Date Received: 2023-04-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: This is my XXXX complaint about Synchrony Bank. Now it's about my Care Credit card. I made a statement about them targeting me as an XXXX American customer. I spoke with a customer service representative today over the phone. In the last conversation I had with them I explained to them to contact me by phone. Please no emails due to my illness I may not see or receive them. I am very ill and under XXXX. I have not received a bill or a phone call from Synchrony Bank to discuss any matters like most credit card companies operate when a bill is late. Today I spoke with XXXX and I let him know that I was going through my emails today and I received a message from Synchrony Bank asking for my zip code to retrieve the letter. I have attached a copy to this letter. The letter stated that my credit was decreased to what I owed XXXX dollars. Synchrony Bank never contacts me by phone or sent a bill in the mail. The representative said they sent me a text message. I never chose text messages as an option for contact. Text messages to a customer 's phone are so unprofessional for a company to use. Synchrony Bank is using other tactics to downgrade customers ' credit scores because they can't report unless they are 30 days late. The representative stated the department that handles the delinquent accounts found me to be a risk after a week and a couple of days late. They never contact me by phone or by mail to my address to discuss any matters or resolved issues. I have not used the care credit card. If Synchrony Bank would use the proper point of communication they would find out the correct information pertaining to why I didn't make the payment due to my illness and I forgot. The customer is ill and forgot. This letter of complaint is being copied and I am going to get the media attention because this is a violation totally. They sent a letter on the same day they decreased my credit to cover their back by email I would never discover the letter from Synchrony Bank if I wasn't looking for a medical bill that a company called about and asked if they could send the EOB by email so I could print it out. Synchrony Bank letter was in my Spam Mail. I spoke with the Bank months ago when I put the first complaint in and asked to be contacted by phone calls and mail Only. I have attached the letter. This Company is a Scam!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/22 I called Care Credit to ask them information regarding what they offer. Before speaking to me they require I gave them my name, address and a few other details. After some questions I was short on time and decided to call back later. Before calling back I got a notification from my credit card XXXX who monitors my credit. XXXX let me know I had a new inquire on my report. After looking into it I see care credit ran my credit without my approval, permission, acknowledgment or asking me/telling me whatsoever. Had I know this would happen from a short 5 minute phone call for more information I would not have. I tried to call back numerous times but they wanted information from me every time I tried to call, I was scared they would run my credit again. After a few calls with them and synchrony bank - who they work threw I was told I was out of luck and theres absolutely nothing they can do on their end. I feel this is not fair or legal and should not be able to run unauthorized reports like this. This is a hard inquire on my credit I never approved for. After speaking with a family member Ive found out they had this happen to them with the same company years ago as well ( though they didnt report it at the time ). Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/2023 : Used A Synchrony Financial Credit Card at XXXX for a {$45.00} transaction. XX/XX/2023 : Returned Some products to XXXX for a refund back to the Synchrony credit card in the Amount of {$19.00} XX/XX/2023 : Made a payment to Synchrony for the difference of the original purchase from XX/XX/XXXX, in the amount of {$25.00} XX/XX/2023 : Received an email from synchrony bank that I had a statement balance of {$19.00} That was due XX/XX/2023. upon my own investigation I discovered that I was charged a late fee of {$19.00}, A finance fee of {$1.00} and additional late fee for a total of {$41.00}. Synchrony bank reported I was late on payment to the credit bureaus. I placed two calls to Synchrony bank about this issue explaining I did nothing wrong and that my payment was made 43 days prior to an assessment of a late charge. I was asked whether or not I had my return receipt for the transaction that was made in XXXX as well as that I have a balance of {$41.00} for missing a payment. I went to the original purchase store ( XXXX ) spoke with a XXXX and was able to obtain printouts of both the purchase and return from XXXX. In a phone call with Synchrony bank, they stated that a dispute would take up to 60 days, with more late reporting sent to the credit bureau and during that time I may receive calls from a bill collector. I decided in order to avoid harassment from a bill collector, and destruction of my credit history to pay the additional {$41.00} which I technically did not owe. I asked Synchrony bank when would I get my money back once they were able to verify the situation and was told that the process can take up to 45 days, that I would receive a credit on the account and if I do not use the credit after a period of time a check would be sent back to me in the mail. So here I am, frustrated filling a complaint to the CFPB. I don't know who was wrong between XXXX or Synchrony Bank. I do know I was not in the wrong and should have never been in this position. The arithmetic was simple, a purchase minus a return is what I paid. I've always paid what I owe in a timely manner. What takes a lifetime to build can be destroyed in a moment and my question is why did this happen?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened an account with XXXX XXXX for XXXX. Spoke with the bank who provides credit and they have closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi Synchrony Bank - Corporate Consumer Relations, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was endorsed and deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with JCPenney XXXX Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). XXXX XXXX ( Corporate Consumer Relations Senior Specialist at Synchrony Bank ) suggested, I contact XXXX XXXX XXXX ( XXXX ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for XXXX are XXXX and XXXX ) for further investigation. XXXX XXXX XXXX suggested XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted XXXX XXXX XXXX via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number. After reassuring XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I have never had and do not currently have an account with XXXX XXXX XXXX, XXXX XXXX XXXX ( the title company that issued check # XXXX ) started the process to open a claim and investigate the improper endorsement. For XXXX XXXX XXXX ( the title company 's bank ) to complete this process, they are requesting a representative of Synchrony Bank complete a Declaration of Unauthorized Endorsement or Altered Item form and return it back to me. I have attached a copy of the form. Please sign and return the attached Declaration of Unauthorized Endorsement or Altered Item form to submit to XXXX XXXX XXXX. Thank you for all your assistance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE SYNCHRONY BANK IS THE CREDIT CLEARING BANK FOR AMAZON. ON XX/XX/2022 I BOUGHT A PAIR OF SUN GLASSES TO AMAZON WHICH CHARGED {$380.00}. THIS SUN GLASSES WERE RETURNED AND RECEIVED BY AMAZON ON XX/XX/2022. THIS AMOUNT HAVE NOT BEEN CREDITED TO MY ACCOUNT. THE BANK DECLINE THE CREDIT WITHOUT EXPLANATION ; ALTHOUGH AMAZON ACKNOLEDGE THE RECEIPT. ON XX/XX/2022 ; I CONTACTED THE BANK AND INQUIRY FOR A {$210.00} CHARGE THAT DID NOT MADE. THE BANK CLAIM THAT WAS MERCHANDISE DELIVERED TO MY ADDRESS. I REQUEST RECEIPT OF DELIVERY SIGNED; BUT THEY DID NOT PROVIDE THAT EVIDENCE TO ME. BY MISTAKE I PAID THE XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I see credit cards in my credit report that I have not opened in my name I expect that it is fraudulent activity someones been using my identity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent my payment of {$710.00} on XX/XX/XXXX from my bank. I sent opened a dispute and on XX/XX/XXXX my case was closed because they were unable to find my payment. I submitted another dispute on XX/XX/XXXX and sent a fax with all of the information they requested. On XX/XX/XXXX I received a letter that my case was closed again because they couldnt find the payment. On that same day I submitted another fax with the information they requested. This is the third time I open a claim and I have decided to escalate the issue because it has been 3 months since the payment was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I paid for a couch from XXXX XXXX with Synchrony Bank credit card. I did not get what I paid for. The couch was damaged. I paid for a brand-new custom-made couch. I asked XXXX XXXX to remove the damaged couch and they refused. I disputed the charge and requested a refund. XXXX XXXX has recently agreed that the couch was damaged when I received it and has offered to give me a new couch and allow me to keep the old one. I don't choose to have either. I did not get what I paid for. I would like a refund. Please note that I have been paying this bill monthly while I am disputing this charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was issued a Synchrony Bank Sams Club credit card in XXXX and they closed it on XX/XX/XXXX, even though I was not delinquent and had no balance on the card. I was told they randomly check credit on their customer and they felt my credit was no longer good enough to have their card, so they closed it. I have never heard of a credit card company continuing to check their users credit every few months to see if they still deserve the card. They did not have my permission to check my credit more than once ( when I initially applied ). They accessed my credit report without my knowledge or my permission, and when they decided to close my account it had a negative impact on my credit score - even though the card was paid in full. I dont think they should be allowed to secretly check customers credit reports every few months and close accounts that are paid in full. When I called and asked them to reopen the account they said they cant do that. They told me to reapply - but now I have a lower score because of their actions. And I dont want to do business with them anymore anyway. They should not be allowed to treat customers this way!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45662
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A