Date Received: 2023-05-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I had a XXXX XXXX credit card. Synchrony bank closed it without any notice. I have several cards with Synchrony, and I am seeing the trends that they wants to manipulate the credit score to a lower number so that Synchrony can get higher interest possible. By closing the XXXX XXXX card they impacted my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello there, a person applied for credit cards using my information and I ended up getting XXXX inquiries yet I didnt apply for these. This person applied to XXXX different banks within a short period of time. I called all the banks already though this didnt help as much. XXXX told me this was my other solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: They never sent me the email with my bill for XX/XX/XXXX. Never sent a reminder or a " your late '' notice. Added a late charge and interest on the XX/XX/XXXX bill. I " chatted '' with them and they agreed to remove the late fee but not the interest. I refuse to pay interest because I did nothing wrong. Late fees and interest are adding up. They caused my credit score to go from XXXX to XXXX. I want them to stop charging me interest and late fees and I want my credit score put back to where it was. I've checked and there are/were no emails from them in the month of XXXX. The are committing fraud. I have contacted them in writing to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I submitted a complaint about this company on XX/XX/XXXX about a returned payment fee I was charged for no valid explanation. Please see complaint number XXXX. The company due to this complaint and " in good faith '', refunded the {$30.00} I was charged as a courtesy and decided to close my credit card entirely. I had that card in good standing since XXXX. Never a late payment or a returned payment or any credit issues that could lead them to close my account. This proves the fact that consumers have no rights and, if we complaint, this is what we get. Forget about all those years being a loyal customer for what. If you complaint and say something about your rights, you are a liability to them and you get eliminated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 1. It is Synchrony Bank. 2. on XX/XX/2023, Synchrony Bank put a restriction on my saving account and money market account and the reason is to review an activity on the account. I called them and they told my that they want to make sure there is no suspicious activity. It already went through first review and now it is under second review and this could take up to 30 days. The whole thing XXXX XXXXXXXX since there is no suspicious activity on the account and they told me that the " back office '' is reviewing this and the back office does not take phone call. They have done this to other customers in the past and I know why they do this : they hold on the money as much as possible to take advantage of people 's money so that they invest in those money. Here is a link to the same problem that other people had in the past : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please I need your help in resolving this problem as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been on vacation XXXX today XXXX and received information from XXXX app that a XXXX Bank for XXXX PayPal credit card account in the amount of {$700.00} was opened during that time period of my vacation ( went to XXXX XXXX XXXX and in XXXX, GA from XXXX and XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have an IRA account and a money market account at Synchrony Bank. In XXXX, Synchrony Bank ( SB ) made a mistake when they distributed my IRA RMD for that year and has refused to correct it. As a result of their mistake, my federal and Indiana income tax liability is {$430.00} more than it would have been had they distributed the amount that I requested. The details are as follows : On XXXX XX/XX/XXXX, in compliance with instructions from the IRA Department, I sent a letter and attached Request for Distribution form < XXXX XXXX to : Retirement Services, Synchrony Bank, XXXX XXXX XXXX, XXXX GA XXXX requesting that the bank amend my RMD distribution for XXXX as follows : Reduce FOR THIS YEAR ONLY the RMD from {$12000.00} to {$10000.00}. By way of these same documents, I also instructed them to distribute this reduced amount from my IRA CD account, withhold 10 % of this amount for federal income tax and 6 % for Indiana state income taxes, and to deposit the balance into my Synchrony Bank money market account on XX/XX/XXXX. I telephoned Synchrony Bank about 2 weeks later and received confirmation that they had received my request and would comply with it. However that did not happen. The last statement of the year, XXXX XXXX XXXX, shows that the amended amounts of distribution and withholdings were withdrawn from my IRA CD account on XX/XX/XXXX just as I requested. But then, for some reason that I can not understand, they were deposited right back into that account, and on that same day the larger amount -- without IN state withholding -- was distributed from another of my IRA CD accounts and reported to the IRS on that years XXXX < XXXX >. I did not discover this error until my son arrived on XX/XX/XXXX to help me with my income taxes. Over the course of the following 6 weeks, we made many phone calls to the Synchrony Bank IRA department without ever getting them to explain this error and correct it. Fed up with getting nowhere by telephone, between XXXX and XXXX XX/XX/XXXX my son and I corresponded with Synchrony Bank by logging into their website and using SBs secure messaging option to request that they correct their mistake by transferring {$2100.00} from my money market account back into my IRA CD and issuing a corrected 1099-R with the reduced distribution amount. XXXX XXXX XXXX XXXX refused to do this claiming that I had agreed to this transaction during a phone conversation on XXXX XX/XX/XXXX, 5 days after they had already transferred the wrong distribution. On XXXX XX/XX/XXXX, I requested that they send me a letter by USPS first class mail describing how this happened and including the transcript of the phone conversation and other documents they cited as their reason for doing so. On XXXX XX/XX/XXXX, SB told me that they would not take this request for a letter by email and requested that I telephone their IRA department supervisor. I telephoned SB on XXXX XXXX, XXXX XXXX and XXXX XXXX and was never allowed to speak with a supervisor about this problem. On XX/XX/XXXX, an SB IRA representative told me that she would confer with SB executives about this problem and get back with me. That has never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46530
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've had a PayPal Credit account for many years. Previously you have been able to use your account settings to choose how your payments were allocated ( ie. where the money was to be put towards first on your account ). This is important for when you have made special financing purchases ( purchases such as no interest if paid off in 12 months ). If the payments are simply put toward the overall balance then the special financing purchases may not be first to receive funds, thus allowing them to go past the date for their financing and adding substantial additional interest to a consumer 's account. I often used to change this when I made payments as I would put larger purchases on my PayPal credit with financing which allowed for payment over an extended period of time ( 6,12, 24 months ). When you went to the settings on PayPal 's site not only could you select which option you wanted on your account, but there was also an explanation of what each option meant to the financial future for your account. However, that seems to have changed. Recently, I made a special financing purchase, but noticed after making my monthly payment to PayPal credit that the amount due on this purchase didn't go down. I looked to find the settings which I have described for allocating payments and found they are no longer available on PayPal 's site. Frustrated by this, I contacted their support via live chat and discussed the matter with a representative who informed me that she would be happy to " adjust your payment today ''. I told her I didn't make a payment, but rather wanted to adjust the settings on my account so that payments were put toward the special financing first going forward. She then told me that this is no longer an option. That we to make a payment and then contact PayPal to have the money allocated how we want. This is a bit ridiculous! Something such as how our money is put toward out account should be easily determined with settings that consumers can manage. We should not have to take multiple steps to make sure that payments will be allocated in the best manner for our financial needs with EVERY payment. I have an accounting degree, so I am aware of something like this and asked the right questions to find out this information. However, other consumers may not, and will likely believe that they are paying off a special financing purchase only to be charged with a pile of interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Mattress Firm / Synchrony Home : I returned a mattress within the timeframe of the terms. The action happened in XX/XX/XXXX. The Mattress Firm associate told me a credit would happen, and I should request a refund. The amount is {$2200.00} In XX/XX/XXXX, I formally requested my money refunded and was given a timeframe to receive a check. The check did not come. I made another attempt in XXXX of XXXX. I was given the same timeframe to receive my refund. The money never came. My first XXXX times reaching out were on the Synchrony app and when I interacted with an associate. In XXXX of XXXX, I made a call, was put on hold, and then hung up as I waited. I made a second call ( I am currently on the call as I am making the report ). The over-the-phone associate told me a check would be provided, which would take 7 to 15 days. I said that it was unacceptable and I should have the check expedited without fees on my side. The associate ( XXXX ) that responded was not able to assist me. I requested a manager who could help. I am currently on hold for an hour and three full phone-holding songs. I added a screen grab of my phone with the phone number called. It is the date of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had a TJX rewards credit card for several years. I closed the account I had a certificate balance which was revoked In violation of their disclosure. It is published and understood that points earned toward certificates would be lost but I was told that I would retain my certificates. The value is about {$220.00}. I have tried to resolve this with the company to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A