Date Received: 2023-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I reached out to SYNCB/AMAZON numerous times agreeing to pay if the debt was validated.I sent out letters registered mail, which are attached for proof. I requested a copy of the contract binding SYNCB/AMAZON and XXXX XXXX XXXX Also statement showing they were the holder in due course. They haven't met any of my requests within the timeframe allotted. The debt was not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/2023 Dear The purpose of this letter is to inform you about a credit that I have with Synchrony Bank XXXX. I opened a credit card with Synchrony Bank in order to take advantage of the promotional offers they have available and to establish an excellent credit rating. I have been using the card responsibly and paying off my minimum balance each month in full. Due to the fact that I was out of work for a few months, my finances were affected, which caused me to seek assistance from the state in order to cover my monthly costs. To ensure that I could remain financially stable, I applied for and was granted public assistance to help pay for my living expenses. As a result, the bank was alerted to this situation, According to the calculations, the maximum credit limit for this account is XXXX dollars i was paying exceptional well a minimum of XXXX per month. Banks use credit limits to ensure that customers do not take on too much debt. With the bank being aware of my public assistance status, I was able to remain financially stable and not take on more debt than I could handle. The fact that I was paying a minimum of {$35.00} a month further reassured the bank that I was doing my best to stay financially responsible. My late fee has increased to XXXX, which is equal to {$75.00} per month, when I can only afford the minimum of XXXX. Although I was doing my best to keep up with my payments, I was still charged a {$40.00} late fee by the bank. After calling the customer service number to speak with management, despite my efforts, the bank still imposed an unreasonable penalty, so I took the extra step of phoning the customer service line to try and reach a higher-up, yet the wait time was unmanageable. I am charged {$75.00} per month if I am late with my payments, and if I fail to pay by the due date, the bank will report me to the credit bureau. Whenever I reach a certain amount to clear the late fee, I would have to repay the amount on the late fee on another payment date in the future, which would lead to me being charged a late fee the next month. This creates a situation in which I am paying more for being late and the cost is increasing each time I miss the deadline. The credit card continues to accrue debt each time I have to pay the minimum late lee There needs to be some type of negotiation plan because i could possibly have a XXXX balance by the end of this year, but these late fees are creating a great deal of stress and I am fully committed to paying them back. I regret taking out this credit card the day it was issued because it adversely affected my credit score. This late payment of XXXX dollars is too much for a minimum monthly payment of XXXX dollars. The issuer of this credit card has reported the late payment to the credit bureaus, which could have negatively affected your credit report. Additionally, the issuer may have applied a penalty rate or late fees, which could have made it difficult to pay the minimum monthly payment. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony Bank needs to give me access to my XXXX ( # XXXX ) and CareCredit ( # XXXX ) card accounts. Its system does not recognize my login. For my CareCredit account, I have to log in as a guest. Before I received a paper statement, I could not do the same for my XXXX account because I never had a physical credit card. I didnt know the 16 digits of the card to log in as a guest. Through other cards, XXXX and XXXX credit cards, I have received unauthorized charges for purchases on XXXX. For this reason, I have to verify if the statement is not fraudulent. Synchrony XXXX Credit card On XXXX XX/XX/XXXX, I received an email from Synchrony Bank stating I had a {$32.00} balance. Because I last used the card quite some time ago, I tried to log in to verify the charges, but the system stated that the account was unavailable at that moment and that I should try later. I didmany, many times. I contacted Synchrony XXXX customer service and could only reach their electronic system. I needed help getting a human customer representative to reset my login information. I contacted them many times by phone. Once, I could talk to someone who immediately transferred my account to XXXX customer service instead of XXXX Synchrony Bank. The XXXX representative stated they had no access to my XXXX Synchrony Bank. Again, on XX/XX/XXXX, I received a new email stating that my balance was now {$62.00}. Once again, I contacted the Bank through their website and by phone. When I logged in, their website kept giving me the same message : It was unavailable, and I should try later. This time I took a picture I am attaching. Once again, on XX/XX/XXXX, I received a new email with a {$100.00} balance. On XX/XX/XXXX, it increased to {$100.00} None of the attempts to login into my account or to talk with a human customer representative have been successful. The emails only provide the last XXXX digits, but I needed the whole account number to log in as a guest. Due to their lack of available customer service for their clients, I still need to be able to verify if the charge is mine or if it is fraudulent, as have been the charges in my XXXX and XXXX credit cards. A week ago, I received a paper statement that included the XXXX digits needed to log in as a guest. I paid the original {$32.00}, even though I wonder if it is a valid charge. Synchrony XXXX has seriously damaged my credit score. They reported a lack of payment, and my score dropped XXXX points. Synchrony CareCredit card On XX/XX/XXXX, I accepted a CareCredit XXXX XXXX XXXX in which I would not pay interest for six months. In XX/XX/XXXX, when the promotion expired, I tried to login into my credit card account, but it was freezed. After several login attempts, I could not pay the monthly charge and received a late fee ( {$29.00} ). The Bank locked me out of my account, and I could not transfer the balance to another card, as it was my intention when I tried to pay my bill. On XX/XX/XXXX, CareCredit received a Balance transfer of {$3600.00} from my XXXX Account, which paid the balance in my CareCredit account in full. After receiving the full payment due on XX/XX/XXXX CareCredit, it charged me {$700.00} in interest. Attempts to contact them by phone were unsuccessful. Their electronic Answering system does not allow talking to a human that can resolve any problem the customer needs to address. Since XXXX, once or twice a month, I have contacted CareCredit by phone to fix my login information because it is difficult to go around their system to pay my bill as a guest because I do not have direct access to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/23, I received a letter from Synchrony Bank dated XX/XX/23. They stated that my account has been closed for " The number of dishorned payments on this account. '' I have autopay setup and never was told that payment has not gone through. Reviewing my account I do not see a missed payment. This closure will adversely impact my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is a credit inquiry for synchrony bank and I got a letter that states my identity couldn't be verified but I still have a hard a inquiry on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60164
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Fully endorsed coupon payment tendered to supplier and was not applied. Amount {$2000.00} sent certified mail and delivered XX/XX/22 tracking # XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022 I applied for a CareCredit card through Sychrony Bank. I received one. In early XXXX I started looking into what it would take to get a mortgage and found out that Synchrony Bank ran 3 hard credit inquiries on XX/XX/2022. This was noticed after a XXXX XXXX ran my creidt. I have asked Sychrony Bank to correct this but keep getting letters stating that I applied for the card and that's why it was pulled. This is true it should have one ( 1 ) hard inquiry from them, not 3. I have had them admit on the phone that it was done in " error '' but nothing is being done and they have again sent me a request asking for a copy of the credit report that shows the error ( when they have already seen it and admitted it ). I sent them a copy of a portion of my XXXX report which shows the 3 hard inquiries from Synchrony Bank on XX/XX/XXXX and then the XXXX XXXX hard inquiry which was negatively affected by the 2 additonal hard inquiries that were done b y Sychrony Bank. I again received another piece of correspondance asking for more inform ation but I sent them all of the information via certified mail which I have confirmation of their receipt. This has cost me literal hours on the phone with them ( I have proof of this ) and potentially mortage rate issues. I never consented for my credit report to be pulled 3 times, I consented to one time and they have given me different stories as to why this was done and what they intend to do about it. I would like to file a complaint and pursue penaly damages. Thank you for your assistance with this. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX 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: XXXXX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had a Lowe 's Credit Card since XXXX. My last purchase was in XXXX. I placed an order for a stove on XX/XX/XXXX. The order and payment method was approved. I only recently found out that the account was closed on the very next day, XX/XX/XXXX due to inactivity. The only response I have gotten is that I have to reapply for the card. However, the credit limit would be lower than what I previously had. The account being closed due to " inactivity '' doesn't make any sense if it was done so only after I placed an order. And now I am being told that there is no way to reopen the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78542
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/23 I went to make payment on my credit card and noticed that my credit limit had been reduced from {$8000.00} to {$4200.00}, which was very close to the balance that was on the card. I attempted to reach out to a customer service representative via chat and informed them I was recently released from being hospitalized for 3 weeks from a motorcycle accident. I was informed to call the customer service, which I called twice and was hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: NEVER USE PAYPAL! We purchased an electric lawnmower for {$2200.00} using PayPal. This turned out to be a fraud. We never received anything! We filed a dispute in XXXX of XXXX with PayPal. Paypal agreed it was fraud and reimbursed us. Then they billed us for the no show lawnmower again and our auto pay from our XXXX XXXX automatically paid PayPal for the incorrect charge. We have been filing disputes and getting refunded and re- billed ever since. We have spent hours and hours trying to resolve this. We have all the documentation to prove we do not owe PayPal anything, in fact, they owe us for interest they charged and {$50.00} they neglected to reimburse us. Now Paypal has charged us twice for this and our account reads that WE owe THEM {$4500.00}!!! We are a retired couple on XXXX income. My husband is XXXX with XXXX. This grievous abuse is causing us so much stress. PLEASE PLEASE HELP US!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98671
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A