Date Received: 2023-02-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TJX Rewards / Synchrony Bank Card On XX/XX/23 I shopped at XXXX in XXXX, NJ & the cashier talked me into opening a store rewards card ( my charge of {$97.00} was applied to account ). I was told that I could shop with temporary number anything my card was received & she stated that she put a piece of paper with the number into the cardboard billfold that housed the account docs. On XX/XX/23 I received the card & activated it. I then discovered that there was a balance of {$710.00} on the card. Additional charges had been made in PA for {$190.00}, {$100.00}, {$240.00} & {$63.00}. SYNCHRONY advised me on XX/XX/23 that they had opened a fraud claim when I reported these discrepancies to them. I also paid {$97.00}, which represented the only charge that I had made on the account. The account was closed & they stated that they were mailing a new card-which I told them not to do. Additionally on XX/XX/23 it was discovered that there was no paper in the billfold with the temporary account number written on it. I suggested that they investigate the casher at the store/receipt and review camera footage at that location and the other store locations where illegal charges were made without anyone requesting identification. A new card was received on XX/XX/23. I cut up the old account card & the new account card and returned both of them to Synchrony with a two page letter requesting the status of the fraud claim ( as well as providing them with a copy of the original receipt for my only purchase. ) I kept receiving emails to pay my bill so on XX/XX/23 I called Synchrony to request a status update as I do not want my credit adversely affected by this matter. XXXX at Synchrony advised me that there was NO RECORD OF A FRAUD CLAIM BEING OPENED on XX/XX/23. Another red flag with this bank! XXXX stated that as of today the fraud claim had been opened and that I was not responsible for charges, nor payment to Synchrony. She stated that I would receive a confirmation letter in 7-10 business days with the claim number and that the credit reporting companies would be advised so that it was not adversely affecting me. I also advised Synchrony that I remain unable to log into the online account for their bank. Despite multiple attempts to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Care credit card closed my account because of a payment reversal. I am a bartender and usually deal with cash and keep just enough in my account for bills. I made the payment on time however it didnt process until after the weekend. Unfortunately some auto payments for subscriptions also hit my account and they reversed the payment. As soon as I saw what happened, I quickly made another payment which processed no problem. They gave me a late fee and closed my account. This did happen once before in XXXX but again, I still made every payment. I would understand if I never paid on time, missed payments every month and was truly reckless but I havent. After this happened, I looked into it and found that many others have had their account closed without notice as well and it is unfortunate. When I called, they urged me to just reapply and get approved in minutes. Two different agents told me this. I do not wish to have negative remarks reported to the bureau as well as a closed account and another inquiry. Why on earth would they close your account and urge you to open a new one? I feel wronged because why would they want me still as a borrower if they felt I wasnt trustworthy enough to keep my original account. Something is wrong with this company. For a company called Care, they do not. I used this to cover my dental appointments as my insurance barely covers much. I have an appointment on Tuesday that I now dont know how I will afford.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank appears to have close all of my credit lines for no apparent reason. XXXX on my last count this probably tanking my credit score in the near future. I pay all of my bills on time and always will. But one thing I will never do is get a line of credit through them and will let my family know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55033
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: on XX/XX/XXXX i went to pay my amazon credit card held by synchrony bank and instead of sending XXXX i sent XXXX by mistake. i think my coumpter keys wre sticking. on XX/XX/XXXX by email i got a thanks for XXXX and realized my mistake. i called on XXXX XXXX and bank said it would take 3 weeks for refund. 3 weeks no check. call back and told check not sent but would be. on XX/XX/XXXX told check was sent on XX/XX/XXXX. i asked for confirmation in writing and have email confirming. its XX/XX/XXXX no check. they canceled the 2 credit cards i have with them and ruined my excellent credit rating. they think that i am pulling a scam. they owe me XXXX which they show on my last 2 statements. i am looking for help. i dont have and extra XXXX laying around. can you help. please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34286
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: hello I noticed on credit report they sent inquiry that I did not do it was unauthorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXXCredit Bureau : XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX } In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Synchrony contacted a phone number they found associated with me, however not my number nor does the person no me personally and asked for me, when the person told them that wasn't my number they told them to me me who was calling and that I owed a 2020 debt with them and they'll be suing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There was a credit card for SYNCB/PAYPAL XX/XX/2022 inquiry that was reported on my transunion that I did not authorize. Please remove the inquiry as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a " High Yield Savings '' account at Synchrony bank on XX/XX/23. I funded the account via an ACH pull transfer into my Synchrony account from an external account I held at another financial institution. I submitted the ACH request at Synchrony on Wednesday XX/XX/23. The funds were withdrawn from my external account on Thursday XX/XX/23. The funds should have been received and posted to my Synchrony account on Friday XX/XX/23, yet the funds were not posted until Monday XX/XX/23. Synchrony did not credit me interest for the period between XX/XX/23 to XX/XX/23. I called Synchrony and asked for the missing interest to be credited. They refused. They claimed that ACH deposits can take up to 3 business days. I told them that XXXX, the institution which manages the ACH network, told me the transfer only takes XXXX days and that based on the dates I conveyed to them the funds should've reached Synchrony on XX/XX/23. XXXX also indicated that financial institutions who participate on the ACH network are required to post funds on the day they are received. I asked Synchrony to provide me a copy of the ACH transaction log, which includes the relevant dates including date of funds receipt, a log which XXXX told me is available to financial institutions. Synchrony refused to share the transaction log for my ACH transfer. Here is the relevant funds availability clause from Synchrony 's account agreement : " Funds from ACH deposit transactions that we originate for you will be available for withdrawal on the fifth Business Day after the deposit has been credited to your account if the deposit is the initial deposit to your account and on the third Business Days after the deposit has been credited to your account for subsequent deposits to your account. If you register your external account with us and complete the Banks random payment verification process for that account, funds from all deposits from that registered external account will be available for withdrawal on the Business Day that we receive the deposit. '' Source : https : //www.synchronybank.com/documents/account-agreement.pdf I registered the external account on XX/XX/23 and entered the ACH random deposit amounts into my Synchrony account on XX/XX/23, after which the external account was marked verified. I initiated the ACH pull transfer using that verified profile the same day. In other words, I satisfied Synchrony 's stated requirement for funds being available " on the Business Day that we receive the deposit ''. Based on my online research many other account holders at Synchrony have experienced similar delays in deposit posting and missing interest accrual.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A