Date Received: 2024-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have three difficulties with Synchrony Bank. I signed up for a loan for a mattress. I was told it was to be a zero percent loan as long as payments were made on time. All payments were made on time except one payment which was less than 1 month late. I sent in the late fee so that the fee would not alter the loan agreement. After a couple of years of automatic payments I thought the loan should have been paid so I contacted Synchrony to inquire and found that the loan had been changed to an interest rate of 29.99 %. 1-Synchrony didn't contact me 45 days in advance of this interest change as they should have per California law . 2- I asked Synchrony for the amount I'd paid so far and they refuse to inform me. They did send me paper statements but these do not show payments. XXXX I found some random miscellaneous charges on my statements which I can't make sense of. Perhaps the collection of these random charges are what put my loan past the zero percent interest period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Paypal Credit and Synchrony Bank have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, XXXX, and XXXX. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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: On XX/XX/XXXX I called To pay off the promotional balance in the amount of {$790.00} on the XXXX XXXX XXXX XXXX account that was expiring in XXXX as of XXXX. I requested it the representative to allocate the payment towards the promotional balance. When I called on XX/XX/XXXX I was advised that the original request was not done and that a new request would be placed. I called back on XX/XX/XXXX and the payment still was not allocated towards the promotional balance on this day I was advised that it could take up 2 billing cycles. I called back XX/XX/XXXX and the payment still was not allocated. Then I called on XX/XX/XXXX and the payment has not been allocated, and now I have been charged the interest rate of 26 % in the amount of {$490.00} Towards the promotional balance. This amount should have never been charged to me. Because I was calling to originally pay off the promotional balance. After holding for 30 minutes, the representative was not able to assist me and told me to call back to resolve my issue. That's when I decided to contact the bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Dear Consumer Financial Protection Bureau, I hope this message enacts change. I am writing to express my profound disappointment and seek redress for an incredibly distressing experience with Synchrony Bank, the issuer of my Sam 's Club credit card. As a loyal customer since 2002, with a flawless payment record and consistent respect for customer service representatives, I find it disheartening to recount the recent events that have unfolded. Despite multiple requests for information, I have received no satisfactory answers, and my attempts to resolve issues have been met with silence. A particularly harrowing incident occurred recently when I found myself stranded in XXXX weather due to my card being declined. Despite years of loyalty, impeccable payment history, and thorough verification processes, I faced humiliation in front of family and friends. This incident not only caused severe emotional distress but also led to health complications that now jeopardize my ability to attend a crucial business meeting, potentially resulting in substantial financial losses. I have diligently provided requested documentation, taken videos, and answered personal history questions to verify my identity, yet the issues persist. The decline of my card, especially after 22 years of unwavering loyalty, zero missed payments, and successful verifications, raises serious concerns about the functionality of Synchrony Bank 's system. Considering the profound impact on my well-being and potential financial losses, I am seeking damages upwards of {$50000.00}. This amount reflects the physical and mental toll, embarrassment, and potential financial repercussions caused by the failure of the card, which, after decades of faithful patronage, has left me physically and mentally scarred. I implore you to investigate this matter thoroughly and assess whether the current system is indeed working as intended. The discrepancy between my consistent history and the sudden decline of my card raises questions about the effectiveness of Synchrony Bank 's procedures. I appreciate your prompt attention to this urgent matter and look forward to a swift resolution that addresses the damages incurred due to this distressing ordeal. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Pay the card in full on XXXX XXXX. Try to use the car on XXXX XXXX and was declined. No balance and no amount due. They are holding a processed payment for 3 weeks. Not allowing us to use the card for the business Until they take it off hold three weeks later. This is a major interruption to the business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: this walmart collection account has different opening dates on my credit report which is not accurate and illegal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/XXXX, I pulled my 3 Bureau credit report and noticed an incorrect name on my report. After investigating, I noticed that the incorrect name was displayed on my JCPenney bills and statements. I then determined the incorrect name on all 3 bureau credit reports derived from my JCPenney account. On XX/XX/XXXX, I reported the error to JCPenney by requesting an investigation. They then stated that i would only be able to file and Identity Theft claim to correct the information. Although the case was not necessarily Identity theft is was an incorrect error on their part. They opened the claim on XX/XX/XXXX using claim number XXXX. After 60 days nothing was corrected by JCPenney. I then sent a dispute to the three credit bureaus and also to JCPenney on XX/XX/XXXX. After now 30 days, JCPenney has flagged my account and changed the comments to " Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were removed from this account : Consumer disputes - reinvestigation in progress Consumer disputes this account information. Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to this account : Consumer disputes - reinvestigation in progress. This dropped my credit score XXXX XXXX I sent JCPenney a copy of my Identification which shows a clear spelling of my Government Name ( enclosed in this file ) On XX/XX/XXXX I received a letter from JCPenney addressed to the incorrect name stating that my claim to correct my name was denied. They stated the claim was denied because i benefited from the card. I am fully aware of that but that does not negate the fact that this account is in violation of FCRA Rule 623 that says : Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. JCPenney has violated my rights and if this account is not removed from my credit reports then I will be filing a lawsuit in 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Synchrony Bank used my credit report to intentionally lower Credit they issued for Sam 's Club Store 6 months ago. I recently disputed another account that I had with Synchrony Bank..and right after that .They sent a letter stating my {$1500.00} credit with Sam 's was dropped to {$150.00}!. I felt it was a slap in the face and done without consent to intentionally hurt my Credit score!. My credit was lower when they approved the Sam 's card @ {$1500.00} and now it's higher nbut they drop it to {$150.00}?. I feel my consumer rights were violated and Discrimination was used. I pay Sam 's automatically... On XX/XX/24 I paid them.Now Synchrony sends this letter they checked my credit history and dropped Sam 's store credit to {$150.00} ... knowing I only owe XXXX and so by Synchrony bank lowering my credit limit .. my {$130.00} debt looks like I'm over my credit limit,!!!. I only owed {$130.00} when my credit limit was @ {$1500.00} ... .This has caused my hard earned Credit Score to drop. I feel it was intentional and undermining.. by Synchrony bank because Of. Previous dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a summons from the Sheriffs office that I owe Sam 's Club XXXX I sent a letter asking for more information because all the account number except the last four were erased with a black marker. The same with the social security. I received a lot of statements but again no verification I sent the second letter and I received statements again and somewhere it says verified. Who verified it? I flip the pages and I see that I have to answer the following interrogatories. I never received the purchase agreement and the bill of sale either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40160
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DC, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SYNCB/SAM 'S CLUB XXXXXXXX XXXX XXXX XXXX, GA XXXX RE : DISPUTE OF CREDIT INQUIRIES- XXXX XXXX XXXX Dear XXXX XXXX SYNCB/SAM 'S CLUB & XXXX XXXX This correspondence serves as an official request under Section 1681i of the Fair Credit Reporting Act ( FCRA ), Title 15, U.S. Code, and Section 2701 of the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to credit inquiries made by XXXXXXXX XXXX SYNCB/SAM 'S CLUB & XXXX on XXXX XXXX XXXX XXXX credit report XXXX We would like to bring to your attention multiple hard and soft inquiries. The USC Code that relates to fraudulent inquiries is Title 15, Chapter 95, Subchapter VI, Section, Section 1681s ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the UCC prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXXXXXX XXXX credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. List of inquiries that needs to be removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX UPDATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX SYNCB/SAM 'S CLUB XX/XX/XXXX PRIVACY LAW OF 1974 States that The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A