Date Received: 2023-01-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a Paypal Savings account which is a joint-venture between PayPal and Synchrony Bank XXXX I have not been provided an account number or routing number for the savings account. As a result, I am unable to transfer money from PayPal Savings account to a different financial institution. Upon calling their contact center, they said they dont have access to my account number and cant provide me a routing number.
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: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XXXX I applied for a sams club mastercard issued by synchrony bank. When I applied for the card I received no response or indication of approval or denial. On XXXX I called synchrony bank and explained I had applied for the sams club card and received no information on a status of my application and was not notified electronically or anything. Their online app just took my information and that was it. The rep at synchrony said because I had " fraudulent activity in my history '' ( which i have no idea what that even means as their has been absolutely no fraud activity on my credit report or any or financial account ever ) that I was required to submit to an identity verification process via my mobile phone to approve the account. i agreed and did their very bizarre verification request. After I was done with that they approved the request and opened the account. However it was very strange, as I have very good credit and no mad mark on my credit and I am not in a lot of debt, they gave me a very small line of credit but what really took me back is they assigned a ridiculously high interest rate to me. Like a predatory high XXXX some percent interest rate. This makes absolutely no sense as at the time of applying I had over a XXXX credit score. Fast forward to 1 week later I receive a letter in the mail ( file attached ) saying they didn't assign the best interest rate to me because of my credit. On the letter it states my credit is a XXXX based on XXXX. Anything above 750 is consider top tier credit so exactly how could I not qualify for their best rate based on my credit as my credit is nowhere near poor, it's quite the opposite. I have attempted a few times to call synchrony and question this as it doesn't seem right at all. They bounce me around on calls, won't address my questions, seem annoyed at the fact that I am questioning being charged in interest rate typically reserved for poor credit which I don't have and they just generally seem very against helping or answering me at all. Even after I point out the very letter they sent to me contradicts itself and proves my credit is very good they just wont address the issue. I have talked to 4 other people who have this very card and were very taken back by the process I had to go through let alone the treatment I am receiving. I even talked to sams club and they also confirmed the process I had to go through is unheard of and very odd. This to me seems to be very discriminatory on synchrony 's part as there is no justification for the poor treatment, credit rate/line. I should be afforded the same rates and line of credit as others in my credit rating category and I am not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52403
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Synchrony You've updated a scheduled payment for your CARECREDIT / SYNCHRONY BANK account. Thanks for the recent update to your scheduled payment. Review changes below, if needed. Payment Date : Payment Amount : Confirmation Number : XX/XX/2023 {$51.00} XXXX Didn't make this change? Let us know. If this was you, you're all set. Tried calling, can't get a human on phone, want to pay off and cancel card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
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: I have bought gold jewelry from XXXX XXXX XXXX XXXX and I paid with my XXXX XXXX XXXX card which is provided by Synchrony Bank on XX/XX/2022. I paid XXXX dollars for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but what I received from XXXXXXXX XXXX XXXX was a gold plated XXXX gold bracelet that is also XXXX inch in length instead of XXXX inch and XXXX mm thickness instead of XXXX mm so the item I received was NOT as described on the seller XXXX website and it is NOT XXXX solid gold but only XXXX plated gold so XXXX XXXX jewelry sold me an item that is NOT what I paid for and not as I ordered and has a lot less gold in it and different length and thickness. I contacted XXXX XXXX XXXX to return the item and get a full refund but they never responded to my issue and never resolved the issue. I disputed the charge with synchrony bank but synchrony bank has not credited my account and has done nothing to resolve the dispute. I was scammed by las villas jewelry for XXXX dollars and synchrony bank should give me a permanent credit for the amount of XXXX dollars but they never did. I was sold an item that is NOT what I ordered but is XXXX gold instead of XXXX gold and different length and thickness. I want a full and permanent refund to my XXXX XXXX Master card for XXXX dollars .and synchrony bank is not resolving this dispute to my favor and has done nothing and never refunded me. The charge is from XX/XX/2022 for XXXX dollars from XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I made 2 purchases from Ashley Furniture, in XXXX and XX/XX/2022. Both of which I had waited over 6 months to purchase waiting for their 0 % interest for 60 months promotion began. Once I was emailed that 0 % began, I made the purchases on the card I had applied for, and had open for months prior to the purchase ( again, waiting for the right promotion ). Then I get my statement and I am being charged 9.9 %. I called, XXXX said to take it up with Ashley. I called Ashley, they dont have a billing department, but escalated this issue, and after over an hour mostly on hold for someone higher up, I was told theyd call me back with an answer. And I have not heard anything from them since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
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: This particular account was supposed to be draft out of my account. There was a billing error that caused credit reporting to be showing ( 2 ) 30 day lates. My account has never been 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony Bank ( " bank '' ) caused a hard inquiry to appear on my XXXX credit profile without any legitimate basis which caused my XXXX XXXX to be reduced. When the bank failed to resolve the issue, I filed a Complaint with the CFPB ( Refer to XXXX ). That case was closed when the bank 's XXXX XXXX, issued her letter dated XX/XX/2022 dismissing my concerns and which provided irrelevant and condescending information regarding the difference between hard and soft inquiries as well as XXXX XXXX and an actual credit reporting entity. I responded to the bank and used this to reopen my case. Attached is a copy of my letter with attached copies of the referenced XXXX XXXX letter and a copy of the actual hard inquiry. I have also referred the handling of this matter to XXXX XXXX, XXXX and XXXX or Synchrony Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Consumer attempted to investigate an alleged debt via certified mailed notice received XX/XX/2023. Synchrony Bank in turn restricted the consumer account in retaliation possibly as stated in a notice dated XX/XX/2023. That is an adverse action toward the consumer and true creditor pursuant to 15 USC 1691 ( d ) ( 6 ). Synchrony Bank also reported negative and unverified information to consumer reporting agencies. The consumer does not consent to, benefit from, or authorize the actions of Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony bank has been illegally obtaining customers credit reports/data without permission to make adverse credit decisions on accounts in GOOD standing with no issues. I had a perfectly fine account closed by Synchrony bank. No late payments, no issues, just closed. First was the Mattress Firm XXXX, they sent me a letter similar to the one you will see for my Lowes account, which they JUST lowered my credit line for NO reason. But illegally obtained information I did not authorize them to have aka My credit report. This has happen before, and I currently bank with : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and more, and Synchrony is the ONLY business doing this. Please read my letter, and see for yourself if you believe this is something a US based company should be doing. I didn't authorize them to check my credit, at the worst time of the year, of course my score is low only due to credit utilization. No late payments, no other information on my credit report is horrible, which I will provide to CFPB if needed to prove this is not only illegal in action by Synchrony but completely Unjustifiable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98407
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have completed all the details provided, but I have not received a credit or debit card account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A