Date Received: 2023-03-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit score went down XXXX points on XX/XX/XXXX for no reason. I need someone to investigate this as it is unfair and unjust. Only thing I can see is the high balance from synchrony bank states a balance of {$5000.00} from XXXX to XXXX and that is not the case as I only owe {$230.00} and made payments monthly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48382
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank closed the 7 accounts I had with them in standing. When I inquired they stated there was an issue on my credit report. My credit utilization was 13 % no payments had been missed or late. I have had these cards for years without issue and it now appears I am no longer a good customer. My credit utilization thanks to Synchrony is now at 23 %. I worked very hard to keep my credit in good standing with low utilization. I recently had XXXX XXXX XXXX done and used care credit for XXXX. This appears to be what triggered this. Please look into this I do plan on sending the letter, when I receive it to my attorney. It appears they want to extend credit but when used they close all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Synchrony bank with XXXX reported a tradeline/credit card on my credit report which I am disputing the validity due to the inconsistencies accross the credit bureaus. Account status is showing as 120 days at XXXX and XXXX while the only months reported lates are XXXX and XX/XX/2022, XXXX has an additional month of XX/XX/2022 as late which makes them reflect a 90 days late status. A mention of the account being paid is posted in XXXX while XXXX is showing as charged off and nothing but late for XXXX. The same situation applied to a Paypal tradeline on my 3 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02048
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85353
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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 recently went to a XXXX XXXXXXXX for XXXX XXXXXXXX and I chose carecredit to pay for the XXXX XXXX that I would need to resolve this health issue. I was told that I could pay {$65.00} a month for 2 years with no interest if I used carecredit. I received an electronic bill and I paid the {$65.00} on XX/XX/23 as I was told to do. A few days later I checked my checking account balance and I was charged for the full {$1900.00} by CareCredit. I called CareCredit and I was told that I would be refunded the {$1900.00}. In the meantime, my balance had dipped below {$0.00} and I was started to receive overdraft charges and it was cascading into affecting my credit cards and my financial profile. A week later I still did not receive the {$1900.00} refund that I was told I would be receiving. I called again today, XX/XX/23, and at first I was told that there was no record that I would be receiving a refund. The person that I spoke to then spoke with a manager and told me that the funds were on hold, that it would be released tomorrow, and that it would take 5 days for it to be sent out. CareCredit mischarged me for {$1900.00} in a quick second and now it is most likely taking over 3 weeks to get that refund. This is unacceptable for a credit card in this day and age. Please let me know what else that I can do as CareCredit, I thought, was a company designed to help people pay for medical/dental services that they would otherwise be unable to afford. I would never have even purchased this dental appliance had I known that I had to pay for it all at once. I did everything that I was supposed to do. CareCredit has not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to SYNCBXXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is XXXX responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from SYNCBXXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. Reporting agency : XXXX Hard Inquiries XXXX via SYNCXXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43065
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: 2023-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. Synchrony bank is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This synchrony Bank credit card is a medical credit card which I used for a dentist. By synchrony bank, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93422
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Got a letter from Synchrony Bank saying I was denied a CARECREDIR card issued by them due to insufficient credit history. When trying to call the number listed : XXXX as I never applied it asked for my full social security which instantly seemed like a scam. I did not proceed with the card and I looked up online for CARECREDIT and was met with a different number and AI voice director. I am assuming this is a scam to get information but I do not want to throw it away. I have pictures of the letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64093
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Hello, Ive been receiving none stop phone calls from this number with NO voicemail early mornings everyday from XX/XX/XXXX to now. They have to remember that we still have to WORK and cannon answer the phone. I work in the medical field which requires a high demand of my time. I also receive a lot of spam calls. If you do not leave a message or if its not a phone number I recognize I do not answer. Creditors can also contact me via email which has not been done. Then j check my credit report on an account that has been closed since XX/XX/XXXX stating I missed a payment which knocked me down XXXX?? Im not understanding this process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Care Credit Synchrony Bank, I applied and was accepted for 0 % interest in XXXX. I already had an account for years but they closed it and never notified me. The only reason I applied was to get my account back and a 0 % offer. I was approved and used the card and was charged 14.9 %!!! Synchrony Bank would not help me, claimed it was the providers fault. The provider said they used 0 % and told me Synchrony Bank would not help at all and correct the huge error that was not the providers or my fault. I would have never applied or used any card that was 14.9 %. Never. Then they made my payment due right away and didn't notify me. Reported a late payment and charged interest multiple times. I will never use Care Credit again. This hard inquiry cost me lowered points on my credit score that I work hard for!! I feel like this was a total scam. I want the card and interest rate rescinded and my credit score restored to what it was prior to applying. I had a drop in like XXXX points!!! Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A