Date Received: 2023-01-07
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: False reporting of XXXX Credit card.. account # starts with # XXXX Balance {$4800.00} remaining. I reached out to this company and they no longer owe the account since XX/XX/21 and they have not reported who exactly owes the account and they can't no longer collect an inaccurate reported account that I never applied for based under the [ 15 U.S.C. 1681 ] on all 3 reports. I had removed them from XXXX and XXXX and now they are back ( totally unfair and points removed and no credit was applied for ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: No proper investigation. Tender of payment was received in the amount of XXXX Proof of tender sent 3 times. In accordance to FCRA XXXX acct # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account information without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hi, I would like to file a complaint in hopes of rectifying a situation I have with Synchrony Bank. I have made several attempts to clear this matter up with the bank before contacting your agency. On XX/XX/2022, XXXX XXXX I opened a XXXX account to purchase an automotive fuel injection kit. I also have XXXX XXXX account with Synchrony Bank. These XXXX accounts are being confused. The issue arose when someone at the bank charged my purchase from XXXX XXXX to my XXXX XXXX account. I asked for a correction of this situation as soon as I discovered the situation. I was told it would be corrected several times but that has not happened. Someone made a mistake in posting this transaction to the wrong account and I am having to go through this process to correct the matter. The item I purchased should be charged to account XXXX XXXX XXXX. This would make this situation correct. I clearly opened the account for this purchase. I am also being interest at the wrong rate because the balance that has occurred because of this error. The invoice I included clearly states the item was purchased to the XXXX XXXX XXXX XXXX. Its toward the bottom of the invoice on the left side. I truly hope you can help me with this matter. I have enclosed a copy of the invoice. If you towards the bottom it clearly states the charge was made to XXXX. That did not happen and I need your help. Respectfully
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93436
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2022 - I was in the XXXX store and the girl at the check out line started asking me personal information while I was trying to purchase my items. I don't remember them asking me if I wanted to apply for a card. I told her numerous times that I was uncomfortable with her asking me for my address and my social. I asked her why she was asking me for the information and I didn't think what she was doing right. She made me feel like she couldn't complete the transaction without the information, so I gave it, but I repeatedly kept telling her I didn't like it or think it was right. A few days later I received a denial letter in the mail and it scared me so badly, because I have had fraud before. I am now very uncomfortable using this XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX aquired my information from SYNCHRONY BANK without my consent and the original contract with my signature. This account was opened in XXXX and in XXXX it makes XXXX years to be deleted but its still on my account in XXXX. I have wrote certified letters to each bureau and nothing has happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77504
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I obtained a 0 % card MySynchrony account XXXX months ago when I made a purchase through an affiliated vendor. When I received my first bill, I set up autopay to pay the minimum monthly payment each month. The next month, on the scheduled payment date ( XX/XX/XXXX ), Synchrony debited my linked checking account for the full balance in my card, causing an overdraft on my account. I tried handling this issue online, but automated service options did not work. I called the customer service center during stated customer service hours ( XXXX XXXX XXXX on XXXX ) and was never put through to a representative after an hour of holding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There are two fraudulent hard inquiries as well as a credit card opened through synchrony under my name. I have called multiple times and the representatives act like they havent heard about my complaint before. Its been 18 days and I still havent received a confirmation letter. I have o ou received a bill demanding that I pay the {$1500.00} fraudulent credit card bill. I have disputed through the CRAs and none of the information is correct and it hasnt been corrected. Every time synchrony changes my report it negatively effects my score.
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: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had this card for at least XXXX XXXX I ALWAYS paid on time never had any issues. I made a payment to pay off my balance then I made another purchase, while the first payment was being process I went ahead and made a payment for my new purchase. All of the sudden I received a notification from my credit report XXXX that my account has been closed. I don't see what is the reasoning behind this if I've always used this card and made payments on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I placed an order on amazon using a XXXX XXXX XXXX. However, amazon changed my payment method to my amazon credit card without notifying me. They claimed my original payment method failed and they used my amazon card as a backup. However, I never consented to having my amazon card be used as a backup and they never notified me that my original payment method failed. I suspect they are automatically selecting the amazon card and charging it without notification so they can make extra money from the interest rate. This is not legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Synchrony XXXX XXXX account was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I mistakenly made a payment of {$2600.00} to the old Synchrony account. When the XXXX statement came showing a missed payment of {$2600.00} I discovered the error and called the number on the back of my Synchrony XXXX XXXX XXXX and was connected to XXXX. They said they would correct the error and no interest would be charged, I just need to fax my bank ( XXXX XXXX XXXX XXXX ) information showing the transaction. This I did on XX/XX/XXXX. When the XXXX statement arrived and no correction had been made, I called again and was told it could take up to two billing cycles to clear. XXXX came and still no correctio and I called. They then told me my fax needed to have a statement from the bank showing the transaction with a tracing number. I immedatly went to the bank and they mailed me the requested information ( attached ) and I faxed XXXX this information on XX/XX/XXXX. XXXX came and still no correction. I called them and they said they only received the cover sheet from my fax. I was frustrated and asked the XXXX representative ( XXXX ) for a good number to call Synchrony Bank myself and he gave me XXXX. This was XX/XX/XXXX, XXXX. The representative was helpful, sent me a replacement copy of the Synchrony XXXX XXXX statement showing the {$2600.00} credit balance ( attached ) and that he would submit a request for refund and it would take up to 17 business days to receive a check. I received an e-mail from Synchrony asking for me to take a survey on how the dispute was resolved. I did not open it as the 17 days had not expired so in my mind it had not been resolved yet. When I did not get any response after 17 days, I opened the email and it said it had timed out and I could not submit a response. I called back to Synchrony on XX/XX/XXXX and was told they would resubmit the request and it would take XXXX weeks.. I grew leery and called back after about a week and was then told that my account was closed and they could give me no more information. I was passed off to XXXX. I was told by XXXX to refax the information they said they only received the corer page on. This I did on XX/XX/XXXX. They said they did not receive it at all, so I resent it again on XX/XX/XXXX, XXXXThe representative I spoke to on the XXXX had told be to call back in the evening and insist they tell me if they received it. This I did and it appeared to annoy them but was finally told they had it but " unfortunately, Synchrony had my money and I would have to deal with them ''. I immediately called Synchrony and this time the automated answering service no longer recognized my Synchrony account number and I had to go through a torturous process to get a live representative, but even at this time he could see the {$2600.00} balance and gave me a fax number to sent my bank transaction Info. Fax number XXXX XXXX. On XX/XX/XXXX XXXX The XXXX XXXX tried twice to send it and both times it failed. I called back the same day And the Synchrony Rep ( XXXX ) gave me the same fax number but I asked to speak to a Supervisor. This supervisor said I needed to take it up with my Bank and she offered to do a conference call. I agreed and she called XXXX XXXX XXXX XXXX, but by the time I got through their automated answering service, The lady from Synchrony was no longer on the line. I called XXXX again a exhausting process - and again the reps name was XXXX XXXX He again saw the {$2600.00} and I asked to speak to a supervisor. This time I was met with hostility and was told XXXX had purchased those accounts and all balances were automatically transferred to them and Synchrony no longer had access. I told her " XXXX had just looked it up and told me he saw the {$2600.00}. She said she did not know who XXXX was and repeated the same spiel. I tried to get her to tell me the date and amount of the " XXXX '' transfer took place and she angrily said she had told me XXXX times that Synchrony no longer had access to the account. after about XXXX minutes we ended the call. I have sent certified letters to both Synchrony and XXXX to aske that they resolve this issue. Yesterday I drove down to XXXX to what was suppose to be a Synchrony Bank but when I arrived I was told they had moved out and now had only call centers. It is my sincere hope that this complaint will help end this 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: 320XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A