Date Received: 2023-01-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank has closed my XXXX and XXXX credit card account. This account was in good standing, and I received no notice that it was being closed. The reason they are stating is because of credit worthiness. When this card was active my credit score was in the XXXX 's. After closing the account my credit score dropped at least XXXX points. The credit limit was {$4000.00}. I have XXXX other accounts with Sychrony that are all in good standing. In my opinion, their reasoning for closing this particular account is not valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73044
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: Account information incorrect
Consumer Complaint: This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. Theres no proof that I owe anything, at all. I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones. Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable. Pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off ledger -Hand written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85281
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 when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear SYNCB/TJX COS ; I was shocked when I reviewed my credit report and found late payment on the dates below : I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am filing this complaint against Paypal because I believe that they are retaliating against me for disputing an alleged debt. I asked them to validate an alleged debt. I also made them aware that in addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me, the consumer, and SYNCB/PPC and should be excluded from my credit report. They have since limited access to my Paypal account. They are deceptively pretending to give me an option to resolve the issue by changing my password, but the website will not permit me to change the password, which prevents me from accessing my funds. This is retaliatory behavior, when they are in the wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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 discoved on XX/XX/XXXX that I have been charged {$7.00} for XXXX on my Amazon.com store card, ending in XXXX, on the XXXX of every month since XXXX of XXXX. I previously had an account with audible that was canceled in XX/XX/XXXX. That arrangement was on a different card ending in XXXX. At no time did I authorize a membership or fee to be charged to my amazon store card ending in XXXX. Synchrony Bank is the issuer of the card with the unauthorized charges ending in XXXX. They have provided a provisional credit for current charges as well as the last two billing statements as they are required to by law. The employee, XXXX, stated that they will conduct an investigation for the charges from XX/XX/XXXX through XX/XX/XXXX ; a total of XXXX months. He stated that it may take up to 60 days for the investigation to be completed. I understand that they are allowed this time by law. The reason for my complaint is that XXXX does not show an active account for me at this time. I confirmed this with one of their representatives. I also have a screenshot of the account showing that the service was canceled in XX/XX/XXXX. So, for some reason, I was being charged on two different credit cards between XXXX and XX/XX/XXXX. The charges on my XXXX XXXX XXXX, ending in XXXX, which I never approved. Began in XXXX of XXXX and were still being charged to this card as of XX/XX/XXXX. I am happy to provide any documentation you may require. Thank you inadvance for any assistance that you can provide. Sincerely, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I used to normally utilize my XXXX credit card for gasoline near the end of the month. And in XX/XX/XXXX I attempted to utilized the credit card mid month. Despite having a XXXX dollar limit for purchases I was not able to utilize the card. I received a bill for balance on the bill for {$15.00}. I mailed a check along with the credit card back to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX for a billing payment due date on XX/XX/XXXX. Which would leave a balance of XXXX dollars due. Yesterday I received a bill for {$17.00} for a late fee as well as {$2.00} interest fee. I have communicated the closure of this account however the billing department at Synchrony Bank continues to bill for late fees despite receiving payments within the payment due date. Kindly address the issues with regard to late fees and interest fees for a closed account. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have XXXX credit cards from different companies -- XXXX, XXXX XXXX, and Synchrony for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Over a year ago I got a loan for a hearing aids with XXXX XXXX with the addendum stating if I pay in a year will be no interest. I authorized XXXX to withdraw more money monthly to pay off before the year was over however I noticed that this company were withdrawn {$2.00} to {$4.00} daily which was not the agreement, I was getting worry about this XXXX XXXX and XX/XX/XXXX I paid it off, I have a print out prooven my statement. I called XXXX XXXX several times to be sure everything was ok. The company closed my account after I paid off the debt. Last night I saw my account with this company open again and demanding more money to be pay in XX/XX/XXXX. Looking at XXXX 's reviews for this XXXXXXXX XXXX Hearing XXXX I saw just terrible reviews with the same issues as mine. How a company like this is open screwing everyone? Please help I am not rich I am a health employee helping people all the time and I can't give my working money away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: A partial credit that was issued via XXXX is XXXX for a hotel room in XXXX keeps being charged back to me. I never was able to go to XXXX XXXX XXXX XXXX at the last minute. I am charged for cleaning fees and other miscellaneous fees for a room that I was never in. XXXX seems not to eat to be bother or accept any responsibilty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Unauthorized credit pull from PayPal credit services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A