Date Received: 2023-01-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please be advised that I was XXXX with XXXX XXXXXXXX in XXXX & XX/XX/2022. This is the third ( XXXX ) time I have contracted XXXX XXXXXXXX and the second ( 2nd ) time, I have been XXXX. I informed Synchrony Bank/JCP credit card that I missed the XXXX & XX/XX/2022 payments due to my XXXX XXXX XXXX Synchrony BankXXXXJCP failed to correct my 30-day late reporting for XX/XX/2022. XXXX XXXX forced me to miss these payments. I am not sure what i could have done to prevent this. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Settled debt at lowered amount with synchrony bank, they only applied settlement amount as payment. The debt was settled on XX/XX/22, the original debt was XXXX and settled for XXXX. Confirmation for this transaction was XXXX. Another account was settled on the same date for XXXX, with an original debt of XXXX. Confirmation number for that transaction was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out to the credit bureaus, XXXX, XXXX, XXXX asking them to please investigate and send me an update. Have not received a response. Inquiries : Name Requested On XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual SYNCHRONY FINANCIAL XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose 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 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 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 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 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 SYNCBCARE 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 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 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 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: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: i have tried XXXX to resolve this issue with synchrony bank, a credit card i have with t.j. maxx. in XXXX i alerted them with chat room email them and called them to try and stop a charge i saw pending! the amount {$95.00}. they would not fight on my behalf with the company. the company tried to fool them by saying they refunded my money! they lied! they charged twice for 2 separate charges and when i used the phone number that was on my payment list connected to this charge, they say " oh, that was for an online exercise program and now it has expired! i never ordered no such thing! i closed this account number and ordered another number that i put on hold. i want some recognition and compensation of {$95.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
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: Basics ; Synchrony Bank, credit card issued, at store, for furniture purchase. Within XXXX months of purchase, furniture was breaking, Synchrony bank was advised on phone call asking if they had contact information for store I purchased from as they are out of business and my furniture was falling apart. I was told to contact the merchant, to which I replied, that's why I was contacting them, again because THEY ARE OUT OF BUSINESS, with no contact information. Complaint filed, resolution was in favor of Merchant? But there is no contact information for merchant, how were they contacted? No one contacted me asking for more information. XXXX, resolution, in favor of merchant, because merchant is out of business and Synchrony has no way of being reimbursed for money they paid merchant for my falling apart furniture. Out of the reclining sofa, love seat and chair, the only unbroken, working item is the chair. Other than submitting in writing, which no one mentioned, I've contacted Synchrony, telling them I don't feel like I should have to finish paying for an item that didn't last a year, {$1800.00} for something that needed replaced within XXXX months. I will state, after reading fine print, that XXXX of the major requirements is that the item is not paid off, so I quit making payments. Not the wisest choice but I have now taken pictures of furniture and will be sending that in writing, yes, also stated in fine print, which I failed to read. That's on me, not being told that speaking with a representative did not satisfy the requirements for stating that you have tried to resolve with merchant, even contacting Synchrony for that information, and do not feel like you should have to finish paying for an item you have to replace because what you bought from them was faulty, craftsmanship was faulty it is falling apart.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64801
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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 XXXX I placed an order via website XXXX and I was to receive the order within 5-6 days. I repeatedly emailed asking to ship my order and because it took so long I requested to cancel. I received an email stating it was in process sorry for the timeframe, etc. After almost 3 weeks I got the order and it was the wrong size. I immediately returned the item after notifying the merchant which took them a week to respond. Because it took so long for the merchant to respond to request to cancel the order or ship the item I filed a dispute with the bank. In the meantime I received the order and immediately returned it. When I received it I called paypal on XX/XX/XXXX and notified them I received it and returned them and provided the tracking number. A few days later on XX/XX/XXXX I get notice my case was closed because they shipped it. No regard for my call with the track info that the shoes were returned. I then called AGAIN on XX/XX/XXXX because they rep did not process my dispute on the previous call. So I called again for the 3rd time to file another dispute because I no longer have the item I requested to cancel, that took too long and I paid for the return. The tracking number XXXX XXXX which was confirmed delivered
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I never recived any documentation from this debtor about legal actions being taken, debts being sold, or sold receivables being transferred to an affiliation of the parent company. I received a wage garnishment judgment that was addressed to a job I have worked at from XXXX - XXXX although my credit report said the debt was from XXXX. Also, the 2 debtors are the same company for different amounts and I have no idea who they are. I never received notice. I have a notice from the court that service was made in XXXX XXXX, MD to me on several occassions but on the dates listed I was at work in XXXX, MD. There is no account numbers listed in a correspondence I found through XXXX or listed in the complaints. Also, the debtor locations from the filings are in two states. One of the cases has a request to reissue a summons filed XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony Bank has selectively acted in bad faith with me. First, Synchrony Bank closes my Care Credit when I had paid the total balance to zero. I made all the payments on time. XXXX, I applied for Sam 's Club Credit card and Synchrony Bank issued me a Sam 's Club Master Card for {$2500.00}, when my credit score was the lowest due to XXXX XXXX XXXX in 2019 illegally, 3 months later they restored my payments and benefits for myself as my son as his caregiver. This was at a time when my credit score was XXXX. I don't know how to explain to them that It's not something I did or am doing. Then they give me a story that I have to many inquiries or that I didn't ' pay on time, but it's not true! Just today I get an email Synchrony saying Thank you for your dispute. But when I logged onto my account, to my shock and disbelief Synchrony once again reduced my limit from {$760.00} to {$250.00}, without any valid reasons. The thing is that my checking account 's number change to a different number due to fraud. So then XXXX XXXX servicer when I pay with my new bank account, the payments get returned even though my bank account is valid, it's just a new number, same bank. I've explained to them, but it does not matter, since their dictatorship says that I have a bad score, but don't verify with me the validity. And next month my credit score is going to be fixed because so many without my authorization keep inquiring the credit bureaus. In other words, Synchrony is acting as it's own jury and judge without due process nor notifying me if what they reviewed is true, but it's not. I do have a XXXX XXXX XXXX by Synchrony that I've had for over 20 years, but fortunately, Synchrony leaves it alone and my credit limit is {$4000.00}. So, they discriminate against me, picking and choosing what credit to approve and which XXXX Synchrony don't scrutinize. Therefore, I beg Synchrony not to hurt me this way, I'm still the same person that I was when my score was XXXX. I plead to Synchrony to be fair for my best interest not for some records that contain a great deal of misinformation. I think the length of time I have been making payments on time should suffice. Please Synchrony, I changed a bank account number only, and I'm not the one that returned the payments. It's just that XXXX has not done it's job. Please help me. Thank you, so very much and XXXX XXXX XXXX. Please make my XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX has been repeatedly calling me at least 6-8 times per day. I block the number every single time, but they just change it every single time. They disguise the number as a local number so that its more likely that I will answer. They have called me multiple times, even today, before XXXX, and they call me repeatedly after XXXX. I work nights, and when my phone rings over and over in the morning when I am trying to recover, it significantly disrupts my sleep and has caused a bunch of health issues. They have also threatened to call my employer which is a huge issue and could cost me my job. I can provide phone records if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I reserve all rights and relinquish none. I do not give Synchrony Bank or any entity associated with Synchrony bank permission to use my inofrmation both past and future. With this statement I give notice to Synchrony Bank it is strictly forbidden to take any other action against me based on confidential information. The violation of privacy can be punished by law ( XXXX XXXX XXXX, and the XXXX XXXX XXXX Synchrony Bank XXXX a public entity. I, affiant am filing a formal complaint against XXXX as follows ; XXXX XXXXSYNCRONY BANK issued a credit card with the promise of security. XXXX months later the credit card was declined with no explanation. XXXX was not given a full and honest disclosure. When affiant called to ask why the declined card, the answer was the card security had been breached. XXXX was asked by the representative to provide proof of identity to continue to use the card. XXXX weeks later the card was declined again without full disclosure and again affiant was asked by the company to confirm identity a second time. There was no full and honest disclosure as to what security breach had compromised the security of the card. The consumer requested the account be closed, then in an XXXX dated XXXX titled to an unknown addressee stating the account had been closed, with a remaining balance over {$200.00}. Since that time Synchrony has dropped all charges on that account. Note : the name on the closed account did not match the name on the XXXX number associated with the account, or the name on the card itself. Synchrony Bank created a false identity and used the account to harass affiant. Then dropped all charges when confronted about the matter. CARE CREDIT/SYNCHRONY BANK XXXX XX/XX/XXXX Syncrony Bank XXXX XXXX for XXXX XXXX in conjunction with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX limit was approved for {$1100.00} account number ending XXXX. In XX/XX/XXXX the account was paid off in a timely manner by affiant. In XX/XX/XXXX affiant was informed by dental office, that the care credit account was closed without notice, who further harassed affiant about charges that had already been paid off. After further requests, the dental office agreed that the account was paid in full and a credit balance was available for services. XXXX did not recieve notice, however began recieving e-statements from Care credit in different amounts, with a different account number. During which time further charges from the dental office were declined by Care Credit. XXXX asked about the charges and contested the new {$400.00} bill, and Synchrony dropped {$300.00} from the disputed charges without hesitation. Synchrony insists on asking for payment on the fraudulent account and stated to affiant the credit limit is now much lower than the previous card issued. Syncrony sends e-statements in the following amounts, {$110.00}, {$170.00}, {$71.00}, and asked for payment in the amount of {$17.00}. Syncrony opened XXXX fraud accounts ending, XXXX, and XXXX. XXXX believes the accounts were created as a means to take action against affiant without thier knowledge or affiant 's consent. Then Syncrony conceals information creating discord and distrust from dental office towards affiant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A