Date Received: 2023-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have made multiple attempts to have this removed from credit card. This debt is medical debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Check was sent to cover entire bill was cashed and yet still reporting on my credit report. They received more than the entire bill. Nothing but problems trying to get more money from my checking account when its more than enough to clear a. Punt ac or ding to their document. I had to get my bank to not allow them to continue taking money when they have been paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted PayPal/Sychrony bank about an unlawful credit pull/purchase. I have never signed up for a buy now, pay here service or mail a purchase through this account. I have spoken with both and would like to rectify this issue and fix the credit hard it has caused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, I had set up an automatic payment account through my bank account for my crate and barrell/syncb credit card. I had the card to make a one time purchase and had set my bank account to pay the minimum. An error had occurred with my bank account which caused the automatic payments to stop but I hadn't received any collection calls from crate and barrell and assumed that the statements were current given the automatic payments. Also I had moved and was not receiving the statements to my new house. I realized this was happening in XXXX when I received a notice of judgment from a collection agency. The account had over {$600.00} in late fees. I paid the amount on the collection notice in full at {$1700.00} on XX/XX/2022. Then I received an additional notice which said I owed an additional {$79.00} which I paid the day I received it on XX/XX/2022. According to statements that payment ( which was entirely late fees ) was one day late and was charged another {$40.00} on top of that. Since then the account has been accruing interest on that let fee ( the monthly late charged stopped after the last {$79.00} was received ) and is now up to {$70.00} again. Again I have only been able to get information from the collection agency as I was very confused as to why I still had a balance. After reading that they should not have let the original late fees pile up to the {$600.00} amount, not only would I like the balance reimbursed and made {$0.00} but I would like reimbursment from some of the interest I had paid, Could you please request this from the creditor?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I obtained a credit card from XXXX XXXX via Synchrony Bank. At No Time was I told I had a Specific Time to pay off the debt or I would have a Balloon Payment. I made a XXXX dollar payment onXXXX on a balance of XXXX dollars. That should have given me a XXXX dollar balance. With an interest rate of 29.99 %, that is XXXX dollar charge! I just received the bill for XX/XX/2023 and they are charging me a XXXX interest charge. I called and talked to a representative ( XXXX ) and he says it was part of the deal. At no time during my visit to XXXX XXXX was I informed by the salesman OR the credit representative. I would have Never agreed to it and I would have just used one of my established credit cards. They were very sneaky in getting me to acquire their card. I just made a XXXX payment and that is All they should expect and then cancel my business with them. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Signed up for a XXXX XXXX credit line. It is through Synchrony bank. Used it for a {$1000.00} transaction with no issues. This evening, I tried to use it through the XXXXXXXX XXXX app and received a text from " XXXX '' stating I needed to verify my identity, and if I press 1 a person would call me. I received a call and the person stated that in order to verify my information, I would need to verify a code in an email he would send me. I then received an email from XXXX, which I understand is legitimate. He said to validate my identity I would need to click a link in a text he was sending me. I then got a text from XXXX, with a link to XXXX XXXX XXXX XXXX XXXX XXXX On this page, I was guided through an invasive identity verification that included uploading a front and back picture of my driver 's license, as well as a 5 second video of my face. Again, horribly invasive. That's not my complaint, though. After it turned out that they didn't need that information, they wouldn't or couldn't provide me and kind of verification that the pictures of my I.D . would be purged from their system. I spoke to two separate " supervisors '' regarding this. The first one said he would submit the inquiry to his I.T. but then hung up when I asked for the ticket number, and the second, XXXX XXXX extension XXXX ) stated that they were unable to create tickets, and had no avenue by which to discover the information was purged. She was also unable to provide the ticket number identifying the particular call we were on, and simply said " We don't make tickets ''. To me, this is a gross and negligent mishandling of customer PII. XXXX tracking? Unnecessary requests for personal data? Offering XXXX assistance in validating this data was purged? The upload completed. They received the pictures. I'm cleared for FTC. I understand the weight put upon protecting XXXX. Please investigate this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24153
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I made a purchase with XXXX using Synchrony credit approx XXXX. Upon the first payment, my husband attempted to make the first payment but it was rejected/refund back to his account after a few days being processed. We assumed that it was being rejected due to the account being in my name but the payment info being in his name. I then made the first payment through my account using the synchrony website. My payment was also taken but then refunded back to my accounts a few days later. I went back in and attempted to make another a payment. Same thing again entering a second time through synchrony website. To avoid a late fee on my first payment, I contacted Synchrony approximately XX/XX/XXXX and spoke with a representative letting them know I was trying to make payments but are payments kept being refunded back within a few days of posting. I then made my first initial payment with that representative over the phone. Going forward, knowing that my bank nor my husband 's bank wasn't working well with the synchrony website, I have been using my XXXX online banking to send payments and have been outstanding ever since. As of today, XX/XX/XXXX, received a letter on XX/XX/XXXX stating that my account is being closed due to a dishonor of payments. I've been outstanding on this account and very commutative when I did face a problem. I've been told by an account manager, XXXX, there is nothing synchrony can do to reopen once the account is closed. They said it needs to remain closed and they have to run my credit to reopen it. I feel that because I was on a 12 month plan with no interest, they closed and want me to pay them interest. I have not been dishonest and my account has been outstanding. They have documentations on record that I've been in communication with them at the very beginning of this problem. I have no other debts other than my day-to-day living expenses. I've been way ahead of schedule to pay synchrony. Paying more than what the minimum requirement. I understand closing an account for others but I'm not one of them that should have been closed. There is a glitch using synchrony XXXX XXXX payments on their site and when I found out that that glitch was there, I continue to make payments through my online XXXX XXXX versus their website to make sure I stay at an outstanding my account. I greatly appreciate your time and review of this matter. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Synchrony Bank has continued to harass me about an alleged debt which they have failed to prove is mines nor did they present valid information for me to validate the debt pursuant to title 15 USC 1692g. I have made sent numerous correspondence to Synchrony Bank attempting to get the information required on their part to prove my obligation to the alleged debt. Synchrony Bank has written this alleged debt off as a lost of profit and is now report it as such on my credit report. But Synchrony Bank has now gone even further and is now attempting to get payment for this same alleged debt account which they failed to validate and wrote off as a lost by way of the small claims court system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, synchrony bank decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as synchrony bank adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with Rooms to Go and Ashley Furniture.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33525
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony ( Lowes card ) consistently takes an extended amount of time to apply payments. So much so that the Lowes automated system gives the option to refund a late fee without speaking to anyone. The result is I have to make a payment a full week before what my bank says will get the payment there by the due date ( a date which works for all my other bills ). It is a scam that gives them extra float. This month for example my payment was deducted from my bank account ( not sent on, cleared on ) on XX/XX/XXXX and is still not posted at synchrony on XX/XX/XXXX. The payment is due XXXX, thats how early I am paying. I have previously complained to synchrony and received a credit but that doesnt change the practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A