Date Received: 2023-04-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an Amazon Credit Card which is managed by Synchrony Bank. The bank is using a predatory late fee mark on my account even when I still paying the account and even when Im paying {$160.00} / {$80.00} twice a month. When I make the payments those payments are instantly debited, however, synchrony takes time to post to whoever dates they please, and probably for that reason the predatory late fees are on my account. I tried to speak and explain to XXXX XXXX XXXX and XXXX XXXX, a representative from the company and what he did was close the chat and refused to help me and look for other better solutions without the predatory fees, but in the end, this is what they do to steal money, charge late fees to keep the account up and the customer never end up paying the whole account for that reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35802
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several inquires on my credit file that dont belong to me and I dont recognize I asked the bureau to investigate and they failed to do so,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are 5 inquires from SYNCB/Paypal that are in my credit file that I didnt authorize. SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) SYNCB/PAYPAL ( Bank ) XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open 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: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I filed a request to use my payment security as I had lost most of my hours. The benefit was initially requested for starting in XXXX. They made a couple months worth of my payments while they did whatever it is they do to process the claim. Then I was sent a letter requesting paystubs for the months after XXXX which I provided. Next I was told to provide paystubs for XXXX and XXXX to show I still was experiencing a reduction in hours which I provided. They sent another letter stating they needed more paystubs so I sent my XXXX as I am an independent XXXX and the XXXX listed my income for each month for the entire year. Now they are saying they need actual paystubs for the month prior to XXXX and a XXXX isn't good enough. I'm starting to feel like they are just going to keep dragging this out and ask me for more and more things. I want them to process my claim in a timely manner and stop asking me over and over for more information. My benefit request number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: Synchrony Bank sent a response to my previous complaint ( CFPB # XXXX ) that does not address the actual issues brought to their attention, simply stating meaningless facts for the sake of providing some sort of a response. For instance, Synchrony Bank stated that the address on my Synchrony Bank account does not match the address on my inquiry through the CFPB : this is not true because all my Synchrony Bank statements and other correspondence from Synchrony Bank carry the same address as the address shown on my inquires to Synchrony Bank directly and through the CFPB. The letter dated XX/XX/XXXX by Synchrony Bank, of which a " copy '' was attached to their response sent to the CFPB, was never sent to my attention by mail or through the on-line portal. This letter stated the following : " At this time, we consider the dispute closed and the matter resolved to your satisfaction. These credits will appear on your XX/XX/XXXX billing statement. This adjustment does not set a precedent for any future adjustments regarding this matter. In addition, no further adjustments will be made to your above-referenced account unless there is a valid billing error ''. Instead, I received a letter from Synchrony Bank dated XX/XX/XXXX which stated the following : " If you feel that your inquiry was not handled appropriately or you have additional information not previously provided, please call us within 30 days of this letter at the phone number listed below so that we may further review your inquiry ''. In fact, based on the letter I received from Synchrony Bank dated XX/XX/XXXX, on XX/XX/XXXX I contacted the Dispute Remediation team and discussed the circumstances of the disputes on the two orders with XXXX XXXX XXXX, having already requested on several occasions over the last few months that the overbilling on the orders ( order # XXXX, sale date XX/XX/XXXX ; order # XXXX, sale date XX/XX/XXXX ) is reviewed by the team at XXXX XXXX XXXX and the overbilled amounts are fully refunded to me. On XX/XX/XXXX, the Account Manager of Dispute Remediation at Synchrony Bank ( XXXX XXXX XXXX XXXX reassured me that the disputes have been re-opened ; he was also able to confirm that the address on my Synchrony Bank account is the same address I used in the correspondence regarding my disputes, and was unsure as to why the Senior Specialist XXXX XXXX stated in the response provided to CFPB that the address in my inquiry ( dispute ) does not match the address on my Synchrony Bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I recieved a call from a Debt Collection Company ( XXXX ) saying that they received my information from Synchrony Bank and that I owed a {$110.00} debt that they were collecting on ( from a XXXX debt ). I explained that I did not have a PayPal credit card, and that all Syncrony Bank debts have all been paid ( current balance {$0.00} ). The woman on the phone told me that for additional information regarding what the {$110.00} balance was referring to, that I would need to call Syncrony directly, and provided a number. I called Syncrony from the phone number found via XXXX ( fearing a scam ). I called many different numbers but was unable to actually speak with a customer service rep. After about 30 minutes of trying, I finally called the number provided. It sounded like a legitmate Syncrony Help Line ( even mentioned FDIC Insured and that the call was recorded ). The customer service rep asked for my phone number and confimed my {$0.00} Balance. The rep DID ask for my social security number to look in the system to confirm there were no other outstanding balance that may not be tied to my phone number. Again, no outstanding balances. Overall, I am not sure what happened here- but I believe the inital call to be a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is regarding a prior complaint filed with the CFPB. Complaint number XXXX. After the complaint was closed Sychrony recharged by card for {$2100.00} after correcting the prior miss-charge. I would like CFPB to help resolve this or at least assite in driving this to mediation. I suspect the systematic false enducement of cash advances is a fradulent scheme perpetrated by Synchrony Bank and should be looked into by the CFPB for adjudication and administrative enforcement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call everyday repeatedly. It's a bot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A