Date Received: 2023-04-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear Care Credit, I am writing to inform you that your recent attempts to collect a debt from me are in violation of the Fair Credit Reporting Act ( FCRA ). Your collection efforts have caused me significant distress and hardship, as I am unable to pay this debt due to medical reasons and being unable to work. Under the FCRA, creditors are required to report accurate information to credit reporting agencies and provide accurate information when attempting to collect a debt. Your attempts to collect a debt that I can not pay due to my medical condition is a violation of this act. I request that you immediately cease all collection activity on this debt and remove any negative information that you may have reported to credit bureaus. I also request that you provide me with a written confirmation that you have taken these actions. Please understand that I take this matter very seriously and will pursue any and all legal remedies available to me if necessary. I look forward to your prompt response to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have provided XXXX XXXX and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. Also SYNCBXXXX, This was not mine also
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank has no transparency in payment allocation and customers can only request specific payment allocations by calling Customer Service after the payment is received and within the same month it is posted. The hold times to speak with Customer Service can exceed an hour and you have to go through multiple prompts from their automated system to get through! Today, I contacted Synchrony Bank regarding my CareCredit credit card account because, although I made extra payments to avoid pending interest, it was accessed for a promotional purchase for {$630.00} that expired on XX/XX/2023. I spoke with an account manager, XXXX, who indicated that closed transactions fall out of their system immediately, so she couldn't see what the payments made on XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$250.00} ), XX/XX/XXXX ( {$150.00} ), and XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$110.00} ), or XX/XX/XXXX ( {$100.00} ). I have another promotion expiring in XX/XX/2023 and they are not posting payments to it. Payment allocation isn't included on statements, you can only determine how payments were posted by comparing multiple statements and trying to calculate the difference in balances on multiple transactions, so you are left guessing if your calculations are correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92821
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have contacted Synchrony Bank about having closed my account in late XXXX. They mailed me a check with the incorrect address information on it despite I received my card with the correct information at the same address. They told me multiple times they were sending another check and yet they confirmed they have only ever sent one check. XXXX XXXX is doing this purposefully to keep my money as a free loan. Knowing their reputation should make holding them accountable easier
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49001
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have 3 promotional balances on my card. One promotional balance expiring on XX/XX/23, XX/XX/23 & XX/XX/23. In order to pay off my promotional balance expiring on XX/XX/23 to avoid interest charges, I have been making additional payments of {$51.00} towards the balance. My payments were made on XX/XX/23 & XX/XX/23. I will also be making the same {$51.00} payments on XX/XX/23, XX/XX/23 & XX/XX/23. Synchrony Bank is applying my additional payments towards the promotional balance expiring on XX/XX/23. By doing this, they can charge me interest on my promotional balance expiring on XXXX contacted them about they payment made on XX/XX/23 and they corrected their error. However, the payment on XX/XX/23 was applied to the promotional balance expiring on XX/XX/23. I should not have to keep calling or messaging them for my payments to be applied correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: PayPal is charging me late fees because I paid my account early. They say their policy is to charge a late fee if you pay between your due date and their generating new bill period. In 2023 I paid XX/XX/XXXX, XX/XX/XXXX, & XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These were large payments over the amount owed. XXXX was toward XX/XX/XXXX bill, XX/XX/XXXX was for XX/XX/XXXX bill, XX/XX/XXXX is for XX/XX/XXXX bill. I was charged {$30.00} late fee in XXXX, again in XXXX, and {$40.00} XX/XX/XXXX. This is highway robbery. They have set up a computer system that generates late fees without calculating payments paid early rather than late. My account is never in arrears! I want a refund of all late fees. The foreign operated online chat wont allow customers to submit proof of payments, speak broken English without verbs or proper pronouns, and the representatives clearly speak from a script without authority to refund the pay pal automated fleecing. In addition Pay Pal has increased my credit limit without asking me if I want additional credit, which I did not want!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99352
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Spoke with multiple people regarding a double payment to my Sams Club/Synchrony Bank credit card. Called synchrony and they are unable to reverse the extra payment, they cant do it electronically, they cant see it its still pending ( even though my bank said both payments cleared ) and synchrony told me I would have to wait 7-15 days for a paper check! The money allotted in my account is for other bills and I cant wait 7-15 days for a paper check. This company should not be doing paper anything, and there should be a process to reverse the charges. Poor customer service and no one would help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Since opening of acct. in XXXX XXXX Synchrony XXXX XXXX XXXX XXXX credit line XXXX XXXX I use and pay off ( for gasoline to get to work ) I have attempted to login and pay balance XXXX Thru XXXX I have trouble logging in, receiving alerts, trouble with telephone number using manual payment with debit card. I have tried several times throughout day, lunch breaks, before XXXXXXXX XXXX weekends. Website as well as application would not allow me to login. Multiple times called automated system and asked to Be redirected to CSR or live agent, when I was transferred yesterday I was ingormened that my acct. would be deleted and I would have to re-register, since then the website and app. After several, I mean 10- 15 pictures, let me past security recapture then when I enter my correct info. Tells me that i entered info wrong. I have several screen recordings at different times and days to prove this. I have tried again and again to get to speak to someone today with no luck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX In XX/XX/XXXX, some hack my cell phone and open up an Amazon Account in my name through Synchrony Bank. I was also blocked out of my XXXX account until XX/XX/XXXX. I had to send XXXX copies of my incense to get back into my XXXX account. When I got back into my XXXX account, I saw all these emails from Synchrony Bank about owing money on an Amazon Card. I contacted Amazon the first week in XX/XX/XXXX and told them this was a Fake account. I ask them to close the account. The account at that time was {$1000.00}. Amazon refuse to close the account because they said they could not verify it was me. The hacker used my XXXX and my phone number to open an account. Since then I have change my phone number and closed that XXXX account. I contacted Synchrony Bank Fraud department and explain to a Fraud specialist that I did not open the account. He asked for my address which was not the address on the account. At this time, three weeks in XXXX, the balance was {$3100.00}. I was sent paperwork t fill out which I did. I also included a copy of the police report I filed because the hackers had charge two phones on my XXXX account.I receive a letter today XX/XX/XXXX about a payment not going through on this account which is suppose to be closed. I called the bank and they gave me the run around again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A