Date Received: 2023-02-05
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I was reviewing my credit card statement after I had paid off two of my promotional offers before the expired time that would prevent me from having to pay interest on the balances. Upon reviewing the credit card statement which should of had a XXXX balance I noticed I have been getting charged interest. I had contacted the customer service agent and inquired as to what I am paying interest for and was told that I had a charge back in XXXX that expired the promotional time. I had notes on one of my statements from XXXX of XXXX as to where I had talked to an customer service agent and was told about this charge. I was told if I paid the balance off of the older charge there would be not further interest charged it was {$330.00}. So I had paid that amount off at that time. Due to this matter once again at the present time I started reviewing my statements and have noticed that on the statement there is no information of the balance I am paying interest on and just the interest amount was shown on the statement. I also noticed that the payments I have been making all this time was going to the last purchase made instead of the oldest transaction. I have been told many times by customer service representatives that my payments that I make on the account always goes to the oldest balance first. When I chatted with a customer service representative they said my balance still owing is {$580.00} back in XXXX and that I am paying interest on that amount. I told them the amounts were not adding up due to it was 2 years ago and should have been paid off by now due to it being the latest charge. The person that I chatted with I could tell they got frustrated and let the chat time out. Looking further into my statements trying to find this purchase is when I noticed it wasn't even on the statement just the interest charge. Then looking further into my payments being made and what they are being applied to on my balances I owe that all of my payments I am making are not being applied to my balances nor the interest. So I want to know where the portion of my payment is going if not on the balance or the interest owed. I have contacted customer service numerous times and due to the frustration of the agents my calls were disconnected. So I feel that they can see all the information of the transactions and my statement is lacking information. This problem is so frustrating that I hope the company will address this matter to see if they are having issues with their programs. Or edit their statements so the customers can actually see what their payments are being applied to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83647
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/XXXX, an automatic payment was processed for the entire credit card balance. I had previously chosen autopay, but for minimum balance due. I called and synchrony could not reverse the payment, so I waited over the weekend and my bank declined the payment. Nonetheless, it caused about {$200.00} in overage charges from my bank and my balance rested negative ( a few thousand ) while being reversed. When I called synchrony this time I was polite, customer service told me to provide documentation of my negative balance via fax in order for them to reverse it. I ended up not needing to do that, as my bank took care of the issue. XX/XX/XXXX, the same thing happens. I call and am met with resistance from synchrony customer service. I ask them to figure out a way to reverse this as its the second month in a row. They say there is nothing they can do and its my fault. Im transferred to a manager who also says they cant even credit the interest charge, saying I was never charged anything extra. I believe I was, because I was charged interest again after the payment was reversed and the balance went back onto the card. I asked the manager to put herself in my shoes. At one point I used the f word in a sentence. I did not direct any derogatory language at the manager or any other employees, I was simply frustrated and made a statement such as I can f-ing believe this. The manager became condescending and threatened to end the call if I did not use proper language. I told her to stop and transfer me to someone else because this is a ridiculous situation and I have a right to be frustrated. ( Not to mention we have a right to free speech. I would understand ending the call if I directed anything at an employee, but I did not ). I asked for another manager and she stated multiple times while speaking over me, The second manager will not do anything different, Im just setting your expectations and continued to be condescending. I waited on hold for approximately ten minutes, when the first manager came back on and said she was having trouble with her phone and honestly couldnt connect me to the second manager. Feeling this was a game, I decided to end the call. Now its XX/XX/XXXX, and I have harassed with phone calls and letters since. I have decided to take out personal loans to pay my credit cards instead of dealing with synchrony. I open my credit card accounts today to check everything and get ready to pay the main card I had an issue with. Lo and behold, I find out synchrony has closed ALL THREE of my credit cards, even the two that were in good standing and had no issues. I cant call synchrony because I will be met with the same resistance as last time. Its like talking to robots and i feel like there is no recourse for how they treated me and for the position they left me in financially.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Due to the XXXX XXXX XXXX XXXX, I was made sole account holder of a Care Credit account per a letter dated XX/XX/XXXX and sent to me by XXXX Credit Bureau Services. The following is a timeline of my communications with Synchrony concerning the debt settlement of this account. Context : Ex-spouse and I opened this account in XXXX. Ex-spouse was assigned this debt in our divorce decree dated XX/XX/XXXX. Ex-spouse was ordered to pay off the balance and close the account. Ex-spouse closed the account, but did not fully pay off the balance. Care Credit does not recognize our divorce decree and I became the account holder in the above referenced letter. The balance was {$4900.00} at the start of the issue. XXXX : XXXX XXXX from Synchrony Credit Bureau Services naming me account holder. Did not receive until XX/XX/XXXX because it was mailed to Executor of Ex-Spouses estate. XXXX Called Synchrony/Care Credit and spoke with XXXX. She transferred me to XXXX in the Settlement Department. Settled from {$4900.00} to {$1900.00} to be paid off in XXXX installments, or sooner : XXXX. XXXX $ XXXX Paid XX/XX/XXXX XXXX. XXXX $ XXXX Paid XX/XX/XXXX XXXX. XXXX $ XXXX Paid XX/XX/XXXX I paid the XXXX payment of {$650.00} that day. This left {$1300.00}. *See attached PDF for agreement document. XXXX Called and spoke with XXXX- I satisfied the settlement amount by paying the remainder of the settlement at {$1300.00}. Confirmation # XXXX. XXXX told me I would receive a payoff letter. XXXX Called and spoke with XXXX XXXX then XXXX XXXX My account was not corrected to show the settlement was in action or that I had paid off the account. They spoke with agents who were supposed to correct my account. XXXX Called to ask about my payoff letter and to cancel my automatic withdrawal. I spoke with XXXX who assured me that there would be no automatic withdrawal on XX/XX/XXXX since my account was paid in full. She had to read my customer service account notes to see that my account was paid as it was still showing I had a balance. XXXX An incorrect automated payment of {$650.00} was posted out of my XXXX bank account ending in XXXX. XXXX Called and spoke with XXXX who deleted the remaining automatic withdrawal date of XX/XX/XXXX from my schedule and connected me with XXXX XXXX from customer service, who was able to issue me a refund check. My payoff letter should take a billing cycle. XXXX XXXXt did issuXXXX a refund via check ( # XXXX ), which I voided since I disputed the automatic withdrawal and received the credit from my bank. XXXX Called to ask about my payoff letter. Spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX told me I still had a balance of {$110.00} for XXXX billing cycle because my account was not updated to show I had satisfied the settlement. I corrected the information verbally. XXXX was able to file a report for them to review my account as he admitted they were confused. I was assured I should be getting a payoff letter soon and I can disregard statements. XXXX I still haven't received communications confirming the account is settled, but I have received a statement saying I owe {$3900.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
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: i got a XXXX XXXX from XXXX site which is issued by Synchrony Bank. In XXXX I made a purchase ( car tires ) which I was tricked by the company representative before purchase and after purchase. Later on I learned tires were not what the company had advertised for sale. It, lacked safe quality for the use and as a Sr. Citizen I was tricked step XXXX step until I finally confirmed with a XXXX ( federal government sfety ) that tires I had put on my car were not good products and were not what i was advertised or promised it was so I keep them. I was tricked. I gathered all info XXXX my purchase including whole lot of complaints about other customer 's posting on how this company tricks people on XXXX to sell their items to XXXX and then to the credit card company. The tire company has been a long term merchant with XXXX and pays a lot of money for their transaction to XXXX so XXXX has no intention to take side with tones of customers whom have filed a complaint with theem about this tire company. Since XX/XX/2022 to date, twice the credit company found in my favor and said " case is now closed '' and my accout would be credited for {$230.00} or so. Each time within a few weeks, they came back and charged my account again saying the merchant disputed their decision. The second time, I even sent more stuff and after review the card comapny found in my favor and closed the case in my favor. Yet again they reopened it again. I contacted the card company. The agent told me, merchant does not want to give the money back! I told her, I believed that when a case is closed, decision is final and merchant had to obey credit company 's decision. She said : I do not know they dont want to give money back. Well, the card XXXX has to do their part, and return my money. The merchant claimed that I needed not only returned the tires back to them ( after they had tricked me to keep tires on my car which cost {$75.00} to put them on and they were not XXXX XXXX XXXX XXXX tires, but they they had to be in the XXXX condition as day of shipment ). I want the credit card company NOT to take side with this big merchant who gives $ $ $ $ $ $ $ $ $ $ money to XXXX and XXXX credit card XXXX and honor that a merchant who cheats on merchant by selling less than satisfactory and poor quality merchendise should not beneffit from cheating consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
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: VENMO has charged me {$1500.00} & {$650.00} several times and have NEVER SENT THE MERCHANT THE MONEY! ... I have already paid the merchant so he ( XXXX XXXX ) would get his money due .... Venmo still owes me a credit for BOTH charges XXXX XXXX Total of {$2200.00} is the credit they owe me I have called them a dozen times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( payment from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Are there any laws protecting consumers in regards adverts urging an application for credit? Why are financial entities allowed to advertise agressively and persistently to non-qualified consumers? Today I decided to take a hit for arguments sake. I got so annoyed I used myself as a guinea pig. I knowingly went down the rabbit hole of applying despite a very sad credit rating of around XXXX last I checked. I logged into my Paypal account and got the usual bombardment of ads to apply for those Paypal *pre-approved credit cards. I'm serious. I applied for one, got rejected and it prompted me to apply yet again. I did- and as expected it did not approve. I'm guessing it took XXXX points of my rating but I did it to shed light on this unjust situation. It's just wrong. A person 's credit can determine if the are allowed access to housing- it's a serious matter. I am trying to fix it like many others. Why are these companies allowed to do this? To advertise to non-qualified consumers on an off-shoot chance a small percentage convert at the expense of the consumer and families. This is bad ratio to me and doesn't feel right. It's not right ethically but maybe not legally? The big question is does anyone care? Is there a true advocate for consumers rights?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
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: Disputed charge on XX/XX/22 in the amount of {$210.00} several times. Vendor misrepresented dimensions and overcharged for the item. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. A large amount of evidence including a returned package tracking number was provided on multiple occasions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/XXXX my bank notified me the Sams Club MasterCard withdrew {$3100.00} from my checking account. I never authorized the payment withdrawal for that amount. My bank rejected the withdrawal because it was not authorized by me. Again this happened for {$2800.00} in XXXX XXXX Once again I called my bank I didnt authorize this payment and they refused to honor the withdrawal. As soon as my bank denied the withdrawal I called Synchrony Bank ( cc issuer ) and explained I never made the switch to auto pay the entire balance. I had at least 5 store credit cards issued by Synchrony Bank. When I received notification that all 5 of my Synchrony retail CC accounts had been closed because my bank wouldnt honor the large unauthorized withdrawals. I called customer service and asked what was going on the agent told me that it was because I didnt have enough funds to cover the withdrawal requests. ( FALSE ). I have documented evidence no NSF fees were charged to my account. Then the agent accused me of check kiting, that was a major insult since I had spent 25 years in banking. All 5 accounts Synchrony issued had no late fees, missed payments in 15 years. Several accounts had a XXXX balance. My credit score has been hit hard by all this false information reported to the 3 credit repositories. I looked up the XXXX report on Synchrony Bank and found XXXX XXXX XXXX XXXX similar complaints. Like mine, many complaints had issues with Synchrony Bank online software when it comes to posting payment errors. Accounts affected include : Sams Club MC Lowes CC Home CC 2 others
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My card was stolen in XXXX and i promptly reported this to XXXX XXXX XXXX via phone. I reported unauthorized charges and provided the police report. I was told I would receive a new card in the mail which they never sent me, allowing me to believe my card remained in good standing. Ive paid my bill on time each and every month not missing a single payment. Ive been attempting to use my card for several days to pay my electric bill and transferred money to my credit card account to do so. However, my virtual card stopped working and I was unable to use this card and finally today learned it was because my account was closed. I was told this was due to overages but again, Ive paid my bill on time each month, and in excess of my bill. I contacted this card about their billing practice of charging me for overages despite me depositing funds then double checking my funds availability via the XXXX XXXX XXXX app prior to making charges and could not get an applicable answer. My issue is that a new card was requested months ago and XXXXXXXX XXXX XXXX used unfair and misleading practices to close my card by waiting until I made a higher than normal deposit, cutting all access to funds off, then sending me a letter closing my account days after they had already stopped me from accessing available funds on my account by prohibiting me from using my virtual card. This also tracks with the manipulated deposit times that XXXX used in order to charge for overages despite the transferred funds being available in my account according to their own app. I told them I was just getting back on my feet from XXXX and they are fully aware I was XXXX and my purse stolen just weeks before XXXX, I also told them the funds I deposited were for my electric bill which is tied to my rent and I will receive an eviction if this is not paid. I had no reason to request XXXX relief for this account as I had never been late paying this card. My account was never inactive, and I have paid the interest charges in a timely manner despite no clear communication about when these charges have popped up in addition to my regular bill. XXXX XXXX XXXX is kicking Americans while we are down on the heros of a pandemic shortly after the holidays. I was just getting back on my feet and had begun paying off the cards I was unable to keep up with. I dont understand how companies like this got a bail out from the government only to thrive and add billions to their already fat pockets while simultaneously exploiting ways to ensure every day Americans are held down in the dirt by their shady business practices and loopholes in Credit Card laws and regulations? Im also disappointed to see race is not included in the demographic questionnaire portion of this form given the disparate impact card issuer practices have on historically marginalized communities. Please also note I was unable to upload more than one document and would like to forward additional documents including screen shots, police reports, messages, and recorded voice communications to accompany my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: there are two inquiries on my report that i never gave premission XXXX and Syncb/Amazon plcc please remove these off of my report asap
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: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A