Date Received: 2023-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony financial Amazon Store card started charging an account security fee out of nowhere in XXXX. This is an extra fee in case a person loses their job or is unable to work due to disability or injury, and the account holder has to sign up for it. The fee is a set amount per {$100.00} on the card. I only discovered the last three charges when I went to look at my account to see if a refund was issued from Amazon, otherwise I wouldnt have known. Ive had my card for years and have had no need for this feature, and they just added it to my account without authorization on my end. Their customer service isnt open on the weekends, so Ill be calling Monday to get it resolvedbut I XXXX to see if others have had this issue and apparently its standard practice for them to add this fee without cardholders knowledge. I even checked my email and there was no notification of this feature being added to my account. One would think that synchrony would send a confirmation email if a cardholder enrolled in the program, or to see if they did so in error and had an opportunity to rescind. Please look into Synchronys practices. There are no doubt other users who are experiencing the same issue. I will follow up if my issue is not resolved with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Tjx synchrony bank credit card Company called XXXX XXXX. I was not available when they called For an account that doesnt exist. I made attempts to contact company but no way to get through to anyone, the number they asked me to call was AI only wanting me to pay the debt they say I owe. I was not going to pay for a bill from an account that paid in full and closed. This account was closed XXXX XX/XX/XXXX paid in full. I made other calls to numbers listed as customer service for TJX credit card, to no avail. All were AI machines wanting payment. No one to work with the issue to solve their mistake. Frustrated I looked up others that had these issues with Synchrony and saw Synchrony Bank was Sued XX/XX/XXXX class action settlement paid to customers {$2.00} XXXX dollars for this exact thing that they are doing to me. They are calling me about an account that doesnt exist. This is what they did to other people that won a XXXX XXXX dollar lawsuit Should I get a lawyer? My bank sent me an alert that my credit report was hit by synchrony bank. My score was and always has been XXXX up higher. It it now XXXX. This was XX/XX/XXXX and synchrony Bank made the complaint. I have all the paperwork about old account paid in full and closed in good standing. They fraudulently opened a new account and showed I owed money. This would have been in XX/XX/XXXX they opened an account I did not request and they closed my original account ..I didnt. I was shocked! My credit report needs to be restored to where it was, they are responsible to do it now. Of course they need to close the fraudulent account they reopened after my account closed. They started with I owed XXXX. In a few days they left message with XXXX Next few days it was XXXX. Is that legal? I doubt it. They are bullying customers. I also filed a complaint XXXX XXXX. No response from Synchrony Bank!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45322
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
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 XXXX XXXX I thought I was calling the XXXX XXXX XXXX for a XX/XX/XXXX show. Turns out it was some third-party outfit called XXXX XXXX XXXX sales that claimed to be the XXXX XXXX XXXX and charged me {$410.00}. I never got any receipt nor tickets nothing. As you can see from all the documents uploaded, I won the dispute and then my XXXX rebilled me I couldn't believe it. I asked why they said that scam of a company said I received my merchandise that's a lie. I have reopened another dispute but they are not working on my behalf to protect me from fraud. As you can see attached, I have 26 pages of proof to show this company is a scam and stole my money and I contacted the Attorney General in XXXX XXXX who is aware they are crooks and also the XXXX XXXX XXXX was kind enough to send a letter on my behalf showing there are NO tickets in my name. I have tried to talk to XXXX XXXX XXXX they are nasty and rude and obnoxious. I don't understand how all of this evidence isn't enough to protect me the consumer and that is why I charge things for protection, and they are not protecting me at all. They ruled in my favor and that should of been the end of it. I have been stressed for months over this. I think that all this evidence and documents is proof enough to rule in my favor and get rid of the scammers that XXXX XXXX XXXX XXXX are. I hope you can help me. I have to intention to pay the amount no matter what happens as I will not pay thieves that just want to steal my money. I have told my Creditcard this and I will close the account. It would be a XXXX shame after XXXX years to have my credit ruined of a perfect score because of Synchrony Bank. Anyone in their right mind can see it's a scam and why in the world would I but more tickets for the same venue same day same time if I had them. Seriously, this is such an injustice to me. Any help would be appreciated after this I give up but will never pay the charge, I have put my Creditcard on notice as well but like I said they don't seem to Care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
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 XX/XX/2022 I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$400.00}. A couple of says later I noticed the same item was listed for less money and I attempted to contact XXXX and ask them to adjust the price. They refused stating I would have to return the item and order a new one at the new price. On XX/XX/2022, I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$350.00}. On XX/XX/2022, I returned the first jack ( ORDER # XXXX ) via XXXX XXXX XXXX XXXX The XXXX tracking number is XXXX. The item was received by XXXX 's depot the following day, XX/XX/2022. Based on XXXX 's policy I was supposed to receive a refund within 30 days of the return. Which did not happen. My XXXX account is linked to an XXXX store card issued by Synchrony Bank ( Account ending in XXXX ). I contacted Synchrony after the 30 day period ( and after multiple attempts to resolve the issue with XXXX ). Synchrony Bank attempted to process the dispute and I have provided them multiple times with the XXXX tracking number and other information, but they continue to state that I am not providing them with information. I contacted XXXX and thety told me that on XX/XX/2022 at XXXX PM XXXX, XXXX refunded to synchrony {$400.00} to resolve the dispute. Synchrony did not credit the refund to my account and continues to deny the claim. XXXX will not process a refund stating they returned the {$400.00} to Synchrony and consider the matter resolved. To date, I have paid twice for an item, of which I only have one in my possession. I have asked both XXXX and Synchrony Bank to provide any evidence of this XX/XX/2022 transaction and neither have provided me with the information. I'm left to conclude that Synchrony has received the funds from XXXX and are keeping it for themselves without properly crediting my account. This is unacceptable and I expect to have an amount of {$400.00} credited to my Synchrony account whether from XXXX or Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76034
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted Mattress firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( Synchrony Mattress Firm ) XXXX times after the charges were paid, and were assured that this would be reconciled. Once XXXX XXXX XXXX bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account. XX/XX/XXXX - We spoke to XXXX XXXX with Mattress Firm and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months. XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX. XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months. XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed. XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}. The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion. XX/XX/XXXX We received the mattresses to complete the order. XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}. They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by Synchrony bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have credit cards with Amazon, Sam 's club, and Lowes. They are handled by Synchrony Bank. I pay these accounts on-line and schedule payments to be paid on the due date. Synchrony has now started charging me a late fee because are using the date when they process the payment and not the date when the funds are paid and available. It is not my fault that they can not process the payment when it is paid and they take a day or two later to process the payment and then charge a late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( XXXX '' ) codified at XXXX U.S.C 16186 ( XXXX ) XXXX ( XXXX. XXXX. XXXX, XXXX XXXX sup XXXX ( XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a Lowes Advantage Card with Synchrony Bank. The orgininal amount approved for was {$5000.00}. They increased my credit limit to {$6000.00} which encouraged me to purchase carpet with 18 or 24 months no interest that was solicated in the store. As soon as I made the purchase they decreased my credit limit to {$3700.00} which put me at a 97 % usage on this card and it dropped my credit score XXXX points. I called several times to increase my credit limit back to the {$6000.00} that they had increased it to or at least the {$5000.00}. They set me notice after the fact not 45 days prior to doing this unethical practice which I read on this website that it was required to be done. I generally pay more than the minimum payment on all my credit cards. I was never in default on this card. I feel very hurt by this by this unethical practice. If I pay this account in full and close this account that will also decrease my credit. This was a hard way to find out that this could happen. I feel scammed mislead mistreated and abused by this company. If I knew this could happen I never would of applied for this card! I thought Lowes was a reputaul company that could be trusted to do business with. Now it has damaged Lowes reputation too!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 289XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Between XX/XX/XXXX and XX/XX/XXXX my XXXX checking account was fraudulently debited by a customer of TJX Rewards/Synchrony Bank for a total of {$2700.00}. I did not authorize these debits nor have I ever authorized any debits from this company. As soon as realized that this had happened, at the end of XX/XX/XXXX I contacted XXXX and informed them of this fraud. They informed me that all of these charges originated with one individual by the name of XXXX XXXX and provided me with the receipts. After doing their investigation by XX/XX/XXXX they agreed to refund {$1700.00} of these charges but claimed that they are not able to refund the remaining {$990.00}. I asked for a signed affidavit from them but they claimed that they do not issue affidavits for checking account fraud, only for credit card fraud. I recently contacted TJ Max about this ( they claimed that they had no fraud dept. of their own ), so they connected me with Synchrony Bank where I spoke with XXXX in the fraud department. After providing him with the background he claimed that he was unable to help and that in order to even inquire about this he would need the approval of the individual who holds this account with them - i.e. the VERY PERSON who fraudulently debited my account using their credit card in an illegal and fraudulent manner!! I let him know how preposterous this was as this left me and any victim of fraud with no recourse whatsoever! I assured him that I would be pursuing this case in any manner I could in order to collect the money that Synchrony Bank enabled their customer to steal from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: 1. I have been charged and I paid an additional billing invoice by Synchrony Bank for the amount of {$17.00}. In order to avoid a negative report from the Synchrony Bank on my credit account. I have yet to receive any reimbursement for the complaint filed XXXX for the previous charges. 2. I have also attempted to access my account for Amazon XXXX XXXX XXXX XXXX for an purchases due to overpayments in the amount of {$250.00}. On XX/XX/2023 I have been advised by the Amazon representative that this account is not accessible because Synchrony Bank will not allow the use of the excess funds paid in the amount of {$250.00}. Kindly address these issues and respond at your earliest possible convenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A