Date Received: 2023-05-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Synchrony Bank has been unable to produce my XXXX Statement for my High Yield Savings Account. The statement was mean to be produced on XX/XX/XXXX. It is not available online. After repeated calls to Synchrony, I was told an IT problem was impacting statements since XX/XX/XXXX. I am in the process of getting a mortgage and my inability to secure my statements in adversely impacting my ability to secure a mortgage. Synchrony has refused my request to produce a statement for me ; they refused to provide me with a formal statement about the account errors that I can submit to my lender ; they refused my request to release a public statement about the ongoing errors ; and they refused to provide me with a timeframe for when I would be able to access my XXXX bank statement. This is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a PayPal credit account on XX/XX/XXXX. I received a denial from Synchrony Bank dated XX/XX/XXXX, reason for denial : PayPal Credit Account not paid as agreed. On XX/XX/XXXX, I mailed a priority letter to Synchrony requesting the account not paid as agreed. I have attached letter from Synchrony a bank dated XX/XX/XXXX, my letter dated XX/XX/XXXX, copy of USPS mailing. I am again requesting the PayPal account from Synchrony. I have attached copies of my letter dated XX/XX/XXXX and USPS confirmation showing letter was delivered and picked up on XX/XX/XXXX. Thank you for any assistance you can provide in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I just noticed an account from synchrony Bank from XX/XX/2019 this is identity theft fraud I need this removed from my consumer report IMMEDIATELY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX XXXX was for synchrony bank XXXX acct
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: XXXX I was paying XXXX a month until XX/XX/XXXX they stop taking the payment XXXX XXXX Have put me in collection with 2 accounts!! How can they do that if this company is illegal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: my name and address wrong
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act, I have had my rights. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CITI BANK 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank closed my account that I opened XX/XX/2021 with a credit line of {$1800.00}. I had a promotional term of 4 years to pay off my balance and they closed my account with a balance of {$190.00}. No explanation and when I called the company they kept transferring me and hanging up on me. Now I call and no one even picks up the phone. This is the second account they close on me without explanation, I had had my other account for 4 years without an issue. They did the same to my wife with her account as soon as she paid it off a few years back This is a pattern with this bank and they do not seem to care that this very negatively impacts the credit score of people. I am in the middle of purchasing a house, this has tanked my score and now my purchase is jeopardized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been a customer with this company for over 10 years and during that time, have enjoyed our experience with the company they partnered with Chevron with XXXX visa credit card greatly. Due to your terms and conditions that are not correctly stated, I have had a few returned payments in XXXX of this year.. Since that time I have been an exceptional customer paying every month on time and never 30 days late and never had a returned check/payment. I would like them to consider reopening the credit card. At the time of the reversed payments, I used the " one time '' payment method online rather than adding the account number under " bank information '' - The one time payment did not always recognize the account number and only did if I added the XXXX XXXX XXXX in front of the account number, for example, my account number on my checks is " XXXX ''. All those payments I would pay this way would be returned. After realizing this I added the bank account under " banking information '' no problem and those payments did not get reversed. This is the only card my family uses to get gas. - I was told I could re apply, but sadly it was an instant denial. I say this not to justify why the payments were reversed, but rather to show that the reversed payments are not a good indicator of my actual credit worthiness. I hope that Synchrony bank is willing to work with us on re-opening this account also due to the fact nothing about if there are 2 more more returned payments the account will be closed in Synchrony terms in conditions. I have been a very happy customer in the past. I hope to continue a long relationship with Synchrony with today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.I hope that they will deeply consider this request and prove once again why Synchrony is above the rest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX, XXXX, I went to Lowes store XXXX to pay my credit card bill in full. I was instructed by the customer service counter to go to one of the checkout registers and make payment there. I handed my bill and check XXXX XXXX written in the amount of {$1100.00} to the cashier to process the payment. After the payment was processed and I was handed the receipt, I saw that she ran the payment for {$180.00}. A manager was then involved and he informed me that I would need to write another check for the {$1000.00}. I did so with check # XXXX. The payment was processed and I was given my receipt. I monitored my checking account and found that both checks were processed by my bank for the amounts as written on the checks for a total of {$2100.00}. Synchrony was over paid {$1000.00}. I contacted Synchrony on after finding that discrepancy in payment. I was informed to provide with a copy of the canceled checks and other pertinent information by faxing to XXXX. I did so on XXXX XXXX, XXXX and provided the following documentation : 1. Lowes/Synchrony Bank bill 2. Front and back of check number XXXX 3. Receipt for check number XXXX XXXX. Front and back of check number XXXX XXXX. Receipt for check number XXXX XXXX. Synchrony Bank letter XXXX XXXX. Synchrony Bank letter XXXX XXXX. Synchrony Bank letter XXXX I was also informed that the process will take 60 days. I received a letter dated XXXX XXXX, XXXX from Synchrony stating their records indicate {$1000.00} was applied on XX/XX/XXXX and {$1100.00} was applied on XX/XX/XXXX to my account. I received my XX/XX/XXXX credit card statement showing a XXXX balance. Where is my {$1000.00}. It disappeared. And it was not given back to me. I contacted Synchrony again in XX/XX/XXXX. Can not remember the exact date. The basic conversation was there is a XXXX balance and we closed the case. No refund due me. In speaking with customer service agent, she identified the issue and realized I was owed {$1000.00} due to an overpayment. She began a new case for the department that handles such issues. Resolution in 60 days. I received a check dated XXXX XXXX, XXXX in the amount of {$1000.00}. I deposited the check on XXXX XXXX XXXX. During this entire process, I have not made want charge to my credit account. Therefore, there is nothing to muddy the waters with regards to my account. The only thing muddying the waters is Synchrony. I received my XX/XX/XXXX statement and it showed that I owed {$1000.00}. I contacted Synchrony again on XX/XX/XXXX. Spoke with the customer service rep. She recognized the error by Synchrony. Informed me that I would not be responsible for any payment and she would submit the error to the secretive resolution department. I received the XX/XX/XXXX statement, and it shows I owe {$1000.00}. I contacted Synchrony on XX/XX/XXXX. Informed the customer service rep of the error. She informed me that she will be opening another case, and this time I need to submit my bank account statement that shows the {$1100.00} and {$1000.00} was taken out of my checking account in XXXX XXXX. I am at an extreme level of frustration. I have contacted Synchrony several times regarding the issue with no resolution. And the department that handles resolutions, evidently has no phone number or staff members names that can be provided to customers. Only a fax number. I pray that you can help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A