Date Received: 2023-01-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to request the removal of unauthorized credit inquiry. I did not give permission to this company to do a inquiry on my credit. It is in violation of the fcra and my privacy i have made many attempts to resolve this thru the bureau and contacting the company. Please remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Previous balance on a XX/XX/XXXX statement was {$3700.00}. I made XXXX payments. XXXX for {$1000.00} ( XX/XX/23 ) and the XXXX for {$400.00} ( XX/XX/23 ) before the billing cycle ended. The interest charged was {$46.00} for a XXXX day bill period. On the XXXX page of the bill it states how the interest was charged. They calculated the interest at {$3200.00}. This makes XXXX sense in that my payments before the end of the billing cycle was {$1400.00}. If I subtract my previous balance with when they calculated my interest for the billing cycle it only comes out to {$480.00}. This can not be right given how much I paid on the card during the billing cycle. I called the company ( obviously a call center in XXXX ). The girl on the other line had XXXX idea what to do or say and was mostly just reading off what sounded to be a script.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
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: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Synchrony bank, ( the credit card company ), canceled my card for no reason, and then demanded immediate payment ( {$2700.00} ), I couldn't pay it all immediately and they refused to work with me. They called me day and night, sent numerous emails, left numerous voice messages and called before and after normal business hours. I once got a call from them at XXXX on a Sunday morning. Sometimes they called XXXX times per day. It was mentally exhausting. I told them to stop numerous times, but they continued for months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Received notice from credit report XX/XX/XXXX and contacted Synchrony Bank identify theft and XXXX still has not resolved. XXXX still open and XX/XX/XXXX called Synchrony Bank disagree and reopened. Filed police report XXXX and sent police report with FTC report to XXXX XXXX XXXX In XXXX keep receiving phones call and statement harassment from Bank. XXXX and I called XX/XX/XXXX and remailed police report. In XXXX XXXX and I called together and XXXX XXXX and mailed FTC report, police report XX/XX/XXXX, XXXX XXXX XXXX XXXX. XX/XX/XXXX we called bank reopen investigation. I am not able to be answered phone because hospitalizations. Then I received collection letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account opened on XX/XX/2021 for {$470.00}. I reached out and to American Eagle [ Synchrony Bank ] about an account opened in my name. I never applied for this credit card. This a fraudulent account. In Accordance with fair credit reporting Synchrony Bank has violated my rights. 1. 15 U.S. Code 1681 Section 602A States : I have a right to privacy. 2. 15 U.S. Code 1681 Section 602A States : A consumer reporting agency can not furnish a account without written instruction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Have had cc since XXXX, always paid bills on time. Suddenly card was denied XXXX in the past XXXX hours, once for {$900.00} charge and once for {$480.00}. I called Synchrony Bank to check on reason, was put through a ridiculous amount of 'checking ' to insure it was really me ( I was calling from the phone listed on the account ). Asked for my name XXXX times, address on card, business name on card, last XXXX of social security number. All answered correctly. Then asked for cell phone number, which I supplied. Then I got a text on the cellphone with a link, which I followed. Synchrony wanted me to take a short video of myself for their records, so I tried. But camera in cellphone was not working, tried several times. Finally said this way was not working, so what other way was there for me to prove it was really me...? Only answer from them was they would mail me a code, which would take XXXX - XXXX days to arrive. In the meantime they refused to discuss the account and I could not determine the problem. Both my account and my wife '' s are being refused for charges. We use this card as our primary credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48864
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
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 am currently in a never ending dispute with Synchrony Financial Bank for a charge on my home design account for the amount of {$10000.00}. The charge was made by XXXX XXXX XXXX 's on XX/XX/XXXX thru a transact portal without my consent. XXXX came to my home and spoke with my husband about building an outdoor kitchen on XX/XX/XXXX of 2022 and my husband signed the agreement on XX/XX/XXXX with out checking the payment terms. I was not at this meeting due to working out of XXXX in GA because of the Pandemic. My name is not on the contract and I signed up for the design account on line with the salesman referral, but didn't authorize a charge or give the salesman my account information. Still seeking finance options other than synchrony and they required us to pay a XXXX deposit to start the project I was surprised to see a charge for {$10000.00} on my account and immediately reached out to the Bank and the XXXX. You see the design of the kitchen had not been done or agreed upon, the HOA document had not been received and we were having a hard time getting someone to respond to request for the documents. After a month of inactivity and no paperwork we decided to Cancel the project not knowing my account had already been charged for the XXXX installment not inline with what was forged on the XXXX the company sent to Synchrony as poof that I authorized the charge ( payment terms ). The document shows Checks on the payment terms in blue ink and the original was signed with black ink by my husband with no payment terms checked. XXXX also gave the bank a scope of work that was never provided to us as proof they gave HOA docs but it was not signed because we didn't receive in order to agree. The HOA docs required to start the project ask for a rendering of the back yard, a drawing of the structure showing easements, a picture of the kitchen with dimensions etc. none of this was given. The charge on my account was not only not authorized, the merchant claims my husband who is not on my account can charge to it. Synchrony has used these documents to deny my claims numerous times even though I didn't sign anything with XXXX to buy anything and they never performed any work. I am being required to pay literally for nothing, I have given proof that no kitchen was built, have even shown pictures of my back yard with no kitchen. The sales agreement was signed on a Saturday while I was at wk with limited reception on the XXXX XXXX site. The merchant is trying to charge me that XXXX as a cancelation fee because the contract my husband signed has the terms of XXXX @ material, XXXX @ XXXX, XXXX @ completion with a {$8600.00} first payment not XXXX. The XXXX slip is not inline with the agreement and was produced fraudulently to justify the merchants charge. The transaction shows XX/XX/XXXX on the slip but I didnt see the XXXX until XXXX after the project was cancelled. Synchrony keeps using Document I did not sign and that do not have my name on them as justification for the Charges, they are using a XXXX transact that I didn't use or authorize and doesn't even have my email address on it, I was told by a customer service rep that the merchant used my SS to get the account information, that is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Synchrony Bank had an issue with their website that resulted in my IRA funds being put into a non-IRA CD. ( Clearly, the web designers never talked to the IRA department about the differences between opening an IRA CD and a non-IRA CD. The problem has long since been corrected. ) When I finally got someone to move the funds into the proper IRA CD, I was penalized {$1800.00} for an early withdrawal. Yes, I was being penalized for their mistake. The customer rep acknowledged the problem and said he would get back with me. He never did. Over the past three years, I have called Sychrony many times and have written two letters to senior managers. Only one person has contacted me and like everyone else in the company, she forwarded my complaint to someone who has yet to call me back ( after three weeks ). Synchrony 's pattern of arrogance towards its customers is undeniable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 268XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
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: HAVE NOT USED MY PAY PAYPAL CREDIT CARD IN YEARS BUT SAW A BALANCE OF {$260.00} IN MY XX/XX/2022 XXXX CALLED PAYPAL TO COMPLAIN ABOUT THE UNAUTHORZED CHARGES ON MY ACCOUNT IN XX/XX/XXXX. CUSTOMER SERVICE ASSURED I DONOT HAVE TO PAY AND THAT THEY WILL CREDIT MY ACT FULLY AND INVESTIGATE. THEY DID NIETHER AND I STILL SEE BALANCE IN MY ACT. PLEASE HELP CREDIT MY ACCT AND CLOSE IT FOREVER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A