Date Received: 2023-01-19
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 contacted Synchrony Bank on XX/XX/ regarding fraudulent charges that they allowed to go through on my credit card that maxed out the credit card. After identifying the charges with their representative I was told that it could take up to 60 days for the fraud claim to be fully resolved but they would be issuing a temporary credit within 48 hours for the amount of the fraudulent transactions so I would be able to use my card again. On XX/XX/, I noticed that the provisional credits had not yet been applied to my account and I was still unable to utilize my credit card. I called Synchrony bank again to inquire about the status of the provisional credit. At first the representative told me that it would take 60 days and that there was no way to provide a temporary credit. After informing her of my previous conversation, she admitted that she could do it but it would take an additional 48 hours to process. As part of this credit card, I received a promotional discount on all gas purchases made during a specified time after opening my account. Due to Synchrony bank not following their own procedures and not processing a provisional credit for fraudulent transactions as they promised they would, I have had part of that promotional period taken away at no fault of my own. Due to this, I will have to pay additional money that I would not otherwise have had to pay because of Synchronys negligence in blocking fraudulent transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX, I purchased a mattress at Mattress Firm through Synchrony Bank financing for XXXX. I got charged I tried to set up an account to set up automatic payments, but could never do so. Having a previous Synchrony Bank card, I was hoping to tie the same user name with this account. It never rejected it by saying not a valid user name and only kept giving me errors, so I could never register for an account. After XXXX MONTHS of trying to register, it FINALLY said user name not available. So, I had to make a new one. However, I had XXXX months where I was late on my payments and had late payment fees. I immediately contacted them through chat once I got my account set up, and they advised me they couldn't help me. So, I messaged the Customer Service XXXX through the account and they refunded XXXX of the late fees. I wrote back and asked for the other one and the interest that was added to be refunded. They went ahead and refunded the second late fee, but REFUSED to refund the interest. Even though it is just {$2.00} in interest, it is a LIE that it's a XXXX INTEREST IF PAID IN FULL promotion, so NO INTEREST should have EVER been added, period. Synchrony Bank claims it's in their terms and conditions. Well, they are known to be sly and sneak stuff in there, knowing full well, we can't read all of their terms and conditions and agree to them. To top that off, they are doing nothing but predatory lending. This is a BLATANT LIE and a perfect example of predatory lending when it's a XXXX INTEREST IF PAID IN FULL PROMOTION. Synchrony Bank is nothing but trouble and it needs to have a federal investigation launched against them for predatory lending practices and taking advantage of people, knowing full well that they will get caught with checking the " I agree '' box to the terms and conditions, that have not been read because it's so much and overwhelming to the average person. From : XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply I will be filing a formal complaint with the XXXX and other consumer protection agencies, as this is predatory lending, and I CLEARLY stated what happened and how there were errors on YOUR end for me not being able to set up an account to do automatic payments so I wouldn't run into this issue. Synchrony Bank is nothing but predatory lenders and they continue to prove that. Thank you for refunding the late fees, but I will no longer be doing ANY business with Synchrony Bank from now on and will be sharing my experiences with Synchrony Bank and to AVOID you at all costs. I truly hope a XXXX investigation is launched against this horrible " bank ''. From : Customer Service To : XXXX XXXX XX/XX/XXXX XXXX EST HelloSuz, Thank you for your recent inquiry regarding your Synchrony Bank account. We appreciate your message and the opportunity to be of service to you today. We appreciate you contacting us about your fee waiver request. Let me help you! The XXXX late fees on your account were part of your regular balance which caused interest on your account. No worries! We are crediting your account for fees in the amount ( XXXX ) shown below.You will see the credit applied to your account within the XXXX hours. Late Payment Fee ( XXXX ) : {$30.00} On the other hand, after reviewing your account, we are unable to fulfill your request to remove the interest. Information about how the interest charges and late payment fees are assessed, and how those fees XXXX be avoided, can be found in your cardholder agreement as well as the XXXX XXXX section on your statement. I'm sorry our response could not be more favorable at this time. Thank you for contacting us and allowing us to address your concerns. If you have any questions or if we XXXX be of further assistance in the future, please contact us via the XXXX XXXX XXXX or at XXXX. We value the opportunity to assist you and appreciate your feedback. Sincerely, XXXX Customer Service Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX '' XXXX Received : XX/XX/XXXX XXXX PM EST To : XXXX Subject : RE : Billing Inquiries Thank you. Is there any way to get the {$31.00} refunded also? So, the {$2.00} minimum interest is because of the late fees, correct? I am setting up automatic payments now that I was finally able to set up an account. So I wont ' have to worry about that. I am calculating to ensure that I pay off my balance by the end. Thank you. Respectfully, XXXX From : Customer Service To : XXXX XXXX XX/XX/XXXX XXXX EST Hello XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account. We appreciate your message and the opportunity to be of service to you today. We apologize for the delay in our response. Your inquiry is important to us. Your account balance consists of both promotional and non-promotional balance. You XXXX avoid interest on any non-deferred purchases by adding the amount of New/ Non-promotional Purchases to the XXXX Required Payment from your statement and sending that amount as payment. As of today 's date, your non-promotional balance is {$43.00}, on which interest charges are still applicable. Thank you for the information you provided. We are crediting your account for fees in the amount ( XXXX ) shown below. You will see the credit applied to your account within XXXX business days. Please be advised your minimum payment will not change.The total minimum payment due is the total of any past due amounts and current minimum payment. The totalminimum payment amount must be paid by the payment due date of XX/XX/XXXX in order to avoidlate fees andto keep your account in good standing. Late Payment Fee ( XXXX ) : {$41.00} We can certainly understand your frustration with the events that have transpired and the amount of effort you have applied in trying to have this situation corrected. Please accept our apology for any inconvenience, which you have experienced. For further assistance, please reach out to our Customer Care Team XXXX. Thank you for contacting us and allowing us to address your concerns. If you have any questions or if we XXXX be of further assistance in the future, please contact us via the XXXX XXXX XXXX or at XXXX. We value the opportunity to assist you and appreciate your feedback. Sincerely, XXXX XXXX. Customer Service Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX '' XXXX Received : XX/XX/XXXX XXXX PM EST To : XXXX Subject : Billing Inquiries Hi, So, chat was useless and they said they couldn't resolve my issue, which I find extremely confusing and rude. So, hopefully this will work. XXXX ) I wasn't able to register my account for XXXX MONTHS. I FINALLY was able to get registered tonight. So, I missed payments and had late fees posted. Is there any way you could refund those as a courtesy, since I wasn't able to get this account set up? It kept giving me some type of error and tonight, it worked. I would appreciate the courtesy. XXXX ) I am on a promotional payment plan. However, the bill showed a minimum interest purchase. As I understood, there would be XXXX INTEREST added if PAID IN FULL by the end of the promotional period. WHY did I have a {$2.00} minimum interest fee added to my bill? Please explain these fees, as I feel this is predatory lending. Thank you. End of Messages
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 680XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I've noticed that I had received a few email communications and marketing information for " XXXX ''. We share a last name but my name is not XXXX, and I do not know anyone with his name. Because of this, I deleted the emails considering them junk/phishing emails without really looking at them and believing it was a fluke that would resolve itself soon enough. Today I just happened to read the information in the email and realized the email had the customer 's full name, the last 4 of their credit card number, available card balance, and referenced his birthday. In my opinion, this PII is a great starting point for identity theft. So today, I contacted Lowes Credit Services/customer care ( Synchrony Bank ) to advise them of the issue and share my concern that if they are sending his information to me that I felt my information may be compromised as well... I spoke with XXXX at approximately XXXX XXXX XXXX who told me it couldn't happen. Well obviously it can because I'm getting his email which has a lot of his personal information. I conceded that maybe she might not have the tools to investigate further but I was extremely concerned that she wasn't even considering escalating this issue or trying to identify the correct person to which the issue should be passed. As a database programmer, I felt fairly certain that the 'correct person ' could search by email address ( since I'm receiving his information via email ) and find out whose account information I was receiving. I offered to provide my email address so they could search by email and find the account but she expressed no interest. I didn't want her to confirm his information with me... I wanted her to identify and fix his information and verify that mine isn't being sent to someone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I purchased and XXXX XXXX XXXX inch described as new and came with a DVD Player from XXXX with my Synchrony XXXX XXXX. But when I tried to use the laptop, it was neither new nor had a DVD Player. I have been disputing it for months now, with the seller, with XXXX and last dispute was with Synchrony Bank. Neither of them responded except the seller apologized and offered me {$25.00}. I'm a senior and can afford to lose this kind of money and the amount is {$490.00}. It's been several months now, but instead Synchrony Bank reduces my credit limits due to misunderstandings with my credit score that I'm working on fixing with the help of XXXX. When my credit score was XXXX, I was subjected to IHSS Gubernatorial Tort for 3 months, illegally with no payments. I'm working on an appeal with them. But then Synchrony bank sends me a letter today with no questions asked, reducing my limit. I've been a loyal customer with XXXX for over 20 years, but because this month 's payment failed synchrony bank is assuming I did not make the payment. In fact, when I spoke to XXXX, he understood that I had made the payment but because my checking account number changed, Synchrony Bank rejected the payment. I then today, immediately called Synchrony Bank and made the payment immediately with my XXXX XXXX XXXX XXXX linked to my new account, but it's the same debit card I've had, it did not change. I explained to him that I did not get the checks until weeks later, but when XXXX XXXX gave me the new account number it was missing one number. So instead, Synchrony Bank sends me a letter reducing my credit limit, without advance explanation or questions, accessing my credit bureaus without my knowledge or authorization. If they had asked me first what has been going on, I would've explained it. Since, I'm still the same reputable creditor I was when I had a XXXX score. They took action without considering my over XXXX loyalty record with them! Please help me. It's all misunderstandings, due to circumstances beyond my control. In fact, the very thing they are disqualifying me about is the very thing theyre making worst by lowering my limits, affecting my credit score. I dont understand why entities complaint about something theyre the ones making it worse! Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Between XXXX XXXX XXXX and XXXX XXXX XXXX, the limit on your SYNCB/PAYPAL CREDIT CARD credit card decreased by {$1500.00} from {$2000.00} to {$440.00}. wasnt able to attach to previous complaint again a credit limit of XXXX in XXXX TO XXXX IN XXXX XXXX MONTHS LATER WITH THAT DECREASE IT DROPPED MY XXXX XXXX BY XXXX POINTS AND SAID I WAS OVER MY LIMIT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear CFPB, Synchrony Bank On XX/XX/XXXX I placed a complaint on file regarding a retail store credit card with Synchrony Bank/Rooms To Go and the issue is still not resolved but has escalated into a bigger issue. On XX/XX/XXXX my Rooms To Go account with Synchrony Bank was closed and reporting closed by the creditor ; stating the there were a number of dishonored payments on this account with a reporting status on my credit reports as closed/never late, a balance of {$1800.00} a High balance of {$5600.00}, a monthly payment of {$270.00} and has placed a late fee charge of {$41.00} dollars an additional outside other late fee charges made on XX/XX/XXXX the billing due date payment of {$260.00} mentioned in the original complaint # XXXX while In litigation regarding Synchrony Bank/Rooms To Go that also created a negative status with my bank institution with XXXX XXXX XXXX XXXX from a returned check fee of {$29.00}. They are also reporting inaccurately on my Synchrony account statements ending # XXXX a payment due of {$540.00} expecting XX/XX/XXXX after closing the account. Credit reports with XXXX XXXX, XXXX, and XXXX are inaccurate. ( See Attachment ) According to the Synchrony Disclosure they are not to request any payment due while going through any dispute process as it relates to any interest fees, or late fees, or any additional charges that are inaccurate on the Synchrony account they are not to charge me or expect any payment from me until the dispute is resolved with a resolution. The complaint # XXXX with CFPB on XX/XX/XXXX regarding late fees, and inaccurate information reporting to the credit bureaus XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and any other credit reporting agencies I was made aware was the initial problem I was having. Secondly, I requested a resolution to the issues to have the Creditor restore the credit limit I was approved for of {$6400.00} dollars and to report positively to the Credit Bureau which was the only part of the resolution applied. The remainder of the resolution was to have all negative late fees restore back to my linked bank account with XXXX XXXX XXXX XXXX ending in # XXXX that was charged to my account on XX/XX/XXXX of {$41.00} ; XX/XX/XXXX of {$41.00} ; and XX/XX/XXXX of {$41.00} dollars totaling {$120.00} dollars. I also requested for Synchrony Bank/ Rooms To Go to clear the balance of {$1500.00} which they now have set the balance as {$1800.00} reporting to all the mentioned credit agencies in this complaint and the whole total statement balance {$1800.00} to be cleared and reporting paid on my account. I have never been late and my monthly payment in the legal contract after financing approval was only for {$220.00} and not {$270.00}. NOW, if Synchrony Bank is going to closed my account and not return any of the late fee charges they have illegally charged me for as well as the returned check fee that they were responsible for me XXXX XXXX account charging me for of {$29.00}, then I request for them to correct the status of my statement payments owed and statement balance of the {$1800.00} and update all the credit bureaus of the Credit Status, Balance, and Monthly payment reporting the current and most accurate information. THEREFORE, there needs to be a further and new investigation reviewed on my behalf and treated fairly against the banks, lenders, as well as financial institutions and sent to Headquarters & Communication Department, Texas Regulations Department of Credit & Retail Cards. On behalf of the discrimination of human rights under the American Disability Act and CFPB it is in the best interest for my rights to be protected. IT IS ORDERED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 a credit application was submitted at XXXXDick 's Sporting Goods without my consent or approval. SYNCB 's Fraud department was contacted the same day by me, and I filed a dispute for the inquiry showing on my credit file. I was told by SYNCB that I will receive a letter in the mail within 10 business days in regard to my claim. I then contacted XXXX to file a dispute for the inquiry showing on my credit file. Furthermore, I requested that XXXX freeze my credit and submit a fraud alert. The customer service representee in the fraud department instructed me to also file a report with XXXX. After attempting to file a report with FTC.gov I was redirected to the Consumer Finance Protection Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
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: 2023-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This Inquiry was made by a third party without consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for Care Credit and XXXX XXXX through an ad on XXXX. Both of the consumers stated that it would be a soft inquiry and would not affect your credit score! This needs to be addressed if they are pulling hard inquiries and being deceptive to applicants!!! I have screen shots but only camera comes up not able to upload screenshots of companies stating " see if you qualify with no impact to your credit score ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76111
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was never provided full disclosure, never gave consent. My information was shared with a third part without my express permission. Nor was I ever give the opportunity to opt out. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A