Date Received: 2023-04-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 379XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is additional information regarding complaint XXXX. Please see attached emails received on XX/XX/ indicating that all of my accounts are now active and in good standing and that my ability to transfer funds into and out of Synchrony has been reactivated. Although one might think this is good news, I still can not access my account online as you can see from the attached screenshot. When I call Synchrony with my daughter to resolve the issue, Synchrony provides no information on why I am locked out of my account and will not unlock the account. Moreover, Synchrony will not proactively provide information, saying only that we should call again in three days. And during this time, I no access to any of the significant sum in funds that I currently have on deposit with Synchrony - even after Synchrony has stated in writing that all of the accounts are in good standing. In addition to all of this, Synchrony will not return the funds transfer initiated from XXXX XXXX Bank even though Synchrony did not accept the transfer stating in the attached email that I must contact XXXX XXXX Bank to ask them to request the funds. It has now been a full week and still, left and right, Synchrony is blocking and interfering with my access to her own funds without explanation or recourse. This can not be tolerated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem when making payments
Subissue:
Consumer Complaint: Me and my spouse financed {$5400.00} through Synchrony for our purchases at MattressFirm. On XX/XX/2023, we were charged the full amount of the remaining balance on this loan {$5300.00} on one single payment and resulting my spouse having- {$4900.00} on her main checking account. I spoke to Synchrony Bank to ask why has this happened and how should we fix it. I was alleged by them that I made a mistake myself when setting up the auto payment, which they stated I selected to pay the full amount of my statement balance every month regardless we signed up for 36 term loan from Mattress Firm. Their solution was issuing me the refund for my payment and which will take up to 15 days to arrive. They did not provide any solution to cover my overdraft fees nor the effects may gon na cause to lower my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
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: paypal account is being charged with charges I am not making. My account is one long list of charge backs after another, none of them are mine. I called them XXXX of 2022 and filed a complaint against the charges and told them to freeze my account and if I wanted to use it again I would call back and unfreeze the account to use it. It was never frozen as requested and I find that the same thing has been going on since the phone call. I called them again recently and told them to close my account and that I would never use it ever again. They forwarded me to their fraud department and the person I was trying to talk to would not listen to me, he just hung up on me. The charges on my account are false and one look at the activity would prove that there is something going on with this account. I WILL NOT pay for something that I didn't ask for and need your help to get this problem resolved. The current charges on my account are XXXX and that is totally false. Thank you for your attention in this manner. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In late XXXX of 2022, I had XXXX come out to my home in order to install a new air conditioning unit. I opened an account with them to finance the item, and the agreement was that the unit would be purhcased and installed. After the installers left my home, I noticed that there was nothing hooked up. No connections, and no hoses were properly installed on the unit. This was in the middle of the summer, and because of this I had to make arrangements for my children to stay somewhere else because the home was too hot to comfortably stay in. When I reached out to XXXX to get them to come and finish the job/install the unit correctly, they told me no and they began reporting the debt on my credit report as an active account with Synchrony Bank XXXX SYNCB/XXXX on credit report ). I explained to them that my agreement was for the installation, and that it was unethical for them to request payment when they did not do the job they were supposed to do. Because they continued to refuse the service they had agreed to, I was forced to hire and pay for a third party contractor to come to my home and finish the installation job. They are effectively ruining my credit score by reporting late payments/first month default month over month on an account that does not reflect the agreement of services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received credit offer from Synchrony Bank through XXXX. They have a 6 month finance 0 % interest if pay in full on purchases $ XXXX. The problem is that they stimulated the consumer to go paperless with the promise to received the monthly statements, but instead the consumer have to logging on a computer and get lucky to locate the pdf file. I did contacted costumer service, and only after a long chap I learned that my balance was {$410.00} more than shown on the dashboard because I asked directly to the bank representative. My account show 2 purchases of around {$650.00} and {$850.00} but balance of {$2100.00}. Only after my complain she trayed to explain where I could get the information ( what we see as consumer has nothing to do with what she mentioned ). I found very unfair that XXXX and Synchrony bank present the information in such way that we as consumers have no way to stay on top of our finance and the convenient fees applied to our accounts. I totally sure I'm not the only XXXX with these problems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Dear Madam or Sir, I am contacting your agency because I have been trying to close a regular PayPal account ( Not a credit card account ) I had used sometimes when purchasing items online so that I did not have to put my banks debit or credit card numbers on merchants website and risk someone stealing my card numbers. I have called PayPal at least three times in order to do this, but they have told me that their other company or subsidiary PayPal Credit ( Synchrony Bank ) will not allow them to close this account although it is completely different from their credit card services. With this PayPal they just act basically as a processor and my purchases were paid for with my personal banks debit card or credit card that I would pay purchases with and I have actually had this account since XXXX, but as I said they would not allow me to close it although it has nothing at all to do with PayPal credit and of course since my purchases were made with my personal bank cards I do not owe PayPal anything at all. I feel PayPal Credit is not allowing me to close this regular PayPal account although PayPal Credit has closed my PayPal Credit account as a form of harassment and acting in a way I feel is punitive reasons because of the balance they have stated I owe them on a PayPal credit account that I have a substantive disagreement with so I would like to file this complaint because of both of these reasons and because of some additional information I need to add below and I am asking that you please instruct PayPal to close the other account as I have instructed them to do, but they have refused to do so and I feel at this point that the fact that PayPal Credit which is serviced by Synchrony Bank has did and not allowed me to make any form of payment arrangement but just continue to add fee 's although the account was closed in XX/XX/XXXX without my knowledge and closed when it went over my credit limit of XXXX is punitive and seems like some form of retaliation. From the moment my PayPal Credit ( Synchrony Bank ) account went over my credit limit of {$700.00} because of a late payment fee they only tried to contact me by phone one or two times and when I told them when I could make a payment they agreed to that time frame and told me they would not add anymore fee 's to my account. They also told me that my account was still open, which I found out later was not true. When I did tried to make a payment to the agreed amount I found out at that time they had not did what they said they would do, but had added additional late fee 's which I did not have. I asked to have a supervisor call me back and I was instructed one would call me back, but no one ever did. Although I called several times afterwards. Instead every time I called and spoke with customer service they would not agree to do any kind of payment arrangment. They simply told me I had to bring the account current and make the scheduled payments the way they were scheduled, but they kept adding late fee 's and over the limit fees and any fees it seemed they could find. Now they have the balance owed at well over XXXX and late fee 's at XXXX per month. Unlike regular credit companies looking to minimize damages they have not tried to return my calls or contact me at all by phone regarding this debt. I realize that it seems like they are purposely trying to make this debt get as high as they possibly can by adding late fee 's each month and other fee 's because they feel they can. I have informed them because of an older family member who is over 90 years of age that I have had to take care of because of covid that I am not working now, but they do not care at all and although they closed this account right after it got over the XXXX credit limit they have continued to add late fee 's and other fee 's on this account that seems as if they are retaliating and not trying to minimize anything, but simply try to get as much money as possible from me which should not be allowed. They are simply trying to take advantage of me and by even trying to make me keep a regular PayPal account open, although they have closed the PayPal credit account does not make any sense unless they are trying to harass me and possibly trying to make it look like they have more people using PayPal services then they actually do for stock holders or something like that. I am also concerned because I feel I am being used and they should not have the right to keep my personal information including my bank and debit card information on that site when I have asked them to close this account. If your agency can not help me, can you tell me what agency may be able to or if I should file a complaint with the attorney general here in California? PayPal Credit account number XXXX Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a carecredit account through Synchrony Bank. The card allows for the payment of medical bills, with a 6 month interest free grace period on all charges over {$200.00}. If the promotional purchase, as they call it, is not paid in 6 months, they charge an extremely high rate of interest. I attempted to make a payment via my husband 's bank account on XX/XX/XXXX through the website, but an error occured and my payment did not go through, but I was not notified until XX/XX/XXXX of this, which caused my promotional purchase to expire, therefore causing the account to be billed with XXXX dollars in interest. I contacted our bank and was informed my information was correct and there were sufficient funds. I called carecredit and was told that if I paid by XX/XX/XXXX, they would reverse the interest charges. I immediately paid them {$6000.00} from my bank account, which went through with no issues. Since then, I have made about twelve calls/online chats with carecredit, and the issue has still not been resolved. I was told on one of the more recent calls that I would only receive reimbursement if I paid an additional XXXX dollars. I paid that, and requested that it be allocated to the expired promotional purchases and that my interest be refunded, as promised by multiple carecredit representatives. They did not allocate the money properly, so my account is still incorrect, and I still have not recevied reimbursement. They allocated the money to purchases that expire in XXXX, so if they money does get adjusted properly, it will cause me to incur interest on the XXXX payment, which I am ready to pay now, but can not due to how they have allocated everything. It would be on promotions ending in XXXX and I would have to go through this all over again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Account XXXX XXXX to my XXXX I was going thought financial hardship and was unable to keep up with my payments. I was so grateful to synchrony bank/ Care Credit for helping me though a settlement on XX/XX/XXXX. Now for about 6 months I've been requesting from synchrony Bank/care credit for a copy of my credit application that started the care credit account on XX/XX/XXXX to see if there are any errors. But they would always respond as if they don't know what I'm requesting followed with a second letter detailing the account history. This is very confusing to me cause I did not ask for the account history. Now I'm asking again though the CFPB for my credit application. If they can't produce the credit application that started this account or it has any errors in it, I kindly request that this account be removed from all credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A