Date Received: 2024-01-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX I noticed a promotional balance had not decreased with a recent payment. I sent a message through the website message center. I received am E-Mail reply the Company received the message and would review. Possibly 1 week later I received another message a reply had been sent. The message portion of the website no longer works, as in all messages to the company and from the customer are no longer visible once posted to an account. I have informed them of this every time I contact them about applying payments incorrectly. Eventually I receive another message and link to a form letter and I see promotional payments corrections, credits and debits on the account. Then the next payment I have to go through the whole process again. Today is the fourth time I have contact the company about misapplying payments. The credit card agreement is for all payments to be applied to Promotional balances first, then once paid off, apply payments to standard purchase balances. I had a XX/XX/2023 promotional balance the company hadn't paid off in XX/XX/2023 and I posted $ XXXX {$600.00} payments monthly. Today I found a {$300.00} promotional balance not paid off by my {$350.00} payment and the {$49.00} balance not applied to my next in line promotional balance of {$320.00}. All I continually ask is that my payments be applied according to the XXXX XXXX Credit Card Agreement rules. In addition, there is a section of a Standard Purchase amount that I questioned, it and the designation of terminated status on a larger amount. I asked what this meant and an explanation, but not until today 's message. I have not yet taken the time to call the company. I did inform them if this continued, I would file a complaint. I added attachments and can add more showing different screenshots. if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I spoke with the XXXX XXXX. Of Synchrony Bank and she made XXXX disputes for me on the payments .None were resolved. PayPal Mastercard sends the payments to old acct, XXXX or XXXX card then they make you pay again for the XXXX. Full Refunds not made by them nor {$400.00} was never credited since XXXX and XXXX. They keep on saying different things and reported me to the Credit Bureau? Documents asked were sent. They stated they received them when called after a week or two they denied they receive them. It was faxed and it went through twice. They asked more documents. They said they mailed the needed documents but was never received. They closed the case. I made it reopened .I paid {$50.00} then {$150.00} then {$200.00} in a month and said I did not pay? Then they marked me late fees {$41.00} for months I called and was told what were those document 's. The bank gave those needed documents. A voice mail from Synchrony said they receive it. After two weeks or so they said they did not receive it. It got faxed again and again. The bank called and mailed the documents. This time they emailed that they received. After a month or so they close the case again stating the documents are not enough? All documents were sent as stated. The. And cleared the {$400.00} payments for 2 months in my bank. XXXX XXXX even sealed it with the banks name and his name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 826XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I recently obtained an Amazon XX/XX/XXXX credit card from Synchrony Bank, ending in XXXX. Because I don't like to be late on payments, I set up auto pay to be deducted from my checking account. The screen said my first payment would be deducted by XX/XX/XXXX, my due date. Today I logged onto my account and see that my account wasn't credited. I immediately made a payment and then called Customer " Service ''. XXXX told because my account has been open less than 6 months, my payment won't be applied for 20 days! That's the most ridiculous thing I've ever heard, and I BELIEVE IT TO BE FRAUDULENT. She said she would refund the late fee, but this practice should not be allowed to continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My name is XXXX XXXX, I am very old and I am a XXXX XXXX us citizen. I have accounts with synchrony bank for many years. Being XXXX XXXX, synchrony bank, for years, does NOT compute interest correctly for my accounts. My account number : XXXX, the total amount in this account MUST be {$1100.00}, synchrony bank, intentionally and illegally, is showing only {$1100.00} ; synchrony bank is giving me {$1.00} less interest on this account. My account number : XXXX, the total amount in this account MUST be {$4600.00}, synchrony bank, intentionally and illegally, is showing only {$4600.00} ; synchrony bank is giving me {$0.00} less interest on this account. My account number : XXXX, the total amount in this account MUST be XXXX, synchrony bank, intentionally and illegally, is showing only {$2300.00}, synchrony bank is giving me {$0.00} less interest on this account. The time has come for this XXXX XXXX US government agency to fine very heavily, the same way this agency heavily fined over XXXX dollars XXXX XXXX XXXX XXXX synchrony bank for giving less interest for every account, synchrony bank has millions of accounts. Do your job for XXXX US citizens also.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I went to XXXX XXXX Department XXXX and purchased XXXX was asked if I wanted to apply for credit through XXXXXXXX XXXX and id receive some $ off on my purchases... I paid and left. I get a bill for {$89.00} from Synchrony bank... I paid that much for the clothes and was surprised... Wasn't aware I had a Synchrony debt now. I appealed but never heard anything... They've called me XXXX of times over the last XXXX XXXX ... Now they say interest has increased the debt to $ XXXX dollars ... They say they are willing to settle debt for {$330.00} I ask to speak with their supervisor... XXXX is not available... I want to report them for predatory practices...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97301
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i recived a letter in the mail that someone has attempted to open up an amex in my madien name. i pulled a credit report XXXX had a few hard inquiries 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: 60649
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I contacted XXXX SYNCB/PPC on XX/XX/ to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information . I have not gotten a response from this company and they continue to report my personal information to third parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I went through debt reformation using XXXX XXXX XXXX for my XXXX backed XXXX card. I completed my program and paid all debts off. I reviewed my credit score last year and noticed Synchrony did not follow through on the agreement, so I flagged it for review. Synchrony then decided to sell the debt they said I owed to XXXX XXXX who has used the multiple debt collection companies they own to harass me since XX/XX/year>, even though I have provided documentation proving I don't owe any money. I contacted Synchrony multiple times and recently received a letter stating they sold the debt and that I need to work with XXXX XXXX. The debt companies won't back off even with proof because they just want the money and Synchrony had no right to sell a debt I paid off and should be the one to resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I made a purchase with my Venmo Credit Card ( Synchony bank ) on XX/XX/ for a hot tub/spa from a company called XXXX out of New Jersey with a home office in the XXXX. The purchase price was {$590.00} and the promised delivery was 3-5 business days within the continental USA which I do reside. After a few weeks of checking up on the shipping only to get false shipping numbers, I contacted the company to request cancellation of the order and a full refund. As the product had not yet shipped they agreed to refund the full {$590.00}, they provided documentation to show $ refunded however this money never showed up in my Venmo credit account, Venmo account PayPal credit or PayPal account. The result of Venmo/Synchony banks investigation was that the company never replied and since 1year had now passed thats all they could do and my complaint was considered closed. I easily made contact with XXXX customer service who provided a document with a transaction number showing the money was refunded. As XXXX position is that the money left their account into Venmo/PayPal/Synchony banks account that I would need to recover the money from them. My second attempt to provide this information to Venmo just triggered another complaint/investigation. Im sending them all documents, screenshots etc. to both email, and XXXX XXXX to ensure they receive it. I dont know where the money went but Venmo/PayPal/Synchony together and separately can only confirm what I already knowthat its not in my account. Im sure an audit of their books would show a payment from XXXX for {$590.00} but no customer that was provided that refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02324
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry is a result of Identity theft/ Fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A