Date Received: 2023-03-09
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: On or about XX/XX/XXXX a purchase of a XXXX XXXX was made by XXXX XXXX on Amazon with his Amazon store card owned by Synchrony bank in the amount of {$970.00}. On or about XX/XX/XXXX Amazon then delivered a product not matching the description of the product ordered. The picture of the product didn't match, nor did the stated features. Shipment was rejected and not accepted by XXXX XXXX upon inspection that same day. Proof of non acceptance attached. On or about XX/XX/XXXX Seller of Amazon offered a {$50.00} discount to resolve the non acceptance/wrong item. On or about XX/XX/XXXX Amazon picked up the item and stated they received the item and would processed the refund in 3-5 business days. Proof of Amazon stating they received the goods attached* On or about XX/XX/XXXX XXXX XXXX XXXX a dispute with Synchrony Credit per their guidelines pertaining to the XXXX XXXX On or about XX/XX/XXXX Synchrony Credit sided with Amazon due to Amazon making fraudulent statements in their rebuttal which can be disputed with proof. Amazon lied and stated that we never rejected the shipment. However, since Amazon owns Synchrony bank no fair consideration was given to factual proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84414
Submitted Via: Web
Date Sent: 2023-03-09
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: Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$650.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11570
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: This complaint is regarding all three accounts with Synchrony Bank : XXXXXXXX XXXX XXXX, and Synchrony Home. XXXX and Home had limits of over {$1000.00} and Mattress was {$750.00}. I got these cards to assist with repairing my credit report. I paid these accounts on time. However, during the pandemic, credit card companies started lowering balanceswhich wasnt fair to consumerswhich caused a snowball effect to those of us in the XXXX XXXX XXXX. The lowering of balances negatively impacted my credit score which caused Synchrony to lower balances further and eventually closing, XXXX XXXX, account. All of this despite timely payments and a complete paying off all three accounts in XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I accidentally paid my credit card twice, and I called them to let them know. I was paying the full balance as of XX/XX/XXXX and balance should've been {$0.00}. I called them to notify them that I accidentally pressed pay twice and they said I have to call my bank after the charge is made. When I saw it on my bank statement, I checked my credit card and found they credited the extra charge to my account. The problem was, that the {$3100.00} they should've credited, was now, {$2400.00}! I checked my purchases that I made last night, and they added up to about {$270.00}. How could my balance that was credited to my account be {$2400.00}? I tried to check my statements, There aren't any! They just show the charges, but I feel that based on my charges and payments, I may have been overcharged since I've owned this card. I don't want to use this credit card anymore. They are dishonest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70043
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I continue to receive statements from my Synchrony-Care Credit despite the account being closed and paid in full as of XX/XX/XXXX. I have a statement, closing date of XX/XX/XXXX, stating there is a balance of {$4000.00}, including late fees. I have attached a copy of the statement and a copy of a letter from XXXX XXXX, Senior Specialist with Synchrony Bank 's Corporate Consumer Relations. This letter is dated XX/XX/XXXX and is her response to my first CFPB complaint, Case # XXXX. In this letter she acknowledges that the account has been paid in full, but she also notes that any statements I receive were done during the account settlement being processed. Why am I still receiving statements if the account has been processed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I HAVE TRIED SEVERAL TIMES TO REACH SYNCHRONY BANK AND IT IS A CONSTANT LOOP WITH NO SOLUTION. SYNCHRONY BANK HAS BEEN COMPROMISED!!! I HAVE HAD 3 CARDS IN THE LAST 7 DAYS - ALL SYNCHRONY BANK CARDS- COMPROMISED. SOMEONE HAS CHANGED THE MAILING ADDRESS & REQUESTED NEW CARDS FOR MY DICKS SCORECARD ( 3 TIMES ) ACCOUNT, TJMAXX ACCOUNT AND VENMO. I HAVE CLOSED ALL ACCOUNTS AS I NO LONGER TRUST THE SECURITY SYSTEM SYNCHRONY BANK UTILIZES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03431
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 1. Synchrony Bank is illegally trying to make 2 MC credit cards into general-purpose credit card store cards like Lowes or XXXX XXXX XXXX 2. Today 's date, XX/XX/2023. I checked my available credit on my Sam 's Club MasterCard. I sent in a payment of {$700.00}, but I only had the available credit of XXXX available on the card when I looked up it online, the XXXX Dollar payment has got there. The available credit was wrong and the available cash was wrong also I called the XXXX number of Synchrony Bank ( Sam Club ) and then they just released the hold with no reason at all. Then my available credit jumped up to {$800.00}. But the available cash stayed the same and I was not given a good reason why there was a hold on my available credit I also paid a bill, and a Synchrony Bank credit card ( Walgreens ) while online the web page asked me to use another checking account to make a payment. both these cards Sam and Walgreens which are under Synchrony Bank are trying to tell me how, when, and when to spend my money. And when I speak to them on the phone, Im not going to pretend to be happy about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The name on the account does not match my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I bought a warranty plan for my hot water heater, that was supposed to cover product replacement and installation. the water heater started leaking and Lowe 's told me, that they could not find a service provider in my area to install or fix the heater. They paid for the new hot water heater with a Lowe 's card {$620.00} which was {$10.00} short for the newer model after finally getting back to me after 2 weeks and water running in the tenants home. They sent me a second card with the wrong name and I had to pay {$800.00} plus new hoses for installation out of pocket. This whole ordeal took 1month, during which the water kept running into the house. This can be validated by XXXX XXXX, a manager at a Arizona XXXX 's who did her best to help us for more than an hour.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Synchrony bank keeps doing an ACH directly from my checking account every day for {$2100.00} but my monthly auto pay is only {$100.00}. I don't even owe.more than {$360.00} on the account. They keep telling me it's my banks problem. Someone is using my account number and bank routing number to pay their synchrony/Lowe 's bill. My bank has to stop processing the payment every day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48316
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A