Date Received: 2023-03-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have several accounts serviced by Synchrony Bank. Some of these I have had since the 1980s. They were all closed with no warning, call or email.They had been on time and were on auto pay. It has caused a considerable amount of mental anguish, embarrassment and humiliation. You cant speak to a human so any contact is usually just a bunch mumbo jumbo XXXX. I have never been so shocked in my life when I needed to uses a CareCredt card at the hospital and the account was closed. Payments had been on time and I had plenty available credit. Some accounts had a XXXX balance were even closed. What can be done to punish or reprimand this agregious bank? Looking at their social media shows everyone is unhappy with the way they treat customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: 1. I am writing again because my complaint has not yet been resolved with CareCredit/Synchrony Bank . Within 60 days they agreed to send me the document of who created the account requesting the CareCredit/Synchrony Bank card . Reminding CareCredit/Synchrony Bank , who wrote to CFPB confirming earlier that it was requested by the medical office and its staff. Which is the truth, 80 days have passed, and they have not sent me who was responsible. I ALSO REMIND CARECREDIT/SYNCRONY THAT I HAVE NEVER CREATED A CARD IN SPANISH I DON'T READ SPANISH I SPEAK A LITTLE I AM NOT A TRANSLATOR AND DID NOT UNDERSTAND WHAT HAPPENED FROM THE BEGINNING. 2. RECEIVED A LETTER FROM CARECREDIT/SYNCHRONY BANK XX/XX/XXXX. CLARIFICATION OF YOUR LETTER WHEN WROTE MY CLAIM TO CFPB IN XXXX I WAS AT XXXX I DID NOT KNOW WHERE THE SCAM CAME FROM BECAUSE I DID NOT APPLY FOR THE CARECREDIT/SYNCHRONY CARD AND DID NOT UNDERSTAND HOW I WOULD DO IT MY CLAIM. XXXX XXXX DID NOT UNDERSTAND EITHER BUT TOLD ME SHE WOULDN'T PAY EVEN {$1.00}. Dollar MORE TO CARECREDIT/SYNCHRONY BANK I THOUGHT MY CREDIT WILL BE AFFECTED BECAUSE SHE SAID THAT SHE PAYED INTEREST TO CARECREDIT/SYNCRONY BANK BUT THE INSTITUTION SAYS THAT INTEREST WAS NOT PAID AND THEY DID NOT EXPLAIN ANYTHING TO ME. WHEN I CALLED CARECREDIT THEY HANG UP MY PHONE " I RECEIVED THAT TREATMENT, THEY JUST SAY I HAVE TO PAY ''. FANNY FOUND WHERE TO COMPLAIN ABOUT SCAMS AND ARRIVED ON THE CFPB PAGE. I PASSED ALL THIS WITHOUT HAVING REQUESTED A CARD AS I EXPLAINED ABOVE IN MY CLAIMS. CARECREDIT/SYNCHRONY BANK TO ANY CUSTOMER WHO RECEIVES {$1000.00} PER MONTH. APPROVES A CREDIT OF {$4000.00} IN MINUTES. That does not exist, it is a rule in every financial institution to verify data and income. IN MY LETTER I WRITE TO CFPB THAT I RECEIVE SOCIAL SECURITY WHICH I CAN SHOW THAT I RECEIVED {$1000.00}. AND HOW DO I APPROVE CARECREDIT/SYNCHRONY A CARD WITH AN AVAILABLE OF {$4000.00} IN MINUTES Observation! IF I APPLIED FOR ( A CARD ) I WAS SUDDENLY QUALIFIED FOR XXXX or XXXX I DID NOT QUALIFY FOR A {$4000.00} line of credit. Also, at that time that I was in debt with other cards, it was impossible to approve that amount. But the medical office in accordance with CARECREDIT request a card and approve it in minutes using my name TO BENEFIT THE MEDICAL OFFICE AND CARECREDIT/SYNCHRONY BANK. 3. Point clarified in XX/XX/XXXX, they withdraw the {$1500.00} of interest, CareCredit/Synchrony Bank finally explains to me that they do not charge interest ( WHEN PAYMENT ON TIME AND IN 24 MONTHS, THEREFORE THEY LOOK AT MY PAYMENT RECORD AND INFORM THAT I PAY THEM ON TIME EVERY MONTH EXCEPT FOR THE PROMOTION MONTH. THAT MONTH I RECEIVED A CALL FROM CARECREDIT/SYNCHRONY BANK TO INFORM ME OF A MONTH FREE OF PAYMENT AND WITHOUT PENALTY DUE TO THE COVID PANDEMIC THEN CARECREDIT CLASSIFYED THIS MONTH AS LATE PAYMENT TO PLACE ADDITIONAL INTEREST OF {$2000.00} I STILL KEEP THE RECEIPT WHICH WAS REMOVED THANKS TO THE INTERVENTION OF CFPB ) 4. Point not clear IN XXXX WHEN EXPLAINING CARECREDIT/SYNCRON WE LEARNED ABOUT THE FALSE INTERESTS FROM THE MEDICAL OFFICE. XXXX XXXX immediately contacted the medical office, she thought that there was an error by her staff when billing, but it was not like that, what happened there is a scam, the medical office changed the price ( All this and with proof of prices, she explained in her claim ID XXXX - XXXX of XX/XX/XXXX that did not cost that price ) Synchrony Bank does not protect the consumer either. XXXX XXXX filed the complaint with the CFPB, but CARECREDIT / SYNCHRONY BANK says that she does not recognize her as a client, but they did RECEIVE THE MONTHLY PAYMENT FROM HER XXXX DEBIT CARD which shows that she paid. At the time of the first letter, I was unaware of the ( doctor 's office ) price scam. I will also follow my claim in other institutions until I am heard. CARECREDIT/SYNCHRONY BANK harms and takes advantage of clients as a business where professional ethics is. XXXX XXXX could pay with her cards because medical office solicitous a card that she did not need, to increase the price and benefit and using a practice of lying and deceiving the patient at a difficult time. 5. They have not yet credited me with the sum of the {$900.00} dollars that they owe me. If the price of the medical procedure were correct, I would not complain, but here is a scam in the price of the procedure performed, first the doctor 's office declares that it is interest when the lie is discovered, they declare that it is the price. Therefore, the evidence from another medical office was sent to the CFPB where a price quote for the procedure was previously requested in XXXX, and 3 other institutions were also consulted. They are outraged by the excessive charging by the medical office at a difficult time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I CHECKED MY CREIT REPORT AND I SEEN THAT I HAVE SOME INQUIRY ON MY CREDIT REPORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT WHERE THEY ARE SUPPOSE TO CALL TO MALE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL. Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit card and travel / entertainment companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: We financed some furniture from a XXXX 's XXXX, and were approved for an amount of credit higher than our purchase amount. They mentioned that we would be able to add future purchases onto this loan, up to the credit limit. Not long after, we received a credit card in the mail branded with the " XXXX 's XXXX '' logo and colors. It was our assumption that this was the store account we would be using to make our monthly payments on. When we accessed the account online using the directions in the letter, it was noticed that the balance of the account was at {$0.00} and the amount of credit was different from our loan amount. We realized this was a credit card through Synchrony, but we had never applied for this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78224
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I CHECKED MY CREDIT REPORT AND SEEN THAT SOMEONE HAS BEEN APPLYING FOR CREDIT AND I HAVE NO KNOWLEDGE OF THIS AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT FOR FRAUD. Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXXOHXXXX Phone number XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, while I was on the phone with a Synchrony representative, I made a payment of {$190.00} to pay off the promotional purchase of {$190.00} I had that was subject to interest charges. I told the representative to apply that full payment to the full balance of the purchase and to ensure my automatic payment on XX/XX/XXXX of {$270.00} was not impacted. He verified that the payment would pay off the promotional purchase charging interest ( so no interest would be charged ) and my automatic payment would draft as normal. On XX/XX/XXXX my automatic payment drafted for {$58.00}, {$190.00} less than my normal automatic draft amount, and both payments were spread across all purchases. So the one purchase I had charging interest was not paid off as requested. Now I've been charged interest on a balance that I specifically requested be paid off. I've now called three times trying to get this corrected and nothing has been done on my account. Synchrony even sent me a letter on XX/XX/17 saying that I did not make any payment. I feel like this is fraud on Synchrony 's part, and the company is purposely not applying my payments correctly so they can charge me interest. My purchase with interest charges should be reflected as paid in full and my automatic draft amount should draft as normal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I CHECKED MY CREDIT REPORT AND SEEN THAT I HAVE THESE INQUIRY ON MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF AT ALL I ALSO HAVE FRAUD ALERT ON MY CREDIT REPORT AND THEY ARE SUPPOSE TO CALL TO VERIFYTHAT IT IS ME AND DID NOT nquiry date XXXX XXXX XXXX Removal date XXXX XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX,OHXXXX Phone number (XXXX) XXXX-XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I CHECKED MY CREDIT REPORT AND SEEN THAT I HAD THESE INQUIRY THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY REPORT Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX Contact info Address XXXX XXXX XXXX XXXX, TXXXXX Phone number ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I have Traditional and Roth retirement accounts at Synchrony Bank. On XX/XX/XXXX I put in motion moving the funds to XXXX XXXX XXXX because the rate they offered was almost double. I filled out all the necessary transaction paperwork on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX mailed the transfer paperwork to Synchrony Bank. After 3 weeks I called and Synchrony said they didn't receive the paper work. I then had XXXX XXXX fax the documents in mid XXXX, they only faxed the traditional docs and I had to followup on XX/XX/XXXX where they faxed the Roth docs to Synchrony. I called today XX/XX/XXXX and Synchrony said they are working on it in their " back '' office where you can't speak to anyone. They also maintain that it takes up to 15 business days to process the requests. I'm already 5 weeks into this and it looks like several more. Am I missing something here???? What if I needed the funds? I've spent hours on hold with no resolution and it seems to just go on and on.
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: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I found out about the debt through a credit report. I called and mailed a letter to the company in XXXX of 2023 but haven't gotten a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A