Date Received: 2023-01-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a Sam 's Club Mastercard through Synchrony and they out of no where Closed my account. Account has always been in Good Standing and always paid on time. From one billing cycle to the next account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91340
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My credit report has XXXX XXXX as an employer. I have NEVER worked for them. I work for XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX : please remove inquiry from my report. I only agreed to a silly inquiry XXXX : please remove charge off and closed from my report. It was opened fraudulent by a XXXX without my knowledge. I have paid it in full. Same issue happened with XXXX account but is hurting my credit XXXX : please XXXX charge off and closed from my report. It was opened fraudulent by a minor without my knowledge. I have paid it in full l. Same thing happened with XXXX. Small account but hurting my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
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: Problem with personal statement of dispute
Consumer Complaint: XX/XX/XXXX lowes checked my credit without my permission, i have ietters from lowes and synchrony that the inquiry would be removed.It has now been almost 7 months and still remains on my credit report WHY?. The last time they dismissed the complaint saying it was a duplicate, This is not right yet i guess i have to file a legal action, I really believed in your company and you failed me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a customer of Synchrony Bank XXXX Care Credit. Recently my account changed from a Care Credit charge card to a Care Credit Rewards Master Card. This was not a change that I requested. Due to the change and subsequent confusion regarding which app or website to use to make a payment as well as personal infirmity, I missed a payment that was due on XX/XX/XXXX. On XX/XX/XXXX I received a call from Synchronys automatic payment reminder system. At that time, I opted to use my XXXX debit card to make a {$200.00} payment to my account ( the minimum due was {$54.00} ). I received a confirmation number for my payment and immediately saw the transaction as pending in my checking account. A week later I received another call, as well as an email, reminding me to make a payment towards my account. Having just made a payment, this alarmed me. I logged into my account and saw a charge for a late fee, but no evidence of my payment of {$200.00}. I looked at my checking account and found that the {$200.00} transaction had been debited from my account on XX/XX/XXXX. From there, I contacted customer service for Synchrony. I explained the situation from my perspective and why I was concerned. I was advised that the payment had been processed, but not posted to my account. They offered to file a dispute on my behalf. The agent could not tel me where my payment was, nor any other information. I was assured that this is the first time this has happened and that they would file a dispute. I maintained then, as I do now, that the only thing in dispute is what Synchrony has done with my payment. I escalated my call to a supervisor who repeated that the payment had been processed but not posted and that a dispute would be filed on my behalf. They offered no further explanation but assured me that the payment just needed to be posted to my account. I was advised to wait XXXX hours to see the payment post. On Monday, XX/XX/XXXX I looked at my account to see if my payment had been posted. It had not. I submitted a message through the secure messaging system to follow up on the status of the payment. On XX/XX/XXXX I received a message back stating that they could not find evidence that the payment had been made and requested that I submit proof from my financial institution. I contacted customer service via phone again on XX/XX/XXXX and asked for a follow up. I was told again that they could see the {$200.00} payment but that it wasnt posted. Further inquiries into the matter resulted in obfuscation of information regarding my account, demands that I provide proof of the transaction, and overt coercion to make an additional payment while the dispute was pending. Again, I escalated the matter to a supervisor. The same information was repeated and demands made. I contacted my financial institution for the requested information. They advised that this was a straightforward debit card transaction that was fully processed. After consulting with an escalation team, the representative advised that the level of information requested by Synchrony for this type of transaction was onerous and suspicious. They provided me with all of the tracking information for the debit card payment and stated that the option of disputing the payment was available to me if I wished to exercise it. I have provided the information regarding the payment to Synchrony through their secure messaging system and am awaiting a reply. I want help, please, resolving this matter and holding Synchrony accountable for their gross mismanagement of my good faith payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had a card with Synchrony Bank for over a year. I got the card through XXXX. I bought doors on it and I had my bank on automatic payment to pay it off. I over paid and they sent me a check XX/XX/2022 with the overpayment. I just bought cabinets on the card on XX/XX/2022. I set up the payments for my bank to draft a monthly payment to them. I sent them a payment in XXXX and XXXX. In XXXX they tried 2 times to draft my bank for the full amount unbeknownst to me. I did not have the funds in that acct for the full payment of over XXXX. They immediately closed my account. I have reached out to them two times and the first time, the manager looked over my payments and said that she would send it to the board to review. I spoke with another manager yesterday and she told me too bad. It appears that the acct switched over to pay in full. I informed her this was a glitch on the computer programs and not mine. She could see that I was paying each month. She told me there is nothing that they could do. I informed her this would hurt my credit score and that I have good credit. She said there was nothing that I could do and that the account was closed. She also told me that I could open up another card. Please help me figure this out and repair my credit. I shouldn't be penalized for a glitch in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
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: Synchrony Bank XXXX Care Credit - XXXX I paid off my Care Credit balance of {$1900.00} on XX/XX/XXXX through my banks bill pay. I normally paid the account this way. Without my knowledge, Care Credit created another account and the payment went to a different account and created a - {$1900.00} balance. This still left the other account with an outstanding balance of {$1900.00}. So, I called to remedy the situation with the accounting department. The woman on the phone assured me that the problem would be resolved in a few business days. When the problem wasn't resolved ( I checked my online account ), I called again with the same problem and was sent to accounting again. The problem was not fixed and they assured me it would be resolved this time. So, thinking it was finally resolved I closed my account over the phone. The account closed. I received a statement in my email yesterday XX/XX/XXXX saying I still owe {$1900.00} and my payment is due in XXXX. Again, I called the accounting department and the woman ( XXXX XXXX told me that they hadn't fixed the problem properly and there was still a problem with the account and it would take 3 weeks to fix. By this time, I will be charged late fees for the existing balance on the account. I wanted to let you know that this is happening with this credit card company so that others are informed of the dangers of dealing with them. I would like to believe the situation will be resolved this time, but my confidence and trust that they will actually fix this problem is pretty much gone. Thank you for your time and understanding. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40475
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I initiated a transfer of {$10000.00}. from my XXXX Account to Syncrhony Savings. According to transaction number XXXX this transaction was completed on XX/XX/XXXX. I saw on XX/XX/XXXX & XXXX on my Synchrony Mobile App that the amount was pending. By XX/XX/XXXX, the amount was no longer pending to my account and NOT credited. I have been back and forth between XXXX and Synchrony as to where my money is. XXXX says they can not issue a reversal or stop payment because the transaction is complete and Synchrony says they have not received the payment ( even tho from my mobile app I saw it pending on XX/XX/XXXX & XXXX ). I have submitted a claim with you for XXXX but in case the issue is with Synchrony, I am also submitting XXXX with you for that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt. According to the FDCA, this is a direct violation of my rights and I am entitled to collect damages, minimum {$1000.00} for every violation that XXXX has committed against me. Synchrony Bank has equally violated my rights specifically as it relates to the aforementioned law code. I request that the alleged XXXX account ending in XXXX is immediately removed from my credit report. Should a XXXX representative choose to deny this request, you hereby understand and agree that XXXX is liable for the damages that have occurred due to any and all violations committed by XXXX which shall be restored with monetary relief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Checked my credit score through my primary bank ( XXXX ) on XX/XX/XXXX. Discovered that XXXX XXXX XXXX XXXX negatively affected by a credit card under SYNCB/PPC having created a {$3400.00} charges to a credit card I had not opened. On XX/XX/XXXX. I contacted the XXXX number provided by XXXX that connected me to XXXX and XXXX bank where I confirmed my identity and confirmed that the credit card was created fraudulently. I was eventually connected to the fraud department at SYNCB/PPC who said they had now closed the account while they investigate the matter. It appears that the credit account was created in XXXX of XXXX and had not been used until recently so I hadn't noticed any effect on my credit rating nor received any communication about the account 's creation. I do not recall giving any of my information out online to any disreputable source however my SSN is required to be submitted to employers and other accounting services when I send invoices. I plan to check if my information has been acquired through any data leaks or service hacks. I am planning on reporting the problem the the major FICO companies and issuing a fraud alert on my credit. If any problem persists then I may freeze my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 SYNCB/TJX CO DUAL CARD XXXX bank ) report a hard inquiry on my XXXX credit report, I have never applied for any financial product from this bank and also in that date I haven't had SSN yet so I was not able to apply to get any financial product. This is only being show in XXXX. I need this company to remove this inquiry from my profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A