Date Received: 2024-01-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I didn't apply Synchrony PayPal Credit Card, and I'm disputing that I don't have the responsible to pay it, because the person having with my identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95307
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony XXXX Fleet Rewards Credit Company states their policy is to credit accounts accordingly for any payment made by midnight of the due date. The latest of THREE occurrences, all with similar timing, is : My credit union shows the electronic payment I scheduled for the due date of XX/XX/2024 as being sent to the credit card company on XX/XX/2024. The credit card company sent a bill for XXXX with late fees and interest because they say that payment from XXXX was made/processed on XX/XX/2024, a day AFTER the due date and 2 days after my bank account shows the payment as being made. I have called the credit union and they confirm that the dates shown on the account are the exact date e-payments are sent. Other payees paid by my credit union are showing e-payments made on the date that the credit union shows the e-payments as being processed. So I am VERY confident that this issue is with the Synchrony company not processing payments on time vs my credit union being late. Synchrony has removed the late fees and interest payments for these 3 incidents after calls and complaints were made. Their recommendation is to make payments earlier to avoid late fess and interest charges. I believe these incidents show fraud on the part of the Synchrony company with these junk fee charges. They are not following their written policy and are systematically posting electronic payments 24-48 hours later than when payment is sent, then charging late fees and interest to users.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2024 I received an email from Synchrony Bank that my Lowes Advantage credit card was now going charge a {$1.00} fee to my account for each paper billing statement sent to me starting in XXXX XXXX To avoid this fee, I had to set up paperless statements. I called Synchrony bank to verify that this was true and not a scam email, and they confirmed that it was true. They did give me a paper statement accommodation so that I can continue to get paper statements without the fee, but what about everyone else??!! What about elderly that aren't good with computers or those people with unreliable internet? This is not fair to charge the consumer to get a paper statement! I don't feel that I have reliable email to get the notifications of estatements. So many of my emails are caught in the spam filter and put in the junk folder. I would not want to miss paying a bill because I didn't get the email prompt to pay the bill. Further, I hate to click on links in emails because I am worried about spams and fraud. Daily, I get so many emails that are clearly fraudulent wanting me to click on links etc trying to gain access to my computer or whatever. I am very hopeful that your agency is able to do something to stop credit card companies from trying to charge customers to get paper statements! The US postal service is far more reliable than internet! With the fees and interest that credit card companies charge for late or missed payments, forcing consumers to only get estatements or pay to get paper statements seems unfair! Thank you for your time in reading this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 033XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2024, I received an email from Synchrony bank informing me that they would start charging my account {$1.00} for a paper statement beginning XX/XX/2024. The credit card company is giving consumers less than 2 weeks notice about a significant change to the credit card agreement. This is a discriminatory practice, not all customers have access to online means to obtain and pay their bill. They should not be charged {$1.00} a month to receive their credit card statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SYNCB/Care Credit is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had an outstanding balance of {$.00} and was charged {$7.00} interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01089
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear SYNCHRONY BANK I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: PAY PAL CREDIT CARD, is in violation of multiple laws set forth by Congress in regards to the following account # ending XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( PAY PAL CREDIT CARD ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( PAY PAL CREDIT CARD ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. PAY PAL CREDIT CARD, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from PAY PAL CREDIT CARD for the cancelled debt of { { {$860.00} } } in order to file as ordinary income. Where is my 1099-C? PAY PAL CREDIT CARD is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! PAY PAL CREDIT CARD has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In PAY PAL CREDIT CARD terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of PAY PAL CREDIT CARD nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
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 purchased a ring from XXXX XXXX XXXX XXXX NJ... Shortly thereafter I looked more into the company and realized it was a scam and the business location was a house in NJ... I then reached out to the company requesting a refund multiple times. Once I got no response I attempted to make a dispute with my Credit card company Synchrony bank, not only do they not have a streamlined process to dispute charges they also are not in adherence with Reg E... I have heard no response from the bank on this front and have been charged late fees and accrued interest on the amount being disputed. To recap the amount charged on my Sams club synchrony bank card ending in XXXX was {$130.00} on XX/XX/XXXX I filed a dispute shortly after on there website after I had to fill out a form as requested and when I ask customer service ( which is all offshore I may add ) I cant get an answer. They also state they will circle back within XXXX business cycles and that is not true as we are past that time frame. To add I disputed this charge XX/XX/XXXXdays after it was posted on XXXX please see attached form for more details
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The TJX Companies , Inc. XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, Today, XXXX, I went to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX to return the purchase on previous date, XXXX, which was {$6.00} after using {$10.00} gift certificate, sent by email, XXXX. The certificate number was XXXX ( XXXX ). I have returned this item and told the credit will be refunded on my credit card of Synchrony, ending number XXXX. The amount to be returned is {$10.00}. Later, I purchased several things, including a beautiful crystal tree which had the crystal bottom. I wanted to use two {$10.00} gift certificates ( # XXXX XXXX XXXX, # XXXX XXXX XXXX ) ; however, the casher said my two gift certificates were rejected. Since her attitude was nonchalant, I just answered her I would make complaint. I enclose two receipts of refund and purchase, including the copies of all three gift certificates. Unfortunately, this casher did not wear name card. So, I can not indicate her name. This is the second time with your company, that my gift certificates, which are my rewards have been rejected. Since I want to use them, would you send me usable gift certificate/card of {$20.00}. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A