Date Received: 2023-04-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I opened an online CD with Synchrony Bank in the amount of {$250000.00}. Account # XXXX. Conformation # XXXX. On XX/XX/2023 the money was withdrawn from my XXXX XXXX XXXX Account, # XXXX. From that point I've contacted Synchrony many times to inquire why the CD did not show the {$250000.00}. I was told the account was not opened because the money was coming from business account and not a personnel account. Finally on XX/XX/2023 they told me that the account was cancelled and the money was being sent back to XXXX XXXX XXXX To the external account that it came from. I talked to many different representatives from Synchrony from that time and no one could give a straight answer on when it would be returned. They kept giving me dates that it would be returned and it never was. I went to XXXX XXXX XXXX to get help and to date we have no answers. They gave us a trace # XXXX, we came to find out that the trace # was from XXXX XXXX XXXX withdraw, not the return from Synchrony. Please Help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: As you all helped me with this transaction back in XX/XX/XXXX where I was scammed and Paypal/Synchrony Bank ruled in my favor I find out now that I am being charged cash advance interest on that transaction for years. I didn't know this was happening all these years because I went to paperless billing and didn't pay attention to this until now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I signed up for a store Credit Card with Amazon through Synchrony Bank in 2018. I put it on automatic payments. I should of been close to paying it off. A credit report showed me I still owed for than more I purchased on it. So I logged in to check my account. Apparently I was being charged a Security fee on top of Interest. So the minimum payment would not cover it. I was charged a security fee for almost 5 years for about XXXX dollars a month. I never agreed to the security fee. They opted me in but won't tell me how I agreed to it. I was able to cancel it, but they will only refund me for one year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78222
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In early XXXX I had XXXX XXXX XXXX handling this account for me, we settled with XXXX XXXX ( Synchrony debt collector ) in the amount of XXXX with a payment plan set up over the course of 19 months in which 15 payments had been made as follows : Beginning XX/XX/XXXX payments will be as follows- 6 paymentsXXXXXXXX XXXX XXXX XXXX XXXX Final payment of XXXX in XXXX XXXX. Total of XXXX After getting the receipts, looks like they never changed from XXXX to XXXX so it shows XXXX XXXX XXXX and XXXX and that's when it was supposed to go back to Synchrony to debit my personal account for the remainder XXXX I had left to pay. These monthly payment were being taken out of my account I had with XXXX XXXX. In XX/XX/XXXX, I had released all POA rights between XXXX XXXX XXXX and myself. So I set up my own account just for XXXX XXXX to debit these payments from. When I spoke to them they said they could not take payments from me or my personal account, which I find odd, so I called Synchrony and explained to them I need to continue making these payments what do I do? He told me I needed to call XXXX XXXX and ask them to bring my account back " In house '' and Synchrony would be able to continue the payments from my debit account, for the reminder of the settled amount. Confirmed. So I did just that, XXXX XXXX advised me it could take up to 8 weeks to complete, ok, so I called them back at a later date, they dropped the ball it wasn't transferred so they did it again and check back again, it was done so I call Synchrony and they said they had no notes on my account in regards to talking to me or agreeing to this. I said well you should, let me make more calls and find out what's going on. Everyone else had done their job and it was confirmed my account was no longer at XXXX XXXX. So I called XXXX to make sure they had sent a release so everyone could even talk to me. Got that. Now its XXXX XXXX, I called synchrony again and now they're telling me that not only do they have no notes of this because they no longer have my account but that they can't even speak to me that I need to call XXXX and XXXX as that's where my account it now. Called XXXX and XXXX XXXX XXXX and yes they now have my credit card account in their office. So it was sold again, after working with everyone for months to get this all in place to continue paying and now I have a judgement filed against me for XXXX in XXXX XXXX XXXX in Missouri. Furthermore, the last payment I made the end of XX/XX/XXXX was in fact made and then it shows reversed on my statement, so I asked the bank who reversed the payment because it wasnt me and they stated : " XXXX received an email from the creditor stating " These accounts are no longer in our office. Please delete any future payments ''. Your debt settlement provider is notified and both XXXX XXXX XXXX XXXX and the creditor have to agree and then the payment is reversed. '' Email attached This confirms, the creditor ( Synchrony ) also agreed to stop payments from the global account through XXXX XXXX to switch the payments to be taken from my personal account I had set up. I did not default on my payments or agreement. This is all negligent unfair consumer practice. I still have no copy of said judgement as I was out of town over the holidays when they tried to serve me, by the grace of god I happen to see the court date the day before on XXXX and got it continued to May so theres no default on the judgment. That was filed in XX/XX/XXXX and its now XXXX and Ive sent numerous requests to XXXX and XXXX for this summons to no avail. I still have not been served properly, the Synchrony statements XXXX and XXXX XXXX office did finally mail to me last week is from XXXX with none of my payments I made shown on any documents. I again called Synchrony in XX/XX/XXXX, last month, and was yelled at by a gentleman on the phone who said he cant talk to me. To make these matters worse I was getting ready to refinance my home mortgage and this judgement/Lien is against me and I cant close, losing money out of pocket for appraisal fees etc I had already paid, lost the interest rate I was locked into etc. with a new closing date of XX/XX/XXXX. Due to this event I even offered to give XXXX and XXXX XXXX JUST so I can refi my home and be done - they wont answer my emails I sent on XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX. This is now affecting my health, my home and my credit and needs to be resolved immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Im writing in regards to synchrony bank with XXXX master card The company was very hard to work with 90 percent of them dont speak very good English and half the time I was trying to get my bill waived because I had some issues with my balance as Im trying to settle with my credit card company they just wouldnt work with me. Im severely disappointed and I have a major XXXX XXXX called XXXX and they just didnt care about my feelings my credit score is low because I was struggling to pay the bill as I didnt have a job at the time I was waiting for my XXXX income to show up I thought it was rude for them to disrespect me very much and not want to listen to what I had to say and ignore me I hope this doesnt happen to anyone else cause I had a horrible experience
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The issue initiated when I filed a dispute over another credit card erroneously debiting my account. It later developed that I settled this dispute and informed Synchrony Bank. When they sent me an Affidavit to confirm this dispute I called Bank again that I had settled this matter. Nevertheless they placed a HOLD on two Savings accounts of mine with total exceeding {$6000.00}. This is our Household Account from which we pay our bills. On XX/XX/XXXX I noticed this HOLD, immediately informing Bank. An agent said she would escalate the approval for removing the Restriction. It is now XX/XX/XXXX and the Restriction remains and am told another up to three business days it shall be lifted. In the meantime I have bills to be paid, one bill returned to them subject to handling fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: In XX/XX/2022 I purchased 2 XXXX XXXX from Amazon, using my Amazon credit card through Synchrony Bank. These devices with tax came to {$240.00} each. Shortly afterward, I decided to return the entire purchase. I contacted Amazon and they agreed to accept the return and sent me 2 prepaid shipping labels, one for each XXXX. I promptly returned both and have shipping confirmations that Amazon received them. However, Amazon only refunded my account for one ( XXXX ). After several attempts to get Amazon to correct this, during which they agreed they would, yet they never issued the remainder of the credit, I initiated a dispute with Synchrony. After investigating, Synchrony resolved the dispute in my favor and credited my account for the second XXXX ( XXXX ). However, several weeks later Synchrony reversed this credit. The letter they sent explaining the reversal stated that they saw the original credit Amazon had issued in the same amount ( which was for the first XXXX ), they thought I had been credited twice so they were reversing it. I subsequently disputed this again, and on XX/XX/XXXX they sent me a letter acknowledging this new dispute. As of today, XX/XX/XXXX, they still have not resolved this dispute. When I contact their customer service representatives they always seek to delay the issue. Today they told me they have 60 more days to investigate the matter. This should be resolved by now, and they still owe me {$240.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit card payment to Synchrony Bank Care Credit Call ( XXXX ) XXXX Synchrony, XXXX XXXX XXXX, XXXX, FL XXXX is due on the first of the month every month. I make my payment one day early before the due date. I am being charged a late fee in the amount of {$41.00}. This is fraud. I called the customer service number and they were not able to provide me with an acceptable answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony Bank decreased my credit limit on my credit card from {$8000.00} to {$520.00} without any Adverse Action Notification or any notification at all. The decrease in the credit limit has adversely impacted my XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Synchrony Bank issuer of the CareCredit card owes me {$550.00} worth in rewards. I faithfully and without fail used by card to earn points in full accordance of their reward program. My account without any warning whatsoever was unscrupulous closed by Synchrony on XX/XX/2023. Unknown to me that the account had been closed, while traveling on business, I was reviewing emails. I received an email stating I had reward points to redeem. As I really did start the review process a few days prior, and in a haste to stop wasting time on the internet, I needed to pack, and I thought I will pick a reward, gift cards later. On the night of XX/XX/XXXX I received the email while in my hotel. I thought, well, I am on the trip, the stress to pack and get out is over, let me have a look and pick some gift cards. I attempted to log in to find my rewards were XXXX! Imagine my surprise!! I then noticed on my Syncrhony Master login, that all of my Synchrony cards had XXXX available credit. I honestly chalked it up to a system error with the bank and called it a night. Turned off the laptop, watched tv went to bed. It was not a system error. In fact Synchrony in one fell swoop shuttered all 11 of my cards with them. No reason other than, " high risk for failure '' - ok whatever, that is your opinion of me. It is dead wrong and totally unfounded. Closing my accounts is a business decision. However, I EARNED MY POINTS fair and square! I earned them over the course of several years. Yes, terms of that card say, when an account is closed all points are forfeited, however, I was NOT given a fair chance to redeem my points. I was BAITED with " you have points '' and then that SAME DAY the account is closed and points are forfeited. At best this is unscrupulous, mean spirited, unfair, borderline unethical. I have learned by DIRECT CALL, when I attempted to get my points redeemed as intended as earned, that if a consumer calls to REQUEST account closure, there is a script an agent reads to advise consumer to redeem reward points or lose them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A