Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I'm filing suit if this isn't expunged in 20 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received a ATM card from Synchrony and tried to have this canceled as I don't have an account with them. I went through 3 different departments and no one can help. Since I don't have any accounts with them how can they send me an ATM card? I just want my information deleted from their records so as not to have any problems in the future. The card also had valid thru XX/XX/49. Never heard of anything like that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is our second complaint since XX/XX/XXXX. We opted to borrow money to pay off our three outstanding balances. Care Credits confusing and deceptive practices only allow for one promotional purchase balance to be open at a time. Trying to pay these three balances off have led to even more headache and frustration. Our XX/XX/XXXX statement showed that we owed balances for promotional purchase dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These amounts were {$390.00}, {$790.00}, and {$570.00}, respectively. Please see XXXX XXXX XXXXXXXX highlighted statement. On XX/XX/XXXX, we made a payment of {$390.00} and immediately requested that it be allocated to the XX/XX/XXXX purchase balance in the same amount. ( We have to make requests immediately since the company spreads payments out across promotional purchases instead of putting payments towards those with the closest expiration date which was promised at the time of applying for the card. ) The Care Credit representative in chat was XXXX XXXX and confirmed that the payment had been allocated as we requested and confirmed the balance was now paid in full. She noted that the update would post in 24 to 48 hours. Please see XXXX XXXX XXXX Chat log. On XX/XX/XXXX, we logged in to check the update and to make a payment in the amount of {$790.00} to pay the XX/XX/XXXX purchase balance. Again, we immediately requested through chat that the payment be allocated to that purchase so that it would be applied correctly. The Care Credit representative in the chat, XXXX XXXX, confirmed that the payment was allocated to the XX/XX/XXXX purchase balance and that it had been paid in full. Please see XXXX XXXX XXXX Chat log. On XX/XX/XXXX, we logged in to check the update and make the final payment. It was at this log in that we noticed that the payment made on XX/XX/XXXX in the amount of {$790.00} was allocated incorrectly. We made contact with a Care Credit representative, XXXX XXXX, through the online chat. XXXX stated that the allocation had not posted yet and would be updated today. Please see XXXX XXXX XXXX Chat log. On XX/XX/XXXX, the online system was showing that a balance of {$650.00} for the XX/XX/XXXX purchase. A phone call was placed to Care Credit and we spoke with XXXX. The call was reportedly recorded by Care Credit. It was recorded by us and a transcript ( XXXX XXXX ) was made. The call with XXXX was unproductive, confusing, and very frustrating. XXXX reports that the {$790.00} was spread across the following three purchases : 1 ) The promotional purchase that was paid off on XX/XX/XXXX. 2 ) The regular purchase which was the subject of the XX/XX/XXXX CFPB complaint ( See XXXX XXXX CFPB company response XXXX, XXXX ) and accrued interest and 3 ) The promotional purchase made on XX/XX/XXXX which only had a balance of {$570.00}. Please see XXXX XXXX XXXX Phone call transcript. On XX/XX/XXXX, we made the final payment of {$570.00}. Allocation was not requested as it was the last documented balance on the XX/XX/XXXX statement. Please refer back to XXXX XXXX XXXXXXXX highlighted statement. The XXXX statement was released within hours of us making the last payment and shows all three balances of purchase dates of XX/XX/XXXX ( {$390.00} ), XX/XX/XXXX ( {$790.00} ), and XX/XX/XXXX ( {$570.00} ) have been paid in full. Please see XXXX XXXX XXXX highlighted statement. We have enough of a financial background so that we can stay on top of these issues in order to protect ourselves, manage our finances, document transactions and chats, and can dispute the randomly leftover {$78.00}. We are asking that this matter be resolved immediately and our account be credited accordingly. The evidence provided shows that as of XX/XX/XXXX, we have paid the three balances on the XX/XX/XXXX statement in full. The letter from XXXX XXXX, Senior Specialist with Corporate Consumer Relations at Synchrony Bank, provides evidence that the regular charge noted in the phone call with XXXX should have already been removed from the account, along with any accrued interest. With this, our total owed balance to Care Credit should be {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Synchrony XXXX credit card sent a negative balance to collections. I had paid off the card in XXXX of XXXX and it was left at - {$50.00}. They should have sent me an overage check. Instead they decided to add large amounts of fees and penalties bringing the total due back up to over {$850.00}. Within one week of my paying the entire balance off, it was sent to collections with their added fees. How can they charge over {$800.00} in fees after I paid it off and immediately send it to collections. I can not rent an apartment after leaving my XXXX husband due to this and a couple other errors. He was in charge of bills and I couldn't open mail. He decided to stop paying. However XXXX of XXXX and again in XXXX of XXXX I paid off nearly every single debt. My score was XXXX and it has only risen 20 points. XXXX reports incorrect and/or old information on top of the other issues. This is ridiculous. How can a person have half a year worth for upfront rent yet still be denied due to a XXXX credit score? How are people in XXXX financial and emotionally coercive situations supposed to be able to successfully leave if the companies governing their ability to live report erroneous activities?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The Synchrony Bank Lowes credit card is going to start charging {$1.00} for a paper statement if your balance is over {$2.00} each month. This should be illegal. A credit card company should not be allowed to force anyone into paperless statements. All the other companies who charge for paper statements do not charge extra for this, they give you a credit on your bill if you agree to paperless billing. This gives the customer a choice to go paperless or not. I should still have a right to get a paper statement and not be charged for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Upon making a payment to my Sam 's Club and JC Penney credit card accounts, I discovered that my card was closed. I did not receive any documentation from their issuer, Synchrony Bank. Upon contacting them, I did not get a clear understanding and as to why. It seemed as though I'm being discriminated against by the credit issuer as I have encountered unpleasant calls to them when I had to get XXXX cards issued to me due to theft of my vehicle and my apartment being broken into in XXXX of XXXX. Things were never the same with Synchrony Bank after that. I'm a woman of XXXX who used these accounts for business purposes and now have to resort to other options. This will permanently damage my credit and will lead to more discrimination by other credit issuers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My soon to be ex husband applied for multiple credit cards in my name that I did not apply for. He also stole my wallet and racked up charges on my actual credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am a victim of extensive identity theft, and I DID NOT MAKE OR AUTHORIZE THESE CHARGES. Someone has been impersonating me and using my stolen identity for housing, loans, and credit cards. In addition, my purse was stolen that had my passport, phone and wallet -which included my social security card and drivers license. Also, this person has my phone number ; therefore, I will be changing the phone number on my Fraud Alert with the credit reporting agencies as they are required to contact me before approving any credit or loans. This person has taken advantage of me working and teaching abroad in XXXX and has used my information in the states while I was gone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: MY INFORMATION WAS SOLD & BROUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF XXXX XXXX XXXX. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY! I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO RESOLVE THESE MATTERS. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. (ACCOUNT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXX, DATE OPENED XXXX), (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), (ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-INQUIRY XXXX), (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-INQUIRY XXXX), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- INQUIRY XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX9-INQUIRY XXXX & XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-ACCOUNT # XXXX-DATE REPORTED-XXXXDATE OPENED XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem when making payments
Subissue:
Consumer Complaint: I spoke with one of the XXXX representative, who gave me permission to pay my monthly bills earlier than the XXXX of each month. I followed her lead and paid my bills for each month earlier which one month I asked, can I pay for it could be for two months payment which she said yes. Afterwards, I started getting phone calls, messages and emails stating Im past due. Which call back and explain the problem confusion when paying my payment Laid up too double payment, with additional charge fees and interest. The manager refused to fix the problem with the split payments for each month. Then told me if I close my account that they stopped the interest fees and I can pay a lower amount. I feel violated because I still would have paid my bill but not the double amount because of their mistake. The company refused to comply with fixing the mistake that their representative made. I hold responsible for their mistake. So now my account is being closed to agree with their terms of XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A