Date Received: 2023-05-12
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I saw that CFPB is focusing on people with medical credit cards being taken advantage of. I feel I am one of these people. I have never been late nor am I having any trouble making my payments. One reason I feel Syncb/Care Credit is the worse. I have been paying this payment on time every month yet they are reporting on my XXXX credit file as being 110 % usage. Which is damaging my credit score. I have attached part of my credit report so it is evident I am upholding my part yet they hit me with such an interest rate it took me over the limit after the grace period. I feel like this is a sneaky business practice and you would need to pay off this loan before the end of the grace period, which they do not explain or address. I even paid a lump to get under the limit but the interest is so high it didn't move the needle hardly at all. At the very least medical credit cards should not have a usage. My procedure was semi voluntary, however ; many people use medical cards and loans for procedures they must have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed a fraudulent dispute that was made on my card for {$10000.00}. I submitted all the required documents to the bank. Without sending me a letter confirming the resolution or at least showing me the result of their investigation, the bank put back the charge to my account and made me responsible for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
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 credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2022, there were fraudulent charges made on my XXXX XXXX XXXX with Synchrony Bank. I opened a claim immediately. I have attached a photo from a XX/XX/2022 statement to show I had not used the credit card prior to these charges. After almost 60 days my claim was denied. I called to open a new case when I saw the fraudulent charges on my card again and to close the credit card. For months, I was led on to believe by the company that I had opened a new case. I called several times and the XXXX XXXX credit card number/fraud department confirmed that the case was still pending and that it would take an additional 60 days. On XXXX, I saw that my XXXX XXXX XXXX had gone down XXXX points because of the fraudulent charges. When I called the fraud department told me that there was no open case and after going over details telling me the denial was the last action taken, they reopened the case. My case was approved in XXXX after I sent a letter of intent to open a claim and file legal charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92805
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: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have had an income protection plan in place for the last 6 plus years that is supposed to guard against loss of employment - no fault - or XXXX. I meet both of these sets of criteria as of XX/XX/XXXX. I was medically separated, involuntarily removed from my position in XX/XX/XXXX. Since then, XXXX has found me XXXX with an onset date of XX/XX/XXXX as well. Unfortunately, I was unaware that I had signed up for this protection but after looking over a recent statement found out it we were paying for it. After looking at our past statements, the protection has been in place for over 6 years. On XX/XX/XXXX, I went to file a claim now knowing I have this benefit. I was told I don't qualify because I didn't file within one year of being medically separated, or within 1 year of being XXXX. My situation has not changed. I am still XXXX, I am still separated from my position. I have paid over {$2800.00} for this benefit only to be told there's nothing that can be done. They will not backdate a year from the present day, they will not take my current situation into account. I have paid for this benefit. I am hoping that more government oversight or regulation will keep companies like XXXX and their Synchrony bank card from taking advantage of customers. This is not an ethical practice in any sense, it's simply a money making scheme at the expense of the consumer pure and simple.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a XXXX Credit Card from Synchrony Bank. Am under the promotion of 0 % for XX/XX/24 months for some of my projects that would add upto over $ XXXX or around.since around XXXX XXXX Meanwhile, I also purchase from XXXX regularly products using this credit card with 5 % discounts. Since I do not like to be in debt, I keep overpaying by 'thousands ' than my regular minimum payment on the 0 % promotion AND also assuming that this payment would be applied towards my regular purchases. This FRAUDULENT bank charges me for late fees and interest fees saying those payment are for the promotion and NOT regular purchases. Since, I know this is Fraudulent activity by the Bank, am able to fight it out get the Interest/Fees waived off. But, am sure this bank is charging such fees to other customers and duping them with this fraud activity. This should NOT have happened to me and I shouldn't be fighting for an interest/late fees that I should not be paying in first case as am overpaying by thousands, not even hundreds. Every Bank that you overpay, first applies that amount towards regular charges and then promotions that has 0 % but this Synchrony bank is conducting malpractice to dupe it's customer and indirectly XXXX customers. Please conduct an investigation on this Bank and you may discover more such malpractices
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Entered into agreement to purchase hearing aids for my husband. At time of purchase I was offered interest free for 1yr. First payment was in the amount of {$100.00}. I paid {$150.00} for the next 11months. Those dates were from XX/XX/XXXX to XX/XX/XXXX. Total amt pd at this point was {$1600.00}. I then sent them on XX/XX/XXXX another {$150.00}, I sent another {$150.00} XX/XX/XXXX, I then called to get the final payment amt. to close this acct. I was informed that I needed to pay {$540.00} for bk interest as the free interest was only offered for 11 m.I immediately over the phone gave them my debit card to pay the {$540.00} to satisfy this loan. 13 months later I am receiving a bill in the amt of {$100.00}. I have sent letters, I have called them numerous times. At this time my original contract was in the amt of {$2000.00}. As of this writing I have pd Synchrony Bank formerly known as Allegro Credit {$2400.00}. As of this writing I feel they owe me {$400.00}. They have been harassing me by phone at least by 57 calls. I have written to them only to receive nothing in return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/2023 at XXXX, I got an email saying " Welcome to XXXX! '' - Around the same time, I got another email stating a hard hit inquiry was detected on my credit by my identity theft protection " XXXXXXXX XXXX ''. On XX/XX/2023 at XXXX, I found out the contact information for " XXXX '', called to ask about the inquiry, and they directed me to their bank " Synchrony Bank ''. I was told that an application was filled out in my name I told them to cancel the application and was directed to Synchrony 's fraud department where I gave them further information. I am in the middle of filling out an investigation kit throught my identity theft protection " XXXXXXXX XXXX ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/XXXX I made a purchase at Ashleys furniture store. I was originally told that I was approved for three years interest free. Because the original purchase did not result what we wanted as the furniture was not all wood, we returned that furniture and got another set that was more expensive. The total amount was {$3100.00}. I was not aware that the difference in cost was put in another plan. The other plan was a 24 month deferred interest for amount of {$1200.00}. The total minimum payment was {$84.00} for the full amount owed. I set up automatic payments of {$100.00} per month with the idea that I would have the account paid off in 32 months. In XX/XX/XXXX, the deferred interest for the {$1200.00} was added and now I am paying for monthly interest as well. I should have paid off this account on XX/XX/XXXX. Not given the option of distribution of payment for these two plans has made it difficult to pay off the account and it is frustrating because it should be paid off if they would have kept all of the balance on the original 3 year interest free plan. The distribution of payment should have been 23 payments to the deferred plan of XXXX and one payment of {$51.00}. For the three year interest free portion of {$1900.00} the payments should be ( {$48.00} x XXXX ) + XXXX XXXX leaving a balance of {$760.00} that would be paid off in 8 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88007
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: We had a sychrony store card ( Mattress Firm ) since XXXX, never missed a payment, never late on a payment. They reported XX/XX/XXXX late payment even though the due date has not even arrived yet and then they closed my account. Them closing my account dropped my score XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On Monday, XX/XX/2023 I received a letter from PayPal saying they were denying " me '' some kind of credit card because they were not able to prove my identity. On Wednesday, XX/XX/2023, I received said credit card. I have not used PayPal for about 10 years and I did not apply for any such card. I called the Paypal Mastercard customer service number ( XXXX ) and was transferred to their Solution Dept. I explained to them how I received the first letter in warning and then received the actual credit card and how I was not the only to apply for it. I asked them to closed the credit card and the PayPal account all together. They said it was done and that I would get a letter in the mail explaining that my account has been closed. I asked them if they could tell me how someone could just ask for a card with my info and if they could trace it back somehow and they said they could not. I don't understand how they sent me a letter saying they could not identify " me '' and then still send out a card!! I was lucky it even came to my home and not to the place whoever initially applied for it!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A