Date Received: 2024-01-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I tried to pay my Crate & Barrel credit card with my savings account using their online portal on XXXX XXXX. It was rejected. I called them and they said that the account number was incorrect the representative said it did not matter that it was a savings account. I checked the account number and tried again. It was rejected again. I called again and they then told me that they did not take payments from a savings account. I said I could write them a check but it could not be processed as an ACH it would have to be deposited. The rep did not know how to tell me to do that. I reviewed my bill and there are instructions on the back of their bill on how to do this. You write a paper check and mail it to the address on the back in your OWN envelope. Which I did. I didn't even include a copy of my bill to be sure it would not get processed incorrectly. I put my account number on my check. Synchrony received my payment of {$4900.00} and attempted to process it as an ACH on XX/XX/XXXX. It was kicked back. At this point I had interest fees as well as late charges on this account. I called and spoke to them and they did remove the late fees and interest fees associated with my Crate & Barrel card. I paid the balance of the Crate & Barrel card in the amount of {$5100.00} on XXXX I have two credit cards for two different stores with Synchrony. They closed both of these accounts which has affected my credit. I called and spoke to them multiple times and have spent HOURS trying to get this sorted. They said I needed a letter from my bank however when I called my bank my bank has no record of the check ever being presented because it was done ACH therefore there is no letter to write. I ask Synchrony for a copy of the deposited check to be mailed to me but that could not be done ( because it was tried to process ACH ). The funds were in both accounts both times I tried to pay! I really don't care about having these credit cards. However, I DO very much care about my credit. Number one, it does not state anywhere that you can not pay online using a savings account. I use this same savings account to pay my XXXX bill so I know it can be used for electronic payments. In addition to that their own customer service reps. ( one of which was a manager named XXXX XX/XX/XXXX ) doesn't even know this. Secondly, I followed the directions on the back of THEIR bill in order to get this paid not as an ACH. In no way should their incompetence be allowed to affect my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have asked over several months for additional payments I made aside from my monthly payments to be allocated to promotional payment balances on my account. These payments were not allocated as I requested despite asking repeatedly. The company also claims that it takes XXXX billing cycles to reflect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78744
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Care credit was paid off XX/XX/2023. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with XXXX XXXX ( XXXX ) and XXXX ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: SYNCHRONY BANK is in violation of multiple laws set forth by Congress in regards to the following account XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( SYNCHRONY BANK ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SYNCHRONY BANK ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. SYNCHRONY BANK can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from SYNCHRONY BANK for the cancelled debt in order to file as ordinary income. Where is my 1099-C? SYNCHRONY BANK is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! SYNCHRONY BANK has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In SYNCHRONY BANK terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX are not an affiliate of SYNCHRONY BANK nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the XXXX XXXX XXXX XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. SYNCHRONY BANK must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account # XXXX. Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( XXXX ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I made an original purchase in XXXX, 2023 of one dishwasher. I used my Lowes credit card to receive the discount. The first statement showed a purchase of 3 dishwashers. I have been back and forth with Synchrony, Lowes management all the while being told my dispute was resolved. I continue to get statements showing I have a balance. I paid off the one dishwasher I initially purchased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: CareCredit Website : Promotional Purchases : If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date : I had Three promotional balances that were due by XX/XX/XXXX. One in the amount of {$290.00} and the 2nd in the amount of {$310.00} and another the 3rd one in the amount of {$290.00}. Promotional Expiration Date Promotional Balance : Deferred Interest Charge Tran Date Description Initial Purchase Amount XX/XX/XXXX as of the XXXX XXXX XXXX billing statement. I made a payment of {$310.00} on XX/XX/XXXX which paid off the 1 of the XX/XX/XXXX charges in the amount of {$290.00} and the left over amount of {$21.00} was applied to the XXXX XXXX XXXX promotional balance of {$290.00}. I then made another payment in the amount of $ {$190.00} on XX/XX/XXXX but that payment was applied to a promotional balance dated XXXX {$320.00} but none of these payments I have made since XXXX XXXX and were applied to the promotional balances for both the 3 for XX/XX/XXXX and the 2 for XXXX XXXX add up and make sense
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am attaching a copy of the previous complaint # XXXX, I responded to the creditor stating that they agreed to a repayment/recalculation of debt via XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX . Lowes/Synchrony states that I needed to make a minimum payment of over {$1000.00} when I signed up for XXXX to keep the account from going to write off status. I was never told by XXXX or Lowes/Synchrony bank that even though we established an agreement with Synchrony to pay off the debt at a lower rate and a fixed lower monthly payment ; I was NEVER informed of {$1000.00} minimum to start. To be quiet honest, If I knew Synchrony was going to ruin my credit and report this as a write off even though a contact agreement was established, I would have never paid them another dime. What is the point of a repayment plan if they make up the rules on their end and not tell the consumer? I am requesting again, a copy of the agreement established between Synchrony/Lowes and XXXX XXXX XXXX XXXX XXXX ) XXXX I am also disputing this again with the credit bureaus because Synchrony likes to play games and wait to the very last minute to respond, and all they do is reply with " verified ''. This is my last attempt to obtain the copy of the contract before I proceed with legal matters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, the consumer and natural living person, was denied credit by Synchrony Bank when I applied for a credit product with Belk. Denial of my rights to credit is against the law according to the Equal Opportunity Credit Act and you are subject to criminal liability for violating 15 USC 1691 as I have pr oof I was discriminated against by Synchrony Bank due to the response I received. I, the consumer, made an application in good faith, but credit was not issued. Hence, Synchrony Bank is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002. Because my social security number ( credit card ) was used and I received NO Benefit from entering this contractual agreement. This is proof of securities fraud and unauthorized use of my personal credit card by Synchrony Bank. If Synchrony Bank denies to make any reasonable effort to remedy this situation and compensate me for the use of my securities ( credit card ) I will make Synchrony Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. Failure to remedy this situation will result in an invoice for {$1000.00} per violation. Thank you, XXXX, XXXX XXXX ( Agent/Beneficiary ) Without prejudice All natural inalienable rights reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I were charges a " security fee '' i was unaware that this was on my accounts. I wanted a refund on this and i was told i paid in over XXXX XXXX and they said they would only give a refund of XXXX on one card and XXXX on the other. This was something that i was unaware that i had i was under the impression it was an interest fee this was NOT something that i wanted and i want the money returned. It was in the agreement buried that was auto clicked that apparently would need to deselect. This fee then accumulated interest that made it so my balance never went down casing hi credit utilization that was almost impossible to get down making it reflect poorly on my credit score/loan applications. This is a very shady and predatory. They state that they will call back no calls back. I am writing this complain to hopefully get this resolved prior to my appt. with an attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XXXX XXXX, 2023 I made a purchase of almost {$2000.00} through PayPal 's 4 installment plan. Instead, PayPal, without my authorization, automatically opened a PayPal Cash Back XXXX XXXXXXXX XXXX XXXX in my name, and placed the charge on that credit card. I have not received the card, nor have I activated the card as requested on the PayPal website. I phoned the PayPal Fraud Department, and they indicated they would investigate and report the issue to the " credit bureau. '' I attempted to explain that that the product was purchased under the 4 payment plan, but I gave no authorization and made no application for a PayPal credit card, or for the use of one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94401
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A