Date Received: 2023-04-13
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 bought an XXXX vinyl record box set through XXXX on XX/XX/XXXX for {$440.00}. It supposedly arrived on XX/XX/XXXX. I got home and no package. I contacted XXXX and opened a missing package dispute. XXXX denied my claim with no explanation but a time stamp so I requested a driver log. They ignored and refused to help anymore so I opened a dispute with my credit card company, Synchrony. In XXXX, I won my dispute and they removed the charges. In XXXX, the charges returned with no explanation. I have contacted Synchrony XXXX times by reopening a dispute, fraud protection, etc ... and was finally mailed a letter that said they charges were accidentally put back on my account and would be removed by XX/XX/XXXX. This was a lie and the charges still remain on my account. I've tried working with them on this and I keep being lied to. I need help getting this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60068
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I initiated an online external money transfer of {$200000.00} from a XXXX XXXX account under the name of my trust to Synchrony Bank. I have documentation from XXXX that the transfer went through to XXXX XXXX. I have email documentation from Synchrony Bank on XX/XX/2023 that there was a pending transfer from XXXX of {$200000.00}, and the expected delivery date into my Synchrony account would be XX/XX/2023. On XXXX, XX/XX/2023 I received an email from Synchrony Bank stating that my XXXX account was temporarily suspended from using the funds transfer service. I personally went into XXXX XXXX and spoke with XXXX XXXX, XXXX XXXX. She confirmed that the {$200000.00} had been sent to Synchrony Bank, and that it was not pending return to XXXX. I phoned Synchrony Bank at approximately XXXX XXXX while meeting with XXXX XXXX, and spoke with a representative who told me there was confusion with the transfer since it was originating from a trust account at XXXX. My Synchrony Bank account is under the same XXXX. She contacted a Synchrony Bank XXXX Supervisor named XXXX. He confirmed with her that the {$200000.00} transfer would be sent back to our XXXX account and would be at XXXX within 24-48 hours. As of today, XX/XX/2023, Synchrony Bank has not transferred the funds back to my XXXX account. This {$200000.00} is also not appearing in my Synchrony Bank account. These funds appear to be lost. I again phoned Synchrony Bank this morning, on XX/XX/2023 at XXXX XXXX., and the representative, XXXX, informed me that there was no one available who could help me with this missing {$200000.00} missing transfer. I left my phone number and asked for either XXXX or XXXX to call me back. It is absolutely unacceptable that Synchrony Bank can 'lose ' {$200000.00}, and not have anyone available to help locate these funds. Please help with a resolution. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Sams Club MasterCard, which is through synchrony bank. I had an unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have aI have a Sams Club MasterCard, which is through synchrony bank. I had a unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have never had an unauthorized charge that was not removed immediately yet synchrony bank refuses to remove this charge. I have paid my bill up to that {$100.00}. This was not my charge yet they refused to remove it until they investigate. That is like saying I am guilty until they prove me innocent. This is unacceptable. I want discharge remove from my account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name is XXXX XXXX XXXX XXXX XXXX XXXX and someone is trying to open a loan without my permission by this company. SYNCHRONY FINANCIAL XXXX : XXXX. XXXX, 2023 + Finance/Personal ( XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Ive requested in several places that Synchrony Bank close my account yet the refuse. Attached is the letter I sent today. They MUST stop disregarding my request. Id never be a valued customer of any company that steals from me. Yes they have by disregarding a valid complaint forcing me to pay a dentist who did nothing but produce a bogus treatment plan of over {$10000.00}. UNBELIEVABLE!! Good riddance Synchrony Bank. This very unfortunate experience forced me to read online horror stories, and its clear your lack of integrity in this case has saved me from future pain. GE Capital is who you really are, and you are still engaged in the same filthy dirty behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97601
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made online payment for XXXX XXXX store credit card administered by Synchrony Bank on XXXX. Paid credit card account with a XXXX XXXX checking account. Payment amount is {$230.00}. Synchrony Bank processed twice this amount in two transactions ( {$230.00} twice ). For each transaction there is a confirmation number. I have confirmation number ending XXXX. For the second payment transaction I do not have or receive this confirmation number ending XXXX ( this transaction was not performed by me ). It is very troubling there is a confirmation number on the second payment not performed or authorized by me. I called Synchrony customer service and was first told I made 2 payments, I did not. Second I was told there must have been a system error causing the payment to be made twice. I asked for the overpayment {$230.00} to be credited back to my checking account. I was told Synchrony would send a physical check and it would be XXXX business days ( unacceptable ). Easiest but not best way is to leave a credit card balance of $ XXXX on the account. The monies will be used eventually, but I should not have been debited twice on my checking account, and it should be fast and convenient to get the monies refunded for Synchrony errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The telephone number on the back of the card takes a person to a bunch of different companies - medical alert, insurance, pest control, addiction specialists but wont reach the actual customer service for Synchrony Amazon card. This number is XXXX. Then, if you search for a number online, the web either takes you to an app that has a robot who cant provide another number. Then if you stay on the app to get a person via chat, they provide the same number and, when pressing them further, provide XXXX. This phone number doesnt work either and goes through a bunch of advertising offers similarly to the provided number on the back of the card until it disconnects me. The app wasnt showing a payment I made 25 days ago and I needed to verify it was received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I accidentally missed making my bank deposit while in a fog due to a XXXX injury and I bounced the payment to my XXXX store credit card. I expected to pay a late fee and possibly a fee for the payment being returned and to their credit I believe they removed the fees however they raised my minimum payment from just {$30.00} all the way up to {$160.00}. That {$160.00} remained even after the man said he removed the fees, he said there is nothing they can do about it. I do not understand how they can remove all the fees and my minimum payment remains at XXXX times the amount. I live mostly on a fixed income and a hike like this is impossible to overcome I do not understand how it can be legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18944
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: on XX/XX/2023 I was denied a charge I had attempted for air line tickets. In disbelief I called my credit card company Synchrony Bank and they informed me that I was reissued a new credit card due to a possible Fraud situation. I was never made aware of this nor was I ever in receipt of the new card. They informed me that they sent me a new card on XX/XX/XXXX and on almost a month later ( not activating the card ) they don't follow up? Once again I have never been made aware of this " FRAUD '' situation. So I could stop using the card for purchases and help " them '' control the charges on the account. I also was never notified of me receiving a card, I think this is Fraudulent in its own right. I was also told on the XXXX that there were NO Mangers that I could speak with about this situation and that I would need to call back. I called back the next day during normal business hours to discuss and when I spoke to a manager they told me that they cant overnight me a card so I can conduct business on an orderly fashion. I don't understand what type of company believes that it is responsible to NOT INFORM the card holder that there are Fraudulent charges on his/her account as well as the current card being decline/invalid by a certain date. I think this is just another way for a Predatory ( and this company is predatory with their % rates ) company to mess with the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of XXXX XXXX identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb paypal bank XXXX Syncb jcpenny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A