Date Received: 2023-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Show that I had late payment when it's actually not true since I paid off the account it's impossible to have any proof that I did miss payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Approximately beginning of 2022 : Due to emergency dental need, had to open a Care Credit account thru Synchrony Bank, XXXX, FL. Continually made monthly payments, couldn't do a lot due to employment situation. I watched it over time and my payments were only going to the interest payment ( 25 % ). XXXX Called to close account and trying to speak with the lady was impossible. Not very good XXXX. All she wanted to do was speak of options and I had to stop her and slowly tell her I am closing account. Called my credit union to increase my visa to pay off the balance showing. That was approved and paid the balance. The next morning I checked the account to make sure it was done and all they did was increase the amount available and it was not paid off. Then : XX/XX/2022 Got a letter from this bank saying my account was closed. XX/XX/2022 XXXX another letter from bank saying looking into account and have patience. Due to the language barrier and wrote a letter asking them to close the account permanently and the full balance was paid. XX/XX/2022 XXXX another letter from bank that the money had not been credited to my account and wanted more information and issued me over {$600.00} to my account. I have closed it! That day I sent another letter telling them that the full balance was paid and to close the account and sent a cashiers check for {$10.00} to cover any interest for no further dispute. I keep getting emails from them which are irritating and just not sure why they are treating me like I still exist with them. Please help me find out why they think I still have an account with them. I don't need them affecting my credit. I even sent them the credit card they issued me. I need them to stop sending information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Inaccurate information, caused to go through identity theft. wrong addresses not associated with me as a person. Shared information without consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: i have XXXX closed fraudulent accounts on my credit report. ive tried reaching out to XXXX XXXXXXXX, and XXXX and nothing has been done. this is very frustrating because i am a XXXX XXXX trying to get personal loans in order to provide for myself during the school year and keep getting denied for everything that i apply for. the XXXX accounts is from XXXX XXXX XXXX for XXXX dollars which was opened XX/XX/XXXX and the only reason that i didnt find out sooner is because my parents ran my credit for me and i just started to look into it. also there is another fraudulent account with synchrony bank paypal credit card which is closed as well for XXXX opened on XX/XX/XXXX of XXXX. I have been trying to resolve these issues for the past 3 weeks and nothing has yet to change. so i went on XXXX and researched for hours and found cfpb hoping that you guys are a legit company and can help me with my ongoing issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As I am unable to amend or add to a prior complaint, please add this to that complaint. Do not delete under the guise of " duplicate complaint ''. The following is a message thread between PayPal and myself. They are not investigating the problem thoroughly. They did not correct the problem two years ago and I had to determine different ways to pay them. Since they have deleted and refuse to add my accounts back, I refuse to bend this time. The following are the case numbers from investigations two years ago that were never completely resolved by PayPal. XXXX XXXX Both of my bank accounts that have been associated with PayPal for years are not able to be connected. I received a late fee in XXXX if {$41.00} I would like reimbursed. I would also like you to link the following account in order for me to pay my accounts ( both PayPal Credit and PayPal Mastercard ). Routing XXXX XXXX Account : XXXX. YES, the numbers are correct! I have a payment due in four days and have no way to pay it! I want to set up automatic payments and stop having to mail checks!! It should be possible!!! No, the problem is not with my bank. It is with PayPal. I am starting my Consumer Credit Bureau investigation and will submit it if this is not resolved by the end of the day XXXX XXXX XXXX Hello, XXXX! Thank you for using PayPal XXXX! My name is XXXX, I'm a Customer Service XXXX. I'll be happy to assist you with your account needs today. I am very sorry for any inconvenience that you are facing with the system I understand this could be frustrating but do not worry I will gladly try my best to help. In order for me to help you as best possible I will need further information please confirm with me the 4 last digits of the bank account or cards that the system is not allowing you to connect I will gladly check on them and try to connect them on my end if that is ok with you. I see the card ending on XXXX XXXX both unconfirmed We can try to confirm them if that is good with you? I also see the bank account ending on XXXXand XXXX Disable we can try to reactivate it again if you like. Please feel free to reply whenever you want and we will respond to you as soon as we can. XXXX XXXX - XXXXXXXX XXXX is good, but I have been told over and over you will not allow me to pay my paypal credit accounts with my debit card. I need the checking account ending in XXXX activated, so I can make payments. I don't have anything ending in XXXX. It will not allow me to connect to my XXXX accounts. I have been paying the mastercard with my XXXX checking using autopay, but paypal disenrolled me for some reason. I have been paying my paypal credit account with an actual check, but I am going to be out of town for a month and a half and have not received the bill. I will need account linked in order to pay accounts. I do not want my savings account ending in XXXX linked. XXXX XXXX AS XXXX I understand how important is from you to have the correct payment instrument linked to the account for you to proceed with the payments. after revising the information about the issue the system is showing me that a block is being generated already, it might be because of numerous reasons like for example recent updates in the account, unusual device used to login, public wi-fi and others, at the moment it would be necessary to wait a timeframe of 48 hours for the system to automatically remove the block and in that way you will be able to add the bank account again. I apologize for all of the inconveniences that this is causing to you I would love to remove it right away however it would be necessary to wait the 48 hours without any other attempt otherwise the system will restart the 48 hours period. Also for the Payment with PayPal credit and to see if the fee can be reimbursed it would be necessary to reach them at PayPal Credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for them to give you the options for the reimbursement. Feel free to respond if you have more questions otherwise please click on End Message to finish the chat session, Thank you much for being a valued customer on PayPal and I wish you a beautiful day! XXXX XXXX - XXXX There is absolutely nothing wrong with my accounts. This issue stems from a similar problem where paypal was reporting that payments were not made because of insufficient funds. Absolutely incorrect. XXXX investigated and found there were no requests for funds from PayPal/Synchrony XXXX The request is not leaving your system. Please find the problem on your end and correct it. Please place both accounts on hold until this is done. I have requested that the Consumer Financial Protection Bureau investigate the matter. I will not compromise on my end and leave the problem at PayPal uncorrected. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Re : Synchrony Bank who underwrites Lowes XXXX XXXX credit cards. I unknowingly overpaid my account in XXXX by submitting the payment twice. No one told me that I had a credit for {$1800.00}. I found out the beginning of XXXX on my OWN. I received NO billing statements notifying me of this overpayment. I called the customer service number on XXXX. They subcontract their call center to another country. I get to hear roosters crowing in the background repeatedly. The woman assured me I would get my money via check within 10 to 14 business days. Nothing. I called again today XXXX I explain the situation again. Of course, there was no record of my call! Probably wasn't documented because she heard nothing of my conversation due to the cockle doodle doos in the background. I am now told to wait an additional 10-14 BUSINESS days a day the overpayment refund can not be expedited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We closed our Synchrony Bank JCPenney credit card back in 2020- XX/XX/2020 according to my XXXX XXXX account. We suddenly got an email, and then a statement in the mail, announcing they were reviewing our account and found they owed us XXXX cents and will issue a refund with our next billing statement. We closed our account with them because of previous awful customer service and run around. Contacting us nearly three years later because they have kept the account active, or are reviewing a closed account, seems like a flimsy excuse to either keep it open or re-open it. My name on the account was XXXX XXXX, and my husband was also on the account, XXXX XXXX. I spent six months bouncing between JCPenney and Synchrony Bank getting them to honor the advertised conditions under which we had bought appliances through them, and the largest reason we closed the account after we paid it off. I have not contacted them because I don't want that contact to constitute some sort of agreement on my part to re-open the account, and I don't wish to waste more time getting the run around from them. We are so opposed to doing further business with this company, we took out a loan on my car to finance buying a garden shed rather than open another line of credit with Synchrony Bank, who did the lending for the shed company. When I tried calling their system it kept asking for the card number, but we destroyed the card when we closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/22, I opened a 24 month Bump Up IRA CD, with Synchrony Bank. On XX/XX/22, I advised the Bank that I wanted to exercise the bump up option. Since then, I have had numerous telephone calls and emails, regarding this matter. They have not addressed my instructions, or responded to my attempts to resolve this matter. When calling the required phone number, you are subjected to long hold times. Promised phone calls, to discuss this matter, have not been forthcoming. Anything you can do, to assist in resolving this matter, will be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 674XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: SYNCHRONY BANK / AMAZON has illegally reported my transaction history to all XXXX credit bureaus without permission or without requesting my formal consent. SYNCHRONY BANK / AMAZON also sent letters of judgment with XXXX to sue me, after creating predatory interest rates during the pandemic. SYNCHRONY BANK / AMAZON is in violation of the Fair Credit Reporting Act, 15 U.S. Code 1681 a Sec. ( 2 ) report containing information solely as to transactions or experiences. According to the FCRA 15 U.S. Code 1681a Sec. ( 2 ) a. 1 Exclusions.- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include - a report containing information solely as to " TRANSACTIONS '' or experiences between the consumer and the persons making the report. SYNCHRONY BANK / AMAZON parked this debt as a charge-off with transaction transparency which is illegal. I was not contacted or made aware of this being reported to my consumer report prior to the account being placed on it. The FTC vs XXXX XXXX XXXX court ruling decided that " debt parking '' is illegal. Consumer law states that reporting transactions without consumer consent are also illegal. I have reached out to the company and have been completely ignored and they have ignored the laws as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A