charged late fees and I would be temporarily issued a credit for the disputed amount. Recently I noticed that Synchrony Bank charged me a late fee of {$30.00}. They sent a notification for missing payment. I was surprised because I haven't even used this credit card. I was not expecting any charges on it. Upon further inspection, Synchrony Bank did not issue a temporary credit for the disputed amounts. They did not do what they told me they would do in the letter. I was told that I am not responsible for the charges on my Venmo Credit Card because they are fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08520
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: 2023-05-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company closed my Amazon store card account abruptly, without warning, after I've been a customer in good standing for 10+ years. I spend about $ XXXX annually and pay off my balance every month. XXXX??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67203
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: In the past two months I have made attempts calling Lowes Credit card to pay my credit card in full. I have not used the online banking until today. I always called the credit card phone number and I have been serviced by representatives ( In the XXXX ) and requested my payoff amount to be surprised later that i still have a balance. The last phone call was around XX/XX/2023 when they assured me that my payment of {$700.00} was the total payoff on my account. However I opened the online banking today ( for the first time since I don't have the time and patience to go online ) to print my statement that should have shown a XXXX balance to find to my surprise that there is a charge still left on my account. This complete ineptitude, or outright ill intent or malpractice on the part of Lowes credit card is costing me a lot because I am applying for a mortgage and I must have a XXXX balance on my account. This is a major problem for me that will cost me to delay my mortgage approval and eventually cost me more since interest rates are going up shortly. This is not a way to treat a customer. What are they teaching the representatives, not to provide the real pay off so that they can still rip off customers charging them interest rates?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( syncb/pc Richard XXXX XXXX XXXX ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 15 U.S.C 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: XX/XX/2023 I joined creditassociates to help with my debt. XX/XX/2023 XXXX XXXX Venmo ) contacted me and I told them I couldn't pay that I was working g with a company to take care of debt. I asked if the call was recorded and they said yes. I asked them to only contact me by mail and not to call. Today I got another call from them. I told them I was working with someone to get things taken care of and not to call that they needed to contact me by mail. She then stated no one has contacted them since the last time they called me. I said I never talked to you. She said we talked to you on the XXXX of this month. I then stated then you should have not called me because I have already told you not to. I later got a notice through email that they changed my phone number on my venmo account...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Fraud charges appeared on XX/XX/27 statement - reported - paid legit charges every month Stmt XX/XX/27 - Stmt Balance XXXX Fraud - XXXX Paid XXXX legit charges XX/XX/27 - Legit charges XXXX original fraud XXXX Fraud removed - XXXX Interest Charged XXXX Stmt Balance XXXX paid legit XXXX XX/XX/27 - Legit charges XXXX Fraud balance XXXX Prev Interest XXXX New Interest XXXX Stmt Balance XXXX Paid legit XXXX XX/XX/27 Legit charges XXXX Prev Interest XXXX Prev interest XXXX New Interest XXXX Stmt Balance XXXX Paid FULL Bal XXXX - to stop the illegal interest charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38138
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am writing the letter on behalf of my amazon account being closed by Synchrony bank. I had never had a problem with Synchrony bank payments for 3 years until now. I even made large payments. After opening a new account with XXXX XXXX and setup online payments that's when i started having problems with paying my amazon account. And i was not aware that they would closed my account after two fell payments. I called in to Synchrony bank and spoke to a account manager, I explained the situation to the first account manager, she gave me credit and i guest she tried to fix the problem. but didn't. I called back in again and spoke to XXXX, about my account being closed and she did not put no complaint in. After acknowledging that she did not do anything. I called back in and spoke to XXXXaccount manager. He actually put in a claim. that when i called back in to check the results, Synchrony staff member claimed they deny opening my account. I had to provide my account to them to see if they were using the same account, and they wasn't. When i provided them with the correct account number, my payment went thru for {$550.00} paid on XX/XX/2023. my argument is they closed my account and i don't understand why they closed my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In-store merchant offered purchase incentive with 2-year no interest credit card. Synchrony Sport was the credit card provider. This was the only time this credit card was ever used. Automatic monthly payment was set-up, however the monthly payment drawn was the minimum amount, not the amount necessary to payoff principal in 24 months. Since there was no monthly activity the monthly statements were not opened. Footnote in their statement was the only form of communication to alert me the promotion period was expiring. No mail, no email, no courtesy phone call. Synchrony then billed me at 29.99 % interest retroactively for the prior two years. The only came to my attention when I finally received and email invoice for the past due amount many months later. I have since paid off the entire principal balance, but now still being charged interest on unpaid, unacceptable and disputed interest charges. I have contacted Synchrony several times by phone and by mail to settle this, but been denied each time. Their conduct is egregious, non-transparent and predatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX of XXXX I co-signed a car loan for my daughter. I had no co-signed for anyone in my life and was unaware of the processI had 2 different credit cards with Synchrony Bank. I had a XXXX XXXX XXXX Credit card from them with a {$2500.00} credit line and a Synchrony Car Care credit card also with a {$2500.00} credit line paid both on time never once a late payment .Once that car mess ( which is being reviewed by the attorney generals office in XXXX right now for other underhanded dealings ) hit my credit reports they immediately closed both my accounts with out notice no call no letter at all. When I called them to ask them why they shut my accounts down they said your overextended you just bought yourself a new car I said are you kidding me never a late payment and you just shut both cards down without asking me what happened, nothing? They said yup thats it have a nice day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01851
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A