Date Received: 2023-01-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony is playing a little game with me now. I always OVERPAY what I owe despite that our system is so warped, my XXXX XXXX is LOWERED for trying to pay off my debts. My XXXX. What DO you people do? ANYTHING? You just seem like a glorified secretarial service. We complain, you send it to them but NOTHING EVER CHANGES with the system. Honestly, we have no idea what CFPB does. XX/XX/2022 -- I doubled my owed payment of {$30.00} to {$60.00}. XX/XX/2022 -- I paid {$200.00} on my bill. XX/XX/2022 -- I paid {$100.00}. All of this is WAY WAY over what I owe. Then I get a notice from Synchrony I have " defaulted '' on a payment from XXXX and they charge me greater interest and a late fee despite that I am OVERPAYING the minimum. The XX/XX/XXXX payment was to cover the XXXX payment as well that they now say is delinquent. Now they are threatening me with highest interest rate and fees. Again, like a XXXX XXXX. How can I be in default when I have overpaid to the tune of over {$200.00}? Just to get them to leave me alone, I signed up or auto-payment but then they sent me an email they do not start until XX/XX/XXXX. This is new. I hate being f with. Really really hate it esp when I am trying to pay off my debts. There is NOTHING late. I have OVERPAID. They need to remove the latest " late payment '' and why suddenly has my auto payment date changed? All designed to XXXX me over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95945
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Lowes card was never used. There is no information in their computer system. It is eight year old account. It is still on all three credit reports. It needs to be deleted off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent XXXXXXXX XXXX XXXX an email on XXXX XX/XX/XXXX at XXXX PM MST in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am being charged a lot more in interest than was agreed. Also that you are stating on my statements. I was told Ive been charged XXXX interest for XXXX months on a XXXX purchase. And basically every other purchase had the same discrepancy. Even thought Ive been making XXXX payments every month. XXXX XXXX should be XXXX initially, and then drop from there as my balance decreases. In fact using a credit card interest calculator, my total interest I would have had to have paid should be XXXX! Total! But they are telling me XXXX being charged XXXX in interest and still growing!!! This is only XXXX of my purchases, and they are all similarly being exorbitantly over charged!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: These inquiries are made by companies with whom you have applied for a loan or credit in the past XXXX years. Learn More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PAYPAL XX/XX/XXXX SYNCB XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All of these inquiries are on my credit report, and I NEVER made any of them. I have no acknowledge of these items. I did do a credit freeze and experian did remove them. I ONLY opened : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no idea what the rest is, this is fraud and i would like this removed off of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, I have an Amazon Store Card through Synchrony Bank. They took out my payment twice from my checking account for {$250.00} on XX/XX/2023. I contacted them on XX/XX/XXXX about the issue. Had I not mentioned it, they would have never said anything. I currently have a credit of {$250.00} on my account. The customer representative told me a check was being sent and might arrive in XXXX business days. This was an electronic payment ; it needs to be reversed electronically and immediately. The company sitting on my money for 14 business days is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am filing this complaint against Synchrony Bank. Below is an explanation of what has been happening. I have a checking account with XXXX XXXX XXXX that was compromised and had to be closed. As a result, payments were returned from the closed account, and there was a lag in getting the payments re-submitted from my new checking account. Synchrony Bank, which controls a number of my store-based credit cards, closed ALL of my accounts, as a result of a returned payment for XXXX of them, XXXX XXXX XXXX XXXX XXXX XXXX ever contacting me. I got the first official notice of multiple account closures, by Synchrony Bank, via regular mail, over XXXX week after the accounts were closed. The bank, as per XXXX of its phone agents, went on the assumption that I, the account holder, was trying to engage in some type of fraudulent double-paying? scam. There was NO COMMUNICATION, to me, from the bank, until I received paper mail notifications, of each credit card account closure, to reiterate, OVER XXXX WEEK AFTER THE ACCOUNTS WERE CLOSED. This behavior, and the assumption that I was engaging in some sort of fraudulent activity, is particularly egregious because I have, in the past, almost always paid on time and in full. My XXXX XXXX, depending on which reporting service one uses, is between 750-800, and I should have been given, at the very least, an opportunity to discuss my situation with the bank, before they summarily closed ALL of my store credit cards that are controlled by Synchrony.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Bank : Synchrony Bank ( Financier for XXXX Credit Card Account ) Issue : Closed account and refused to reinstate account despite being in good standing ( no missed or late payments ). Facts : 1. Card payment was due on the XXXX of each month. 2. I attempted to make the XX/XX/XXXX payment early, once on XX/XX/XXXX, then again on XX/XX/XXXX. Days later, the online system showed the payments had been rejected. 3. I successfully made a payment on XX/XX/XXXX. The payment was accepted and went through. 4. I called Synchrony and my bank to find out what happened and why the payments were rejected even though I had sufficient funds in my account to cover the payment. Synchrony said my bank was at fault and they had rejected the payment. 5. Synchrony closed my account in late XX/XX/XXXX, after my successful payment had gone through, citing two failed/rejected payment attempts. 6. I spoke with a synchrony representative and explained this was not my fault but a bank error and was informed that the account would be reinstated if I submitted a letter on my bank letter head, from the bank explicitly saying that it was a bank error and that I had sufficient funds on XX/XX/XXXX and XX/XX/XXXX when the payments were rejected. 7. I obtained the letter from my bank as instructed and faxed it to synchrony at : XXXX. 8. Synchrony confirmed receipt of the letter confirming that it was a bank error and on XX/XX/XXXX still refused to reinstate my account. 9. On XX/XX/XXXX, I called synchrony to investigate why the account was not reinstated as they confirmed it would be in the conversation on XX/XX/XXXX. After they had received the letter on bank letter head confirming it was a bank error and was told the two previous Synchrony representatives Id spoken to, were wrong and they would not reinstate my account. 10. The person I spoke to on XX/XX/XXXX that was now telling me something completely different was : XXXX - XXXX ID XXXX XXXX. 11. I explained to XXXX the entire situation and he acknowledged that the letter had been received and they were still refusing to reinstate the account and that the two previous representatives gave [ me ] the wrong information. I expressed my concern about this being a 180 turn and stressed that they had proof that this was not my fault. 12. The account had been in good standing with no missed or late payments, ever. 13. Closure of the account and refusal to reinstate had negatively impacted my credit report, which now shows a derogatory account closed by lender. No late payments are showed because there were none.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Hi, I had installed the roof and gutters under a Fixed Pay Project Plan for 60 months from Lowes in XXXX / XX/XX/XXXX Suddenly in XX/XX/XXXX, it was converted into a purchase with interest added at 26 %. I have called several times in the past three weeks- One of the Customer Service agents mentioned that it was a computer glitch that changed all my information incorrectly. She said that she would excalate it to the manager. However, nothing has been done as of yet. I would like the Fixed Pay of 6.99 % to continue from XX/XX/XXXX on the amounts, without it being converted into a purchase with interest rate of 26 %. Additionally, the interest charged from XX/XX/XXXX should be credited back into my account. It is a Lowes XXXX Credit Card. Thank you XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A