Date Received: 2023-03-29
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Was approved for asynchronys Venmo Visa Credit Card. Tried to activate the digital card using the last XXXX of my social security number. Received an error message saying the last XXXX was incorrect. Reached out to support about changing the social security number on file. Responded with a chat saying a letter will arrive in the mail to authorize. Filled out form. Waited 30 days called support about the letter, notoriously difficult customer service over the phone. Received a letter saying they are unable to verify my social security number. They ended up closing my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX have never had an account with this company XXXX XXXX , REMOVE from all credit agencies from reporting. XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXXAccording to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Paypal.com issues customers credit through Synchrony Bank. As a customer, when I log into Paypal.com and select the option " make a payment '', I am redirected to the Synchrony.com platform to make a payment. However, during the past " few '' ( this has been ongoing for several weeks and possibly months ) weeks, neither paypal.com website NOR synchrony bank website appear to be working properly to allow customers to make payments. Refer to " XXXX '' website to see additional customers experiencing the same problem : XXXX XXXX XXXX I have contacted Paypal.com customer service numerous times and filed a complaint. However, there is no resolution or response. Synchrony Bank does not appear to be responding to customer complaints and there is no communication being issued to address this matter. Bottom line : I am unable to use their platforms to pay my bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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 reported a fraudulent Charge on my Amazon Synchrony account in XX/XX/2023. The Customer Service Representative told me it is being investigated and I will not be responsible for the charges, not to worry. I have received two billing statements with the charges and late fees. And they have reported late payments to the Credit Bureaus. I called Synchrony again in late XXXX ( XX/XX/XXXX ) and they told me, again not to worry. Their actions are not matching their statements. In the meantime, I am continually being billed for a fraudulent charge and Synchrony has been reporting negative ratings to credit agencies impacting my credit score. I have subsequently closed my account. However, I am told I am still responsible for the charge until the investigation is complete. It has been more than 60 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and 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: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I currently own a XXXX XXXXXXXX XXXX. There is a lien attached to my title from a previous owner. The bank on the XXXX is Synchrony Bank. I provided them with information of my ownership as well as a copy of a lein release from XXXX ( Synchrony serviced XXXX loans at the time ). They refused to even have a conversation and the bank seems as though there is no workers on the inside just call takers on the outside that dont know the inner workings. Synchrony bank failed to electronically release the lein and will not provide me with a letter stating they have no financial interest in my boat. It should be noted Ive called over 20 times and never spoke to a person beyond a call taker. No supervisor or anything. Ive left 4 messages with a next level and no return call..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a synchrony bank card for Care credit. My monthly payments are due the XXXX of every month. I paid {$170.00} for my XX/XX/XXXX for the XX/XX/XXXX due date ( amount due was {$30.00} ). I then paid {$50.00} on XX/XX/XXXX for my XX/XX/XXXX payment ( {$30.00} due ). I reviews mt on line account and it showed me past due for XX/XX/XXXX and I Was charged a late fee if {$30.00}. I called Synchrony bank and was told both payments were applied to my XXXX bill That was due XX/XX/XXXX. I informed them that the payment was mis-applied. They applied the {$50.00} payment to a already satisfied due Cycle then penalized me for paying earlier by charging me a late payment of {$30.00} for paying before my XX/XX/XXXX due date. I feel it unfair business practices and hurts consumers that pay their financial obligations early.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier Master Card account. On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to request copies of ALL billing statements for the period of XX/XX/XXXX to XX/XX/XXXX. I spoke with a Synchrony Customer Service agent by the name of XXXX who said he was located in the XXXX. The customer service agent said that ALL the copies will be sent by US mail within 3 weeks. A recording of the conversation with the customer service agent was made. I did not receive to date the requested billing statements copies although it has been more than five ( 5 ) weeks since I made the request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94132
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX, XX/XX/XXXX, WAS NEVER AUTHORIZED XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, BOTH WERE NEVER AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX, was never authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have now made two attempts to send payment to Synchrony bank and they have both been rejected. They denied the accepted payment coupon/financial instrument for {$4900.00} and {$4900.00}. My most recent attempt for {$4900.00} was sent on XX/XX/2023. I also included instructions for the CFO to apply the principals balance to the principals account each cycle for set off. In addition, I provided my notarized Power of Attorney, granting me the capacity to act as the agent on behalf of the principals account. They denied my financial instrument and told me I received a letter written by XXXX XXXX on XX/XX/2023 accusing me of attempt [ ing ] to avoid [ my ] debt, which is not the case. I informed her of the following in my written correspondence XX/XX/2023, which I have attached, In your correspondence, you stated your account balance is {$4900.00}. The phrase account balance is explicitly expressed, but you also explicitly expressed that ... your obligations under the terms of your PayPal Extras XXXX account, which includes timely payment of debts incurred. Per my contract and your correspondence my obligation is to pay debts, and NOT a positive account balance of credits you are fraudulently demanding to be valid and claiming to be a debt owed. I asked to provided with proof of accounting, an explanation for the adverse action of deactivating my account, and put them on notice of dishonoring my financial instrument. They have also inaccurately accused me of attempting to avoid my debt, when I in fact provided payment. On XX/XX/XXXX, I did receive correspondence from Synchrony Bank Customer Service finally acknowledging my notarized Power of Attorney asking for a different version and that I complete a Power of Attorney Certification Form. I faxed a notarized Durable Power of Attorney and the Power of Attorney Certification Form on XX/XX/2023. I also included instructions once again to apply the principals balance to the principals account each cycle for set off. On XX/XX/XXXX, XXXX Corporate Specialist of Synchrony bank sent correspondence. He did not provide proof of accounting, or an explanation of why my payment was being dishonored and not applied to my account. He just stated You entered a valid agreement with Synchrony, upon signing the application That does not satisfy any of my requests for lawful explanation of a non-acceptance of my lawful instrument, for proof of actual accounting/validation of the debt, verification of the claim against/signed invoice, a copy of the contract, and full disclosure that my credit was created with my signature. They failed to apply my payment and requested I utilize their preferred method of check, debit card, or money order. I asked to be provided with the reason they considered my payment invalid, made them aware that they were dishonoring my instrument and in violation of 18 USC Code 8. Obligation of other security of the United States. They were breaching their contract ( Federal Reserve Act Section 16 & USC ) as a FDIC member by not depositing my financial instrument.This has placed me in a compromising position of having to risk adverse action of late payments or suspension of service, if I do not abide by the payment option they prefer, which is completely unlawful and violates the following United States Codes : laws ( 12 C.F.R. 229.21 - Civil liability and U.C.C. 3-307,103, and 4-106 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A