Date Received: 2023-01-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Amazon Store Card/Synchrony Bank sent me a store credit card that I did not apply for. There was a {$40.00} charge on the card. I did not apply for card nor make a purchase. I have contacted synchrony Bank four times. XXXX XXXX XXXX could not comprehend i was filing a fraud complaint and sent me a new card i did not request. XXXX XXXX XXXX accepted my fraud complaint to research. Even though i filed a fraud complaint they continue to send me bills demanding payment - its my understanding they are in violation of banking regulation by continue to bill me during fraud complaint. XXXX XXXX XXXX I used the automated system to close the account ( it was supposed to be closed in XXXX XXXX XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX i finally reached the fraud department. The rep indicated my case was in review and could not explain why we were still being sent bills for payment ( that i don't owe ). He indicated i would have to call back tomorrow- when management was available. the saga continues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39042
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My rights have been violated in relation to an account on my credit report. XXXX XXXX XXXX XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor SYNCB/AMAZON PLLC XXXX XX/XX/2022 for {$180.00} this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy. 15USC 1681 604 a section 2 it also states it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I got harrassing phone calls from XXXX XXXX. They claimed i had an unpaid Paypal credit card. I said I had NEVER Had a paypal credit card i got letters and many angry, harrassing calls from XXXX XXXX. I have a fuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They asked me to confirm personal info which I challenged and they said they would mail me some report. I got a letter, attached, from XXXX XXXX. I looked up Synchrony Bank. They apparently bought Paypal Credit. Someone must have FRAUDULENTLY used my ID to charge over {$900.00} on a Paypasl credit card. With interest, due to this FRAUD, Syncrhony Bank claimed that I owed more than {$1200.00}. I got more harrassing phone calls. They sent a form to fill out to dispute the claim and I took a Saturday XXXX to go to a bank and have it notarized. I scanned it, emailed it in and mailed it in via USPS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They keep changing the amount due several times per month. Ive made multiple payments in one month, but none seem to go against the balance. Still the bills remain doubled ( even with consistent payments and early payments against the account ). Ive tried calling and chatting with customer service to no avail. The bill is {$18.00} per month and not a penny more or less.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony Bank is showing a pending sale on my account which is showing an incorrect available balance. The sale was cancelled on XX/XX/2021, and the available balance should be {$2000.00}. The Ashley store Manager is responsible to notify the Synchrony Bank of the change, another example of poor customer service from Ashley. This is negatively impacting my credit. Regards. XXXX.
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: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Subject : Unfair interest penalty without any warning or notification! Financed {$6700.00} in XX/XX/2020, but despite paying ~ {$5000.00} in timely monthly payments, my balance is still shockingly at {$6500.00} ( 97 % of original amount ) I bought flooring from Lumber Liquidators ( LL ) in XXXX 2020. LL and Synchrony were running a financing promotion whereby i could finance {$6700.00} purchase through Synchrony card without any interest for 24 months. This was my first such financing transaction and i availed the interesting offer. I set up the autopay for minimum monthly payment that was decided by Synchrony, The amount was paid through autopay option every single month on time. I was under the impression that Synchrony would recover the amount timely through monthly payments and i set up the auto pay to ensure the monthly payments weren't delayed. However, recently when i checked my statement, i was shocked to discover that after paying about XXXX through the monthly payments, the outstanding amount was still {$6500.00}, almost equal to original financing amount. Apparently, Synchrony charged me {$4300.00} in Interest for the first 24 months also on the ground that i still had a balance of {$2400.00} at the end of 24 months. Date of purchase : XX/XX/2020 Subject : Unfair interest penalty without any warning or notification! Financed {$6700.00} in 2020, but despite paying ~ {$5000.00} in timely monthly payments, my balance is still shockingly {$6500.00} ( 97 % of original amount ) I bought flooring from Lumber Liquidators ( LL ) in XXXX 2020. LL and Synchrony were running a financing promotion whereby i could finance {$6700.00} purchase through Synchrony card without any interest for 24 months. This was my first such financing transaction and i availed the interesting offer. I took appropriate steps to ensure timely processing of monthly payments. I set up auto pay for the minimum monthly payment to be decided by Synchrony. The amount billed by Synchrony was paid through auto pay every single month on time. I was under the impression that Synchrony would recover the amount timely through monthly payments. Additionally, i set up the auto pay to ensure the monthly payments were processed on time. However, recently when i checked my statement, i was shocked to discover that after paying about XXXX through the monthly payments, the outstanding amount was still {$6500.00}, almost equal to original financing amount. Apparently, Synchrony charged me {$4300.00} in Interest for the first 24 months also on the ground that i still had a balance of {$2400.00} at the end of 24 months. This is totally unfair on the following grounds. XXXX ) I did not decide the monthly amount to be paid but the bank did. So, how come my minimum monthly payment amount was not set to ensure recovery of full amount in the first 24 months? Did bank set a lower monthly payment amount to ensure some balance does remain outstanding at the end of 24 months, giving them an excuse to charge a heavy penalty? XXXX ) Despite having my email and phone on the file, i was not informed by Synchrony that they are going to charge me {$4300.00} in penal interest if i don't settle the {$1800.00} balance at the end of XXXX. Their claim that they sent a monthly estatement isn't fair as they never sent a statement even through email, it was just an email notifying that the new statement is ready. In addition, as a responsible person, i opted for estatement ( caring for the environment ) and set up auto pay to ensure timely monthly payment. Therefore, i didn't really think of looking at the standard monthly email. If they had sent a letter, called me or even sent a separate email notifying me of such a huge charge, i would have immediately paid as i haven't delayed any single payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a consumer 's credit card offered by Synchrony Bank for XXXX. They constantly lower my credit limit adversely affecting my credit score. I have never missed a cc payment in XXXX years with any company. Synchrony Bank did this to me with XXXX other accounts, in fact, closed XXXX account but they still charge me interest on an account they chose to close. I spoke with them about this but they just refer you to the terms and agreement. they do damage my credit score for no reason. How is this legal? According to social media, they have a long history of jacking customers around. Something must be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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: Dear CEO, CFPB, Synchrony Bank approved my application for a credit card limit of {$6400.00} with Retailer Rooms To Go that is associated with the credit card, with a Purchase XXXX : of XXXX % on account ending in # XXXX, but have only been reporting to the Credit Bureau a different credit limit of {$5000.00} with the same finance charges. After reviewing my account online through their online website and reaching out to the online customer service assistance in regards to the XXXX changes that were made without my knowledge and changed in regards to acknowledging my reasonable accommodations and not reporting accurate billing information and if they could explain and send me disclosures of their policy & procedures because of my XXXX XXXX XXXX that I needed to speak with someone who could help me understand why this happened, they told me that they had the right to lower my credit limit without consulting with me and sending me a disclosure of any new terms, future terms and conditions and/or agreements contract regarding my credit card and the finance charges and XXXX percentage oXXXX XXXX XXXX. I am being charged late fees of {$41.00} dollars, with a monthly bill of {$260.00} the day of my due dates and not being allowed to use my reasonable accommodations while still being charged late fees for my up coming bill before it is even due. I have made all my payments on time for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/XXXX, revolving account was opened, i do not recognize and it is reporting as closed and XXXX days past due with a high balance of XXXX as of XX/XX/XXXX, precautions was taken and the balance was paid off but company is still illegally reporting the balance and hurting my score. As its in violation of my consumer rights i would like to get it removed on all three of my credit bureaus report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A