Date Received: 2023-02-01
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: I currently have a complaint open but have now realized the date of account closure was listed as XX/XX/2022 on XXXX XXXX instead of XX/XX/2022. That needs to be corrected in my complaint. I went by what was reported on XXXX which does not match data on XXXX XXXX. I did not want to add anything on my complaint that I could not document and I now have access to that information. The account was closed after one missed payment due to their false reporting of payments and dates. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of PA. Kind regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I currently have a car from XXXX with synchrony credit card company. I have an issue with the disclosing of information they have. I made a payment and they show that the payment posted and later they showed that there was a late fee for {$30.00} kept wondering why call them I said your payment history shows that the payment posted but Im being charged {$30.00} late fee wise that then they notify me that the payment had not posted I told them it was misleading for them to show the payment as posted if the payment has not gone through and that completely confuses me as a customer thinking that I wont be reported late because I am going based on their information that says that the payment posted so I feel that them disclosing dad its putting me as a consumer in a situation, where if I am unaware that the payment they reposted they are disclosing false information, giving me the full sense and then reporting me late Lucky for me. I was able to make the payment in cash the problem right away but this is a big deal because this company has engaged in situations where they dont either notify the customer. They post the inaccurate information and they need to have somebody review what they do so they
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This account offers reward dollars based on card use. From my opening account to the end of XXXX XXXX I have earned in excess of {$390.00} in reward dollars which had been reported on my online account information. In mid XXXX. I noticed that the amount had been reduced to less then {$25.00}. I have never used or authorized the use of this money to pay balances or be sent to me. I pay my account balance in full every month. I called customer service on XXXX occasions in the second week of XXXX ( I didn't record dates, not thinking the the problem wouldn't be resolved ) Both times the agent would only tell me how points ( dollars ) are earned and credited at the end of each statement cycle. During the second contact I requested to speak to a manager and after I repeated my request for an explaination as to where the missing funs where, she informed me that the matter would have to be refered to an area dealing with rewards and the she would do so and that they would get back to me. I requested a phone number for that area and was told that they would not supply a contact number. The bank advises that all calls are recorded so I expect that you could secure their recording to verify my information. Next I emailed customer service on two occasions XXXX. XXXX and XX/XX/XXXX and requested a detailed accounting to show where the money had gone and also requested information on how to withdraw the funds ; both inquires were answered with a message that did not address the inquiries being made. I could not make copies of these correspondence off of thier website ; hopefully your office can also request copies of these. The online account inromation now shows a total rewards balance of some XXXX dollars. My take away from this issue is that this money is missing and the Banks system is standing in the way of providing any explaintion as to where the funds have gone and why. I will stop short of using the word theft. I would greatly appreciate your agencies assistance in resolving this matter so that I may receive the funds which are mine buy my use of the credit card issued by the Bank. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07724
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This is not the first time or the first card this company SYNCHRONY has opened and then closed with NO prior notice They have closed 5 accounts on me for various reason but only using 1 each and every time and that is a review of my credit Which is a total lie They have not researched my credit as I get a notice when ANY company does that and they have closed 3 of them within two months of the ok for them with no charges on them This institution is a FRAUD and I now know that I am one of many and the companies they serve have NO IDEA they are doing this! Please take all the complaints into consideration I'm open to a class action law suit against this company and what they have done to my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, I have 6 synchrony store cards which are current or paid in full. 2 cards has been closed by synchrony with no explanation and I had to call to have them send an explanation. The 2 cards are for XXXX and Lowes. I did advise synchrony in 2022 when i was laid off of my job and was out of work from XXXX, but was managing my accounts so that they would not default. My lowes card was the first card they closed and last month my empire card was closed, which this account was never late. These closed accounts has been reported negatively on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am submiiting this request to delete or correct the following information that appears in my credit report. In the year XXXX is when i had applied for a student loan to finish my career and since that year i have not applied for any credit except one that was provided to thru my paypal account which was a credit line with paypal. I have never had a reason to check my credit report since my student loan has been referred ever since XXXX. Recently i have requested a credit card thru my paypal account and i come to realize that there are many credit accounts already that appear on my credit report like for example. XXXX XXXX opened in XX/XX/XXXX, SYNCB opened in XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XXXX XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX and a XXXX opened on XX/XX/XXXX. I am requesting these above accounts to be deleted out of my report because they do not belong to me. I have never given a consent to open these cards plus obviously never used them to be responsible for them. I am aware that i am protected by law according to Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. Code 1681 C-2. Credit Reports do not have the right to report anything on my credit report without my written consent. I clearly see that i have a victim of identity theft. Having said that, i am notifying that something in my credit report is incorrect and its a result of identity theft. I would like to make it clear that i have not consented this at all. P.S : The only accounts that should be reflecting in my report in my STUDENT LOAN and a creditline from Paypal, that should be it. Most of these accounts are reflecting as collections and affecting my daily work and life as we speak. I would appreciate to take matters in to account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: PayPal and XXXX XXXX kept removing funds unauthorised. I lost a ton of money due to fees. Its complicated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37934
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I took out a a Synchrony credit card to pay for some dental work at XXXX XXXX XXXX. The amount was {$2400.00} on XX/XX/XXXX. I put in auto-debit info and selected pay minimum, which would have been {$74.00}. However, they charged my the full balance, {$2200.00} on XX/XX/XXXX ( they says XXXX which is impossible because of the holiday ), XXXX. I have my XXXX banking statement to prove this ( currently Synchrony says I paid twice, which is incorrect. ) I called to ask for a refund. They said they could only send a check. They said they would send a check, minus first months payment, for {$2100.00}. I received this check and deposited it on XX/XX/XXXX. Since then they have added, removed, added, and removed the initial balance to my account to multiple times. Now they say I owe {$4400.00}, instead of the {$2100.00}. I have called countless times, and chatted countless times, unable to reach an agent under 1.5 hours, or to be put in endless holds never getting a hold of anyone. They have purposely ignored my requests to resolve this, or lied to me and said I signed up for promotions, or lied saying they were resolving it, only to have other agents say thats not true. They sent me a notification on XX/XX/XXXX, that my check bounced, which is why this charge is on my account. I have never sent them a check nor, have I ever used their services and money past the initial charge ( + {$2200.00}, then - {$2200.00} ) and refund check ( + {$2100.00}, what I should owe them. ) Im begging for some help I would just like my balance to be the correct {$2100.00} and I will pay it in full and close my credit card immediately just to escape what is clearly a predatory and fraudulent bank. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I applied for and used a care credit card to receive dental work in XXXX of 2022. I was told when I signed up for the card that it had a promotional interest free period of one year and that after a year interest would begin accruing. Since that sounded fair to me I used the card to obtain partial dental services. A year later care credit charged me {$500.00} dollars as back interest. I was never explained to either in writing or in person that I would be charged " back interest '' for this. I contacted the company to see if I could pay the balance in full ( 2 days later ) since I did not understand to accept the terms that I would be charged a years worth of interest on debt that was partially paid and they declined to do so. I will be filing an action in court and with CFPB because I will not pay this illegally charged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A