Date Received: 2023-01-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXXXXXX XXXX debt collection keeps reopening my acct after closing. The debt collection was from carecredit. I disputed with care credit and disputed with the debt collection. Had receipts my insurance paid for a portion. Provider filed a different claim with different amt than what was charged on my carecredit and its been since XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Ashley furniture account number # XXXX I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( XXXX, XXXX, XXXX ) violates my privacy. The information you are furnished to CRA 's is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. Financial institutions have a responsibility to protect the privacy of the personal financial information of their customers and consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Approximately every 6 months, Synchrony allegedly checks credit, then lowers credit limits on cards. They'll approve a XXXX limit, then 6 months later cut it in half or more. This is done on accounts that : Have never been used. Have less than 30 % usage. Have not once been paid late. This practice causes the usage percentage to shoot up, the cards to be over limit ( triggering 'over limit ' charges ), and cards to be declined. The notifications that the limit is being lowered are not sent until after it's done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78046
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received notice through my credit report that my Care Credit card was closed effective XXXX XXXX. I receive no notice, the company claimed to have sent an email, but I show no record. I just had XXXX on XX/XX/XXXX and planned to use this card to pay for medical bills. When I called Synchrony/Care Credit on XX/XX/XXXX they stated the account was closed due to in activity. I asked if they provide advance notice, because if they did they would learn the card was planned for use, they confirmed they do not provide advanced notice, they just close the account. Not only does this impact my credit score without warning, I am now without a payment method for my medical bills. I offered to even provide documentation of my medical event for proof. I asked for them to resend the notice of account being closed they said they are unable to send the email, but will send it via US mail within 20 days. The manager stated I should have the message in my online account messages, which I checked while on the phone with her and explained the message was not there, it just states account closed. They stated they are unable to reopen my account or line of credit, and I would have to apply for another credit card with the company. I asked for any type of documentation ( email, letter, even phone recording ) of the call confirming my complaint and their response, and I was declined of that request. My account was used within the last year, and my last payment which paid the balance of the card was processed on XX/XX/XXXX. So my account was only 10 months of no activity. While I understand reviewing accounts and need for closure at times, I dont understand how this can be legal doing so WITHOUT prior notice or account reviews with the customer. Not only does this impact credit scores, but leaves people in situations like mine, where now I can not pay a medical bill, and the company is not held responsible in any fashion. So how do I pay for my medical bills now that I no longer have this payment method as planned? I have provided screenshots of my account with this complaint. The account will not even show my activity because it is closed. I have also provided a screen shot of my message account as proof I never received notice of the account being closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
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: On XX/XX/2021 - I made a purchase with XXXX XXXX using Paypal Credit a.k.a Synchrony Bank for the amount of {$510.00}. However, few days after receiving the item, I returned it back to the store because the delivery person delivered it outside in a bad condition. I did not want to keep it. I filed a dispute with Paypal Credit hoping it would get refunded faster. On XX/XX/2021 - I received a temporary refund from Paypal Credit in the amount of {$510.00}, not from the store. This happened while the dispute is on-going. On XX/XX/2021 - I lost the dispute. Paypal credit removed the temporary refund they issued and charged my account for the same amount, now XXXX left with the amount and the item was already sent back to the store. So I filed another dispute because I did not like how it ended up. Between XXXX and XXXX, I have communicated with the store and came terms with them. The store asked me to cancel the active dispute I filed so they could issue me a refund directly from them. I did cancel the dispute and they promise me refund in a XXXX business days minus the shipping fees ( non-refundable ). Please note I still have the balance at this time that Paypal Credit issued in my account on XX/XX/2021. And on XX/XX/2021 Paypal Credit charged me again in the amount of {$510.00}. I called the agent that now they charged me double of the same amount, and they told me it was an error on their part and that happened because I cancelled an ongoing dispute. XX/XX/2021 - I got the refund from the store itself in the amount of {$490.00} ( shipping fee non-refundable ) So in short, I got stuck with two charges of {$510.00}. Although one of the charge was cancelled out by the store 's refund. I'm still left with one chared of {$510.00} on my account. I have been going back and forth with Synchrony since summer last year and up until now, the issue has not been resolved. They keep closing my dispute and I.m done with their tricks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank closed 5 of my accounts with them this past fall. All 5 accounts had XXXX balances. 4 of the 5 closed accounts had been active within 90 days prior to closing. None had ever had a single late payment and all had relatively healthy credit limits, a few of which had very been recently raised by Synchrony ( mere days before closure ), demonstrating my credit worthiness, according to their own criteria. My one remaining account with Synchrony, a XXXX issued credit card, has since had a credit limit increase. Again, this demonstrates the creditor 's endorsement of my credit worthiness. My credit score at the time of closure by Synchrony was hovering in the XXXX range and showed 100 % on time payments across ALL accounts of record. My job has not changed in 8.5 years, though my income has increased steadily over that time. My debt to income ratio at the time of closure was at its all time best. In addition to the closure, I had rewards points accumulated on my Synchrony Bank issued XXXX. All points were wiped out with their unilateral closure of that account and I was told they were forfeited upon closure. This is unacceptable and Synchrony Bank has been sued in California for this very practice ( and lost ). If they are not going to honor their rewards points agreements, what good is having a rewards card? I have recently discovered online hundreds of other similar complaints by consumers for similar closures or unwarranted lowering of debtors ' credit limits by Synchrony bank, demonstrating a pattern of bad faith practices on the part of this creditor. This practice makes it difficult for consumers to maintain high/optimal credit scores when their accounts are arbitrarily closed by the creditor with no explanation or warning. They must be reigned in from continuing this practice. What is the government prepared to do about this on behalf of consumers everywhere?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from SYNCB, XXXX XXXX XXXX, and XXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX and the CFPB to follow the law : Either provide documentation that the law was followed by contacting SYNCB, XXXX XXXX XXXX, and XXXX at once, or remove these offending inquiries as soon as possible.
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: 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: Getting a credit card
Subissue: Application denied
Consumer Complaint: SYNCHRONY FINANCIAL I DID NOT APPLY FOR THIS LOW LEVEL NONSENSE I DID NOT APPLY FOR SYNCRONY IN MY LIFE THEY ARE KNOWN FOR SCAMMING FOLKS WITH BAD CREEDIT I DID NOT HAVE BAD CREDIT AT ANY POINT AND LASTLY I HAVE ONLY EVER APPLIED FOR MY HOUSE AND MY XXXX XXXX AND THATS THAT I WANT THIS INQUIRY REMOVED NOW THIS INQUIRY IS FRAUDULENT AND NOT MINE, AND IF YOU SAY ITS MINE I WANT CONCRETE PROOF BY FCRA GUIDELINES THAT PROVE THIS WAS ME IN WRITING WITH PURE PROOF THAT THIS WAS WIHTOUT ANY UNREASONABLE DOUBT ME THAT APPLIED FOR THIS ACCOUNT OR NONSENSE I FNOT REMOVE THE INQUIRY OR I WILL SUE YOU FOR SLANDER, FRAUD AND INVOLVE THE ATTORNEY GENERAL AND TRADE COOMMISSION AND I AM NOT KIDDING HOW DARE YOU TAINT MY REPORT WIHT XXXX XXXX
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: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I wish for these unknown inquiries to be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I was approached by a XXXX XXXX employee with an offer to apply for a credit card. They said that I would get a {$50.00} credit if I applied today. I went home the same day and applied for a XXXX XXXX XXXX through Synchrony Bank on XX/XX/XXXX. The offer was posted online as well. I saw on my statement that they only gave me a {$30.00} credit. I called on XXXX to ask why and they said I was not approved for the credit card until XX/XX/XXXX which was after the promotion ended. Even though I applied and eventually approved they would not honor the advertised offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A