Date Received: 2023-01-21
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: I applied on-line for an Amazon Store bank card XXXX XX/XX/2022, I received a email letter from Synchrony Bank requesting for additional information to process my application. Before responding to said request, I call the bank spoke to a Synchrony bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. Not only Synchrony Bank employed agent was not truthful in his statement, he failed to mention that XXXX XXXX XXXX would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from Synchrony and XXXX XXXX Due to what appears to be an unscrupulous practice, I will never request and/or apply for any products or services from both said banks.
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: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ive made a purchase with this company and it just seems like no matter what I do to pay it off. It just seems like fees keep reoccurring I have to keep calling and telling them about fees that are being added to my account. I can not pay off this account no matter how many times I make a payment. It just seems like it keeps increasing in amounts. I keep seeing charges that should not be their fees that should not be charged. Im really confused about this account and every time I try to call it just gets worse nothing gets resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95121
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Someone is using my info to open and use a XXXX XXXXXXXX XXXX credit card. My credit has always been outstanding and in the last 60 days its dropped hundreds of points due to this credit card claiming I am delinquent on a debt I do not owe. I do not have a XXXX XXXX XXXX credit card and would like for this matter to be investigated. I have made a fraud claim with them directly and am now making a fraud claim with you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX I received an email from Synchrony about my automatic payment. I opened it up and saw they pulled the entirety of my card balance out of my account. I called immediately because that was not how I set up my automatic payments. They said they could not refund the money at that point. They said they would turn off the automatic payments for the future. My checking account was negative. I called my bank and they thankfully put a stop payment on it. The next month it pulled again. My checking account was negative again. I spoke to a chat representative who said he could only refund {$50.00}. Which did not make sense as it had just pulled over {$500.00} from my account. I said that was unacceptable. He abruptly said " sorry '' and ended the chat. I called in at that point and spent over an hour on the phone. The rep I spoke to saw that the notes indicated I had stopped my auto payments but it was still on. They issued a check to me ( I had assumed it would be an echeck ) but then stated it would take 15 days. I asked them to cancel that and I would again call my bank to put another stop payment on it. I spoke to XXXX different reps during that time and XXXX of them stated they would cancel the check. I check my balance the following month and see that they have added the check that they assured me they would cancel to the balance I owe. I have since had them remove it but I'm afraid it will incur interest for the time it spent on my balance owed. If they can take payments out electronically, they should certainly be able to refund automatically. This feels shady, an they do this to many others, and they get to ( probably ) collect interest on these amounts for the 15 days we wait for a check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I sent {$10.00} to Sychrony from XXXX attracted by their advertised 3.75 % rate on a high yield savings account. After this posted, I then sent {$4900.00} on XX/XX/XXXX. I opened an account with them after reading decent reviews, but after doing more research, I have found lots of negative reviews and I do not have reason to trust this bank. Today, on XX/XX/XXXX am trying to close my account with Synchrony and return the funds to the account that I funded my Synchrony account with ( my trusted XXXX bank account ). Here is the rub. I am currently overseas living in XXXX on a work visa XXXX XXXX XXXX XXXXXXXX XXXX. I do not have access to my US phone number while physcially in XXXX and can not pass their 2 factor authentication to log into my account and make a transfer and close the account. When I called their account, they told me they had to confer with the back office in and make a decision. They did not provide a case number, just a name of a supervisor along with their extension. This seemed suspicious to me. I read more reviews of their negative customer service and now I am worried about my money. I want it back in the bank account ( XXXX ) I used to fund this account and I want to close my account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was notified of a summons of garnishment by my current employer. After reviewing the summons sent to my job, XXXX XXXX XXXX XXXX, has my former name, address, and phone number from over 5 years ago. I called XXXX XXXX XXXX in XX/XX/XXXX to attempt to correct thewrong contact information and set up a repayment plan but they have not helped with anything. Im the sole legal provider for my son and Im now having difficulty paying bills because of the garnishment applied being pulled from my wages. My court date per the summons is XX/XX/XXXX for a total of {$4800.00}. I recently found out that this summons was sent to my prior address even after I requested it to be changed and the tenants at that property are texting a picture of the summons to individuals that now have access to my social security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: About XX/XX/2022, we received a letter from this creditor stating they closed our account. The reason given is the number of dishonored payments on this account. We have no idea what this means and have never been notified of any issues with payments for the 1 year we have had this account. We have filed a complaint with the XXXX XXXX XXXX requesting documentation supporting their decision to close our account. To date we have not received anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: During the pandemic when millions of us lost our jobs in XX/XX/XXXX, I was one of those people. Due to the amount of money finally disbursed, it was not enough to catch up on debts owed. During this time frame, ALL of my creditor except Synchrony Bank ( PEP BOYS ), assisted me in paying all of my debts. Synchrony stopped communicating with me in XXXX of XXXX. I have attempted on several occasions to contact and pay my balance. Synchrony locked my account rather than assisting me with resolving my balance owed. As of XX/XX/XXXX I was served a warrant of Debt by Synchrony through their collection firm XXXX XXXX XXXX and a court date of XX/XX/XXXX suing me after I have made repeated attempts to contact Synchrony and settle the matter. We were in the middle of a pandemic and shutdown by the State government. I am ready and able to resolve the matter with Synchrony, through Synchrony. I have paid off ALL of my other debts due to the pandemic, why would I not do so with one final creditor?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: synchrony bank denied my application stating they were unable to verify my Identity, I applied for this card in person at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, I provided them with a copy of my ID and they verified it was me. synchrony also sent me a letter in the mail asking me to complete form XXXX which i did. synchrony Bank claims they check credit reporting agency XXXX and the data was inaccurate but that's a lie. I request a copy of my credit report and every information i provided was accurate. I will attach a copy of my credit report and also the letter synchrony bank sent me in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: CareCredit ( through XXXX ) provided a promotional 0 % interest offer for certain healthcare-related expenses. The 0 % interest applies if the promotional balance is paid off within a specified timeframe. I paid well over the minimum payment every month ( always well before the due date ) but they distributed the payments between the 3 different promotional balances. Even though I made payments large enough to pay off the promotional balances in the order in which they were charged, they are not getting paid off and they are starting to charge interest. Even now, I have a {$30.00} balance on a promotion that ends XX/XX/2023, but if I send in a {$30.00} payment, they will apply a small portion to the {$30.00} and the rest to the larger balance and then charge interest on the expiring promotion - PLUS charge deferred interest. I feel this is tricking the consumer and it's not made apparent. Please investigate this further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A