Date Received: 2023-01-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up for the Paypal XXXX XXXX. To date, I have received only 4 statements. Every month other then XXXX, I have made large payments to keep my balance down. The first month the payment was just under {$300.00}. For both the second and last statements, I paid {$300.00}. Both times my available credit was reduced by the amount of my payment, so I didn't have my full balance available. Currently, paypal shows I only have {$7.00} available credit and a balance of {$190.00}.??, which totals only {$200.00}, yet my credit limit is {$500.00}. I am being penalized for keeping my balance lower. They are claiming out of character, but the attached statements show that isn't the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 749XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I dont remember the exact date because it was last year. There is a XXXX XXXX XXXX synchrony bank. They are used by XXXX to finance repairs and some other places. My use was XXXX. I have tried paying off my credit multiple times and they wont let me access the account. I cant use the account nor access it in any way. I tried over the phone I tried on the website. There is no way to access my account. My XXXX XXXX has dropped to a XXXX because of it. Im XXXX and with my XXXX XXXX credit card Ive had no issues making payments. Due to losing my vehicle I was not making much money so my credit usage is through the roof. But I have not missed a payment. I also use affirm which again I have not missed a payment I usually keep cash so my account stays low but I keep money in if I know I will use it. I can show my credit card and affirm issue and show I have no issue. Synchrony on the other hand Ive made XXXX or XXXX payments but since then I have been locked out. I have more than enough to pay it off now but am not able to. I copied & pasted my information from chase to make the payment but nothing is working. When they called I told them I would pay it in full then they suddenly have no history of my transaction. I dont know how to pay it or get it removed from my account. Please help remove this company and provide a way for me to fix my ruined credit score. I am not able to get a new vehicle due to this. The vehicle I have was payed off within a month of purchase. The issue is not funds but approval
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: [ XX/XX/2023 ] To Whom It XXXX Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ PayPal Credit ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it. This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. Truly XXXXXXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Synchrony Financial never mailed a bill to me. They said they emailed but that was put in our company spam filter. I did speak to the company in XX/XX/2022, they waived all late fees and canceled the card per my request. They did correct my credit report but the next week reversed the correction. This is all about a {$24.00} shower curtain! My credit core has been consistently over XXXX for over 10 years, now it is in the mid XXXX all do to this. I have had my credit reports locked down for over 7 years and since i had a card with Synchrony they kept inquiring about my credit further damaging my score. Please help! thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Please find below my transactions using Synchrony XXXX Credit card. Date PromoRate Amount XX/XX/XXXX 0 % XXXX XXXX XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XXXX XXXX I made automatic payments to my account and continue to do until this afternoon. When my balance for my account reached XXXX, they added an interest of {$740.00} to my account claiming that I did not pay the balance at the end of the promotional period. As file this complaint to continue to add an interest of $ XXXX my account on a monthly basis. I have been on the phone with their customer service for over 20 times since finding out that they had recalculated my interest without any notice. Until i found out that they added {$740.00} as interest to my account, I did not receive a single notice from them. No bills, no notice indicating that my promotional period was ending either. This institution is not reputable and their customer service acts clueless when contacted on the phone in a bid to resolve issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX, I applied for a XXXX XXXX XXXX. I received a denial letter dated XX/XX/XXXX listing the denial reason, Prior Synchrony credit account not paid as agreed. On XX/XX/XXXX, I mailed a letter to Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, requesting the name of the Prior Synchrony credit account not paid as agreed. As of XX/XX/XXXX, I did not receive a reply from Synchrony. On XX/XX/XXXX, I searched the internet and found a telephone number for Synchrony Bank customer service, XXXX XXXX XXXX. I spent at least one hour on the phone being bounced back and forth between Synchrony and XXXX trying to get an answer. I was given an alternate phone number XXXX XXXX XXXX. I was given a number for XXXX XXXX XXXX XXXX. Each time I spoke to a representative from Synchrony and XXXX, each one referred me back and forth to Synchrony and XXXX. Finally, I mailed a second letter to Synchrony on XX/XX/XXXX, priority mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX the name of the Synchrony credit account not paid as agreed. As of this writing, I still have not received a reply from Synchrony. I am attaching copies of my letters to Synchrony dated XX/XX/XXXX and XX/XX/XXXX and copy of denial letter from Synchrony.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Synchrony Bank pre approved me for a XXXX XXXX card and set my limit at {$7600.00}. With my XXXX score at XXXX, I figured this was about right. Then I got a letter from : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX They wanted additional information to verify identity. Please call our office at XXXX any time between XXXX and midnight est, 7 days a week. Thinking I was calling Florida, although Synchrony is located just down XXXX XXXX from me in XXXX, XXXX, I got a person at Synchrony 's XXXX number with a strong accent. Difficult to understand, and then I asked where he was located. He say in the XXXX. Well his XXXX and my XXXX were not a good match, and I eventually had to hang up the telephone as I did not understand " XXXX. '' 24 hours later I called in the hopes of getting a very good English speaking person, and I got " XXXX. '' Not much better, and he told me I had to go to www.verify.syf.com and only with a smartphone. Synchrony wanted me to put my identity on the internet, was it secure, I have to assume so, but many questions ... Their app at verify/syf.com could not read the barcode on the back of my drivers license, so now I have been locked out of this way for identity. I told XXXX that I have been doing business with Synchrony Bank through their XXXX XXXX, as I have been a Synchrony Bank XXXX Card Holder for years. He said different department, not good here. I tried to explain to this person that Synchrony is Synchrony and issues many different cards, and I am in the system. My explanation fell on deaf/ignorant ears. XXXX./ XXXX, XXXX XXXX Connecticut XXXX Florida XXXX come Synchrony Bank and learn customer service. This is a story for XXXX XXXX of Synchrony Bank, formerly XXXX XXXX, who I've seen many times in XXXX at XXXX. This is the service we get in the USA now, inexpensive labor unable to communicate with customers, but is it good for the EBITA for this bank?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06877
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Creditor info : SYNCB/AMAZON XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX There's XXXX of these on my XXXX XXXX and I have no idea where they've came from. I've been 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: 357XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I ask the company for specific paperwork to send me and didn't receive. Violated my rights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have previously disputed a billing error with this account in the past referenced in complaint number XXXX, and during the investigation process I have been unable to utilize my SAMS CLUB MASTERCARD account after learning my account was closed by the creditor. From my understanding and awareness, according to 15 USC 1666 ( d ), there should be no restriction or closure on a on an disputed account. I also received correspondence that all funds were adjusted during the investigation, see attached exhibit. I have yet to receive any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A