Date Received: 2023-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am making a dispute against SYNCB/CARE CREDIT in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Company decreased limit by just enough money to make cover the balance on the card. There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. I am an XXXX who makes most of my yearly income from XXXX XXXX, I use my cards throughout the year and pay them down completely during these months. Reducing my credit line now to put me close to the balance shows on my credit report as an extreme negative with my balance near 100 %, this is not only extremely negative to my credit report but my overall credit wellbeing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper use of credit info without written communication
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I totaled my vehicle finance through synchrony bank back in XXXX. Synchrony bank has giving me a problem with paperwork for insurance company since XXXX. I have gotten 60 days late payment. All because their system is over the phone only they dont take my bank debit card for payments. Its been a headache since I purchase the vehicle last XX/XX/2022. I talk to one nice gentleman that got it all done in 2 business days. After it has ruined my credit. Im so heartbroken. I worked so hard for my credit. They will not even get the credit bureaus to take it off nor will they take off all the late charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30125
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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 opened a dispute on XX/XX/XXXX with Synchrony Bank for the Broken Merchandise I received from Amazon, First I tried due diligence with the merchant to have exchange the Broken/defective product I received from them, the merchant denied me to exchange or return the product I purchased no leaving me option than file a Dispute with the Credit Card Company Synchrony Bank XXXX On XX/XX/XXXX, I spoke with a supervisor name XXXX ( 7XXXX ) Pacific time, I explained him the situation on the Dispute, even I mentioned him I did sent Photos of the Broken/defective merchandise on the Bank website, However I have not received any answer from their dispute department. I reported if the Merchant wants their broken item back, they need to send me Free Shipping Level because I don't feel right to pay off my pocket for the shipment in a broken Item, I received with more than 150 Lb weight or to have the merchant exchange me its defective product. XXXX acknowledged my Inquire and promise me to resolve this issue, as the time goes this issue never got resolved because I never received any information from their dispute department stating it got resolved, instead I been receiving emails trying to collect money from that purchase. So Today I contacted Synchrony Bank again I requested to speak with a Supervisor because the Fact its been almost 2 months and not information was given by the bank in regards my dispute for the defective product I received. I spoke today with XXXX I explained her last time I spoke with XXXX another of her colleagues in regards this dispute as he promised me to have it resolved for me, but instead I received debt collections Notice by the email and nothing or not information at all About the dispute I opened on XX/XX/XXXX. XXXX advised she will reopen this dispute I asked her if she can send me an email in regards also to cease any attempt by the bank to collect any amount of money while this item its in Dispute, She said will add too in the email I will received within 24 hours, As a way to be proactive I mentioned her I would do a report with The CFPB because there is a communication Link between her Customer Service Department and its Dispute Department because the fact never I received any information in regards this dispute I opened on XX/XX/XXXX. I'm attaching the bank Statements from XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX for information. Please look XXXX and XXXX statements shows the item in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I got a synchrony bank card in XXXX. I tried putting in my bank info to make auto payments. I thought this went through but I got a call three days later telling me I was late on my first payment and needed payment. I explained what I did and thought it was paid. So they charged me a late fee. Every month after I have called and complained because my monthly payment went way up. I was furious. They wouldnt wave my fee even though I was told they would. Two months ago they took out two auto payments so I called to ask why. Their error and they would refund one payment. I only got half of one payment. I called again they told me the back end wouldnt pay me and said it was due to having a late fee. I again argued almost in tears. I have not been late!!!! They continued last month to take out more fees even when Im on auto pay. I just got an email telling me next month is also more then what I even signed up to have my payments be. I have been told many times what my minimum payment is but they DO NOT charge that. They charge way more. Im so frustrated. Im at my wits ends. Ive cried. This is so wrong. I need help to resolve this please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83401
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Account XXXX XXXX XXXXXXXX XXXX : {$8900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid {$3000.00} on my balance on XX/XX/XXXX. The money was taken out ( deducted from my bank balance ) the next day. The amount came off of my credit card balance two days later, but did not get added to my available credit. I called, and they told me it would not be available until XX/XX/XXXX. I have been doing this for YEARS and it has never taken longer than a couple of days, and often it happened immediately. I had planned on using this card ( it is a Cashback MasterCard ) to pay several bills, including an arrearage on XXXX that had to be paid by today, XX/XX/XXXX or my coverage will be cancelled. Now I am going to lose XXXX, which, when reinstated, will cost me a lifetime penalty added to my premium. I also have utility bills ( that I have been paying with this card for years ) that are due before XX/XX/XXXX. I have been noticing many problems with bank transfers taking an inordinate amount of time to complete lately, but this does not seem to be that. They RECEIVED the money. They took it off my balance. I don't understand why they aren't adding it to my available credit. If I had known they were going to do that, I wouldn't have paid the second payment ( I paid {$1000.00} the day before, and it was credited IMMEDIATELY, I paid the extra {$3000.00} specifically for the XXXX payment ), and paid my bills directly from my bank account instead. I was not warned that this would happen, and I can't find anything in the terms and conditions that mentions it, so I believe I have been treated unfairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45601
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: There was fraudulent activity in my PayPal Credit account and I was charged {$630.00} on XX/XX/XXXX at XXXX XXXX as well as on XX/XX/XXXX at XXXX XXXX {$10.00}. I tried to make a claim with PayPal Credit as it was an unauthorized charge and was right away denied a refund. Then I called when customer care was open in the morning and I was told that the account number changed which it thankfully actually did and that the unauthorized charge will be reviewed and a new claim will open. It never opened and it's still closed. I've been having a really difficult time getting the amount back that I never sent. It was sent to someone named XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: BEWARE OF SYNCHRONY BANK On XX/XX/XXXX, I invested {$100000.00} at 4.6 % interest with Synchrony. This transaction was verified with my bank. The agent told me the transaction was complete. Weeks later I received a letter dated XXXX XXXX that indicated I had to complete the process. On XXXX XXXX, I spoke with XXXX. She told me that Synchrony was in error since the transaction had been verified. She asked if I still wanted the investment. I told her yes, if it would be backdated to XX/XX/XXXX. I told her I would also increase the amount to {$200000.00}. She said she would call me personally within three days to confirm. She did not. Instead, I received an email stating that the money had been withdrawn from my bank and invested in Synchrony. On XX/XX/XXXX I spent about 70 minutes either speaking with an agent that could or would do nothing, and then on hold for a so-called supervisor. Finally, an agent told me that XXXX had to return my call in 3 days. I told her it had been 7 days, She used all kinds of excuses explaining how 7 days does not equal three business days. She said XXXX was still waiting for an answer before calling me. Of course, I never heard from her or anyone else from Synchrony again. Then she tells me that the investment was denied. What kind of a company makes a mistake on an investment, and instead of correcting their errors and apologizing, they just cancel the entire transaction? I have never received an email or letter indicating my {$200000.00} had been transferred or cancelled from my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A