Date Received: 2023-02-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am voicing a complaint with Synchrony Bank concerning their product Synchrony Verizon Visa Signature Card. I signed up for a new card through Verizon Wireless when I purchased a new phone in XX/XX/XXXXXXXX XXXX. I received a XXXX XXXXmonth discount while paying by using the Synchrony Verizon XXXXignature card , account ending in XXXX. From XX/XX/XXXXXXXX XXXX through XXXX or XXXX of XXXX my payments were made directly to Synchrony Verizon Visa Signature card by way of XXXX XXXX through my XXXX XXXX XXXX account. The billing address given to me is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX This method of payment worked fine from XX/XX/XXXX through XXXX or XX/XX/XXXX when I received a notice that I missed a payment. I was caring for my XXXX XXXX XXXX XXXX Mother at her home, so I didn't have access to my records. I called the bank back and made a payment by phone in the amount of {$150.00} verified by a Synchrony Verizon customer service rep, ( XXXX ) dated XX/XX/XXXX. Then my XXXX payment went through XXXX XXXX without a problem. However, in XXXX I was told by Synchrony Bank by phone that my account had insufficient funds and in early XXXX that my XXXX XXXX XXXX checking account had been closed. I made an appointment to speak with XXXX XXXX XXXX XXXX, XXXX, to go over my account. He explained that if a client had insufficient funds or their account had been closed, the Credit Union would have notified them directly. Neither situation applied to my account. I decided to cancel this form of payment using Verizon to bill the Synchrony Verizon Signature Visa card and change to directly paying Verizon Wireless. I contacted Synchrony Verizon Visa Signature Card and Verizon XXXX customer service representatives. I explained my intent to stop paying my account through Synchrony Bank Verizon Signature Visa. The reps from both companies spoke to each other to confirm that no more charges would be placed on the Synchrony Verizon Signature Visa card. Synchrony verified that my Synchrony Verizon Signature Visa card balance was fully paid and no more charges were pending. Synchrony Verizon Signature Visa representative confirmed to me that the account ending in XXXX was closed and I was done dealing with Synchrony Bank. I made my payments from XX/XX/XXXX to present directly to Verizon XXXX. Then in XXXX, XXXX Synchrony sent me a new Verizon Signature Visa card, showing a balance. I did not request a new card, nor did I use it for any purpose. I immediately called Synchrony I did not want a new card and hadn't placed any charges on it. The charges were not itemized as to what they were for? In XXXX, I wrote a letter to the CEO of Synchrony Bank outlining my situation. I received a form letter back never addressing my specific issues. I called again and got an address for Consumer Complaints and disputes for Synchrony Bank. I sent them copies of my XXXX XXXX XXXX payments through XXXX XXXX which showed delivery dates and Synchrony Bank 's endorsement on the back of the check. None of the correspondence addresses my multiple disputes I have filed by mail and phone. ( see attached ). The calls and letters continue without any resolution. I contacted the Florida Attorney General and she directed me to the CFPB. I am hoping you can help me. This is exhausting and I feel like I am not getting anywhere. I am a XXXX XXXX XXXX widow with limited funds. I still care for my XXXX XXXX XXXX mother at times. Please help me. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I got denied a Discount Tire store credit card serviced by Synchrony Bank, which sent me a denial letter in which the reason stated is Unsatisfactory payment history with Synchrony bank. Contrary, my payment history is long and very satisfactory. As of XXXX/XXXX/23 my XXXX XXXX report shows XXXX XXXX satisfactory payment history on all of my accounts. I contacted Synchrony bank via customer service phone on XXXX/XXXX/23 XXXX CST and spoke with 3 different persons/departments, including a supervisor XXXX, all were unable to produce any unsatisfactory payment history or any further detail at all. I feel I am being treated unfairly and denied credit services for no reason or for a fraudulent reason. I also feel that my inquiry was treated poorly and unprofessionally and the companys record keeping is negligent. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I requested writing that Venmo send me my positive account balance. I quoted 12 CFR 1026.21 Treatment of credit balances. I directed Venmo to deduct the past due amount from the account balance. Balance : {$470.00} Amount Past due : {$220.00} Money owed to me = {$250.00} I have attached the letter I sent on XXXX XXXX 2023. I also requested that the account be closed after its fulfillment of my request. It has been almost 2 weeks and per the law this should take 3 days to resolve or 3-7 business by mail. This is a violation of Truth and Lending Act and if not resolved I will be forced to take further legal actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a federally procted consumer and i have right under the Fair Debt Collections Practices Act ( FDCPA ), Fair Credit Reporting Act and the Gramm-Leach Bliley Act. Upon checking my consumer report I notice that CARECREDIT shared, provided or transfered my nonpublic personl financial information without my consent or lawful authority which is a violation of my consumer right to privacy. It is a Fact, I did not consent to or authorize nor do CARECREDIT have lawful authority to report, provide, share or discolse to any nonaffiliated third party any nonpublic personal information without my express written consent or lawful authority. It is a Fact, CARECREDIT have a obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. It is a Fact, CARECREDIT have failed to safeguard my nonpublic personal financial information pursuant to 15 USC 6801 ( b ) ( 1 ) ( 2 ) ( 3 ). it is a Fact, CARECREDIT have violated my consumer rights pursuant to 15 USC 6821 ( a ) ( 1 ) ( 2 ) ( 3 ). It is a Fact, CARECREDIT is in violation of my consumer rights to privacy pursuant to 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed {$600.00} from a party through XXXX. I paid for a puppy and the seller gave me a false address and information. XXXX will not help me because it was sent as a friends/family transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: SYNCBXXXX agreed to deleted account from my credit report after receiving payments. failed to removed item from credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple unknown hard inquiries on my credit report. However, I wasn't the one who put them there. I've been on the journey to build/establish credit. I was instructed not to apply for anything during the course of doing so. Somehow, someone has my information and was applying for accounts in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38301
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I made a payment of {$2200.00} on XX/XX/XXXX. As of today, that payment is not reflected in my available credit. I spoke with a online chat and phone customer service representatives on XX/XX/XXXX and I was informed that my credit limit was frozen automatically. The fourth person I spoke to said that if you make any single payment greater than {$500.00}, it is held for 10 days. I asked, " if I made 5 payments of {$440.00} each instead of {$2200.00}, I would have {$2200.00} in available credit? '' And she said, yes. This makes no sense. A ten day hold is outrageous considering they've had my money for at least 8 of those days. The 10 day hold harkens back to a time people were mailing in paper checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: SYNCB/PAYPAL is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted XXXX multiple times to report as fraud. I called PAYPAL and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from SYNCB/PAYPAL is fraudenlent and should be removed from my XXXX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXX There is also no phone number provided. During the dispute process XXXX provided me the phone number for this INQUIRY and I called PAYPAL and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a PAYPAL account. PLEASE HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
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: Complaint # XXXX Synchrony Bank stated that the dispute has been resolved. It has never been resolved. I am still being stone-walled by that Bank. They are not returning my calls. I paid an extra XXXX dollars on XX/XX/XXXX to cover the Fraudulent Charge. Synchrony later stated the XXXX dollar dispute was resolved in my favor but they have never put that XXXX dollars back into my account. Purchase - XX/XX/XXXX XXXXXXXX XXXXE XXXX FL Posted {$80.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$4.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$96.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$66.00} - Adjustment - XX/XX/XXXX BALANCE TRANSFER Posted {$100.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A