Date Received: 2023-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Respected I am XXXX XXXX, I received a letter dated XX/XX/2023 from you as Dept Collector report about Synchrony Bank PayPal Credit Card Amount, Total Amount of the Dept > XXXX Reference no >XXXX Sir i am saying to you that i have cleared total amount in previous days i have no more amount to given to bank so consider my case and kindly solve and closed my headache.I shall be very thankful of you.Thanks a lot sir. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This company does not allow grace period to make payments. If you do not pay on due date or pay less then amount owed they make your account late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX was closed in XXXX by company for non-pay. In XXXX I received a XXXX for debt cancellation. I never received any communication regarding this debt with the option to pay or settle. The company is now refusing to provide me with written communication that the debt has been written off. My credit report still shows the debt being valid. The company said all they can provide me with is verbal confirmation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11901
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that Synchrony Bank stop reporting negative information on my credit report. As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. I never received a notice in writing from Synchrony Bank informing me that they were reporting negative information on my credit report. Synchrony did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
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: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/XXXX, I spent over 4 hours trying to get a replacement for my expired XXXX Mastercard ending in XXXX ( expired XX/XX/XXXX ). I called the XXXX Mastercard Customer Service Center ( XXXX ) # ( XXXX ) on the back of my card, who told me I could not get my old Mastercard re-instated, and to go to : XXXX XXXX XXXX and press the " Apply Now '' button to apply for a new card. However, when I did this, I was sent to my XXXX account, where there was no link to a new XXXX Mastercard application. When I complained about this to XXXX, I was told to complain to XXXX Customer Service. I had XXXX Customer Service call me several times. Each time, they told me there was nothing they could do, and to call XXXX. I was put on hold numerous times, and dropped from calls several times. I have excellent credit, and have no idea why I was not sent a new XXXX Mastercard before the old one expired. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX XXXX sent paypal credit card company XXXX on XX/XX/2022. Paypal cashed the check on XX/XX/2022 and applied it to someone else account. I have sent 68 fax messages with the copy of the check and the bank has sent 7 and paypal said they I still owe the XXXX. I call several times weekly and also have sent messages with the bank letter and canceled check and they refuse to help me and it's causing me to lose my credit score and caused me to pay a higher interest rate on my new car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54880
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/22 - CareCredit XXXX Synchrony Bank ) card for a medical procedure totaling {$5500.00}. XX/XX/22 - Paid {$170.00} ahead of pay date of XXXX of month. XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. XX/XX/22 - Was charged late fee of {$30.00} even though payment was made on XX/XX/22. XX/XX/22 - Paid {$430.00} ahead of pay date of XXXX of month. XX/XX/22 - Was charged late fee of {$41.00} even though payment was made on XX/XX/22. XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. XX/XX/22 - Was charged late fee of {$41.00} ahead of pay date of XXXX of month. XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. XX/XX/22 - Called to inquire about late and interest fees. Spoke to XXXX, who explained that even though we paid ahead of the XXXX and more than the minimum, the payments occurred within the " billing statement period '' and that payments should be made after the XXXX or so and before the XXXX to meet the XXXX pay date. I explained that I was not aware and asked if the fees could be removed. She authorized the XX/XX/22 late fee of {$41.00} to be removed, but could only do one in a 12-month span. I asked about getting supervisor approval and she said that she would inquire. XX/XX/22 - Received a " past due '' notice from CareCredit. XX/XX/22 - Called to inquire. Do not recall who I spoke to. Asked about this notice AND about the supervisor decision from XX/XX/22. She noted that I had called, but I again was told about the one late fee removal in 12-month span. No other fees were removed. XX/XX/22 - Made payment of {$300.00} so late fee would not be charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX Synchrony Amazon Card Closed my account without any noticed. When I contacted them they informed me that it was because I had made XXXX attempts to make a payment and the payment was rejected. This was an error because I accidentally had my second bank account as the default account to make payments which I was not aware of. When I caught the issue I was able to quickly default my main bank as the account and I made a payment within a 30 day window. There was no need for them to close my account. They never contacted me or sent me a letter they just closed my account. I have never missed a payment from them or any other company in the last 9 years. I feel that the action they took is un fair and will impact my credit report as my overall utilization rate will increase and my credit history will decrease. I am very upset that there hasn't been a law to protect consumers from this kind of behavior from lending institutions. I called Amazon customer service and they informed me that they could not reactivate the account and that I would need to reapply. This would also mean that my credit would be impacted as now I would have a new inquiry and if I applied it will stay on record for XXXX years impacting my credit score. I was given a fax number to send a letter to the bank to see if they could look into the matter however when I went to XXXX to fax the letter this morning the fax number was not valid. I have attempted to contact the bank but there is no means to connect with an agent that will talk to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied and was approved for a Pay Pal Cashback World Master Card account which claimed to have a rewards program whereby I could redeem the rewards to the account for a statement credit. XXXX phone representatives, XXXX and XXXX, have given me conflicting information. XXXX said I have to transfer the reward to my wallet, then call back and ask customer service to transfer the rewards to my account. Only after I kept insisting on speaking to a supervisor, did he check with a " specialist '' and said I can redeem rewards to my wallet, then transfer to my cashback account. He assured me that was the correct procedure, but when I tried to redeem that way, there is no choice to add rewards to my wallet. There are only XXXX choices to redeem : send to my checking account, transfer funds internationally, or send me a check. I called customer service again, and XXXX said I can transfer the money to my stand alone PayPal account, which automatically puts the rewards in my wallet, but I can't transfer the rewards back to my cashback master card. I have other credit cards with rewards that I can automatically redeem as a statement credit, so this process for redeeming rewards on my PayPal Cashback World Master Card seems unnecessarily convoluted. Please advise why I can't apply the rewards earned to this credit card as a statement credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony has been avoiding me when I reached out to them on social media in reference to complaints with the Care Credit Card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A