Date Received: 2024-03-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've had the care credit card for 3 years. I've never missed 1 payment. I had over {$4900.00} available credit as of XX/XX/2024. I paid my payment yesterday and my limit now shows {$40.00}. It was reduced to my balance I owed removing all credit I had available. I didn't use this card except for emergencies. And now I have nothing. They state a review was done and my limit was reduced. Well now my credit score is even more affected since I lost {$4900.00} available credit. They literally made it look like I'm maxed out now when I had credit. My score will now drop even more. This economy is killing me. I will be filing bankruptcy at this rate. Credit card companies shouldn't be able to remove everything you earned and worked for. I'm being punished because I'm not rich and my credit is struggling. I've never missed a payment with them and I did not deserve the limit reduced making my credit worse and now I have nothing yet I paid on time for 3 years. I earned that limit and it's gone. I will be canceling them once I pay off the rest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX of XXXX I joined XXXX XXXX XXXX as despite always paying on time, my credit debt was too high and I just wasn't able to pay down my credit. I was assured that joining this program wouldn't hurt my credit. XX/XX/XXXX XXXX of XXXX took my first payment and paid every single month. Apparently at the time I signed up for the program, Synchrony bank was having issues with their system that accepts the proposals and it took over a month to resolve. At this time, I was told not to worry, Synchrony was resolving it. All of the other Synchrony besides XXXX resolved the issue. I noticed my past due continued to go up with Paypal, I contacted XXXX of XXXX who reached out to Synchrony PayPal. Paypal was delayed in response. They finally got an answer and found that Paypal had accepted the agreement of {$84.00} but in their system had the amount that was accepted for the Synchrony XXXX of {$100.00}. In XXXX of XXXX, I was told Synchrony wanted a larger payment per month going forward but they would reverse the negative reporting and late fees as they had accepted the original proposal. In XXXX, my credit report was corrected but I still was showing a past due amount. I contacted XXXX of XXXX about the past due balance. I was told this was Synchrony banks issue and that it wasn't due, therefore I didn't need to pay it. In XXXX, the late payments went back on my credit report. I contacted XXXX of XXXX and was told yet again that Synchrony bank would fix it. XX/XX/XXXX Synchrony put my account in Charge off status because the incorrect past due amount was never corrected for the incorrect payment that had in their system. Historically, my credit score had been in the high XXXX, low XXXX due to high debt but I had always paid everything on time. Because of the incorrect serious delinquency and charge off status my credit score went to the mid to high XXXX. I contacted all 3 credit bureaus to get this corrected. It took less than a month for XXXX to fix. XXXX XXXX disputes and over 2 months and there is still an incorrect past due payment that shouldn't be there, and XXXX still hasn't fixed the charged off account status. During the time of incorrect reporting, I have gotten notices of getting denied for credit, having my credit revoked or decreased due to the incorrect lower score while I was trying to resolve this. I have since gotten off of the credit program and paid off almost all of my credit card debit. My score is now in low to mid XXXX but I am still getting letters of my revoking, denying, and reducing my credit due to the Synchrony Paypal issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Synchrony Bank - XXXX My Account # XXXX Amount Paid {$7100.00} XX/XX/2024 - Buyer of Trailer and I were advised by XXXX, XXXX, or XXXX in Synchrony Customer Service that by wiring the {$7100.00} payoff amount, I could call back to receive a receipt of payoff via fax within 3 days of the wire. Their calls are recorded for training purposes, and for proof that we were advised accordingly. XX/XX/2024 - When I called back to request the fax, first, the automated system said " Congratulations, your loan has been paid off '', then their phone system only gave me the option of disconnecting from the call. When I called back, and was able to bypass the phone system, I was advised by XXXX, Manager of Payments, that we had to wait 10 days, and then the proof of payment info could only be sent via US Mail, which could take another several days after that. This call was also recorded. XXXX wasn't sure why the other agents advised me that I could receive the receipt of payment via fax, but absolutely refused to work with me in any way. The last customer service agent that I spoke with ( on a recorded call ) was very surprised that this department within Synchrony Bank didn't at least have e-services available, so I could login to access a copy of my payment history, since it is now 2024. This misrepresentation by Synchrony Bank is costing myself and they buyer several days, and they buyer is waiting to take possession of the trailer, which can't be completed until I am paid the remainder of the cash from the sale, which can't be completed until payment receipt has been received in writing via fax to me. We are willing to accept an informal document so we can proceed with this sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Synchronys private policy under subsection With Your Consent states : We will request your permission to use or share your Personal Information for a specific purpose that is not compatible with the purposes listed here. We will notify you and request consent before we provide the Personal Information or before the Personal Information you have already provided is shared for such purpose I, the credit card consumer, has never given my written consent for my personal information to be shared with non-affiliates of Synchrony Bank. Synchrony Bank is also illegally reporting late payments detailed as transactions to my credit report. Exclusions as stated in 15USC1681a read Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; In summary, Synchrony Bank is in clear violation of reporting illegal items to my credit report. This has caused me a great deal of distress along with emotional and credit damage. I am requesting the removal of this account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX XXXX on XX/XX/2022 Paid the charge off.XXXX XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. Gemb/Amazon Charged off account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
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: Disputed an online purchase with TJMAXX my package came and I was missing items but billed for them. Have disputed with data of receiving package. They closed my first dispute saying TJMAXX wont refund me for items not returned? I couldnt believe their response?! Then Im sent info as to the closing of dispute with a picture of another item from the same order that was delivered and that I did not dispute from day one. I reopened a 2nd dispute for same missing items and Ive been getting nothing but the run around from Syncrony Bank ( which is my TJMAXX CC Bsnk issuer ). There is no tab in site for disputes, you are to do it over phone, which Ive done since XX/XX/28 and have gotten no where. I was charged for the XXXX XXXX XXXX XXXX they were never shipped. Enclosed purchase and pics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is my third attempt in submitting a complaint to the CFPB dating back to XX/XX/XXXX and the company continues to close my complaint using other ( XXXX ) and duplicate ( XXXX ) without providing a response. On XXXX day XXXX, I received multiple text message and phone calls regarding my lowes credit card account with Synchrony Bank. When I returned the call and spoke with the representative as well as escalated call to a manager, I was advised to mail front and back of my id along with a copy of a utility bill to a XXXX XXXX XXXX FL. My account was placed in a special queue. No questions were asked. No transactions were discussed. The handling was disturbing and sketchy. No letter was provided until I requested a letter of explanation. I used my Lowe 's card in XXXX to begin my holiday shopping in store and made a few purchases online around XX/XX/XXXX, XXXX and XX/XX/XXXX. This included gift cards and pink tools/box for gifts and XXXX tree and trimming items for decoration. When I received this strange call and text messages on XXXX XXXX it ruined by holiday especially without proper explanation and delayed timing from my purchase activity. Even after sending USPS Priority docs requested, it took several weeks for Synchrony Bank to sort this out which was more disturbing. This was poorly handled on their part and I would like their management team to revisit this process and provide a detailed explanation on why this occurred ( poor turn-time, lack of information provided, multiples calls and text messages on a holiday, temporarily shut down my card pending escalation review, why send id and utility bill to a XXXX XXXX XXXX Florida, and why my complaint continues to get disregarded ). I previously uploaded an XX/XX/XXXX letter that I requested stating noticed some recent activity and want to confirm it was made by me, however when I called customer service they never once went over transaction details to confirm with me. Second letter dated XX/XX/XXXX that I requested outlined to send the utility bill, bank statement, current rental agreement and driver 's license to a XXXX XXXX in XXXX XXXX, FL. The third attachment was my USPS Priority Tracking Number XXXX confirming delivery on XX/XX/XXXX to XXXX XXXX, FL at XXXX. However it took forever for Synchrony to complete their review and re-activate my line of credit with Lowes. I am expecting a response and ask Synchrony and the CFPB for the third time not to close my complaint until a review is conducted and an appropriate response is provided by Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Request Al information on Amazon store card number ending XXXX. Synchrony bank card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I recently went on XXXX. About two weeks into hospice, Synchrony Bank closed all the credit cards I have that are backed by them : XXXX XXXX XXXX XXXX XXXX XXXX and JCPennys. They all had XXXX balances except for JCPennys, which has an autopay of {$8.00} per month for a life insurance program that I have been paying into for many years. My wife and I have had our JCPennys account since 1967. The only reason Synchrony gave for closing all these accounts is high risk of nonpayment. This makes no sense given the XXXX balances. I called and spoke to quite a few representatives of Synchrony Bank and they were all very rude and would not say more. There has been XXXX change to my credit score and credit report. The timing is hardly coincidental. I believe there is a major HIPPA violation, not to mention life insurance fraud. I am not dead. My wife, who is on the JCPennys account is alive and well. The life insurance program that I have been paying into has magically disappeared. This is not right. Synchrony Bank employs hateful people that refuse to help.
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: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A