Date Received: 2022-12-30
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE : Account Number : XXXX XXXX XXXX XXXX Current Credit Card Balance : {$3600.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed XXXX XXXX XXXX XXXX and XXXX/XXXX {$3600.00} In accordance with 12 CFR 1026.13 ( 6 ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to XXXX XXXX ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement. According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder. Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ). Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 12 CF R 226.12 ( b ). According to 12 CFR 226.12 ( b ), T he term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ). According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor. To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full. XXXX. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress. I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this alleged debt as being in dispute and under discussion between us. If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission XXXX FTC ). I will also seek legal counsel for a remedy to these consumer violations. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hello, this credit report companies insist they wont check my credit and still do and thats that biggest issue Im having now with multiple companies and its damaging my credit horribly I really need this problem resolved and a good friend told me about you all and I hope to get some answers on what can be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am a XXXX American Veteran with protective status with service connected hearing loss off over XXXX XXXX. I filled out an online application and received a CC from Synchrony bank ; When I received my statement it was full of late fees or fines that i did not understand would be assessed. I did not read the fine print shame on me, but to correct my error i am fined again I guess they run this scam I am particularly vulnerable do to my hearing loss. I attempted to contact synchrony but was informed it was a XXXX dollar fee to speak with Customer Service if a company can not afford to pay for adequate service is not a company I fill the need to do business. I immediatly canceled the card. I guess they are continuing to charge my card without my authorization. but to pay off my card and dispute any charges is XXXX dollars. I would like to pay off this balance and never do business with this obviously predatory lending agency again. I am finacial secure and can take this as a Leason learned Maybe its me but paying someone to use my own money seems like extortion. I have attempted several times to contact synchrony credit services I am charged {$10.00} dollars to speak with a customer care reprehensive and because i have trouble understanding they charge me XXXX dollars to my CC and hang-up. I guess this is my fault for being so naive to believe that a company is not required to make reasonable compensation to adjust to my XXXX. I have chosen not to do business with these people and used an automated system to close the account. The issue is that the synchrony has not only refused to honor their reward system but also is requiring me to pay XXXX dollars to just pay my bill that is {$510.00} plus late fee and other charges I can not dispute. currently I am at {$60.00} in late fines, that i am being charged interest on. I guess I am old and stupid and do not understand a business this odd business model, but synchrony can run their anyway they chose I would just like the opportunity to be free of any business dealings and encourage others to stop accepting this because some lobbyist group pasted legislation to make this legal. If someone mugged me of XXXX dollars I could call the police but a company can just charge me any amount and I have to except it without anyway to dispute. I would like to settle with this organization, but they only seem to have virtual agents that just are worthless for someone with my severity of hearing loss. and why should I be FINED for errors that Synchrony has made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Synchrony bank has a my motorcycle in credit report as a repoed it was almost but never was I have taken care of problem my bike is still in my possession and was switched to a different bank but payment are being paid and bike is with me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The XXXX XXXX in XXXX, Florida suggested that I get the Care Credit Card through Synchrony Bank so I signed up for it. However, he began to bill me twice for services I had already paid for out of pocket in cash. Also he billed me for services he never even gave me. All of the charges under the Care Credit account were not given and were unauthorized. He forged my signature for the credit card payment. I never agreed to pay the fraudulently charge amounts. 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: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
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 purchased a mattress at Mattress Firm of XXXX, GA using a Mattress Firm credit card from Synchrony Bank for {$530.00}. On XX/XX/XXXX I made you use the satisfaction guarantee offered by the store and decided to return that mattress and purchase a different mattress plus an adjustable base. The total retail cost of the items I purchased on XX/XX/XXXX amounted to {$2500.00}. To that, a credit for my return was to be applied in the amount of {$530.00} making the total balance to be charged on my card XXXX with 24 months interest free financing. As of today, XX/XX/XXXX, the total balance owed on my card is {$2100.00} despite the fact that have been making payments since XX/XX/XXXX totaling {$310.00}. The summary of transactions on my account does not reflect the return of the first mattress for {$530.00}. I have reached out to Synchrony Bank on numerous occasions to settle this discrepancy. I have provided Synchrony Bank with a copy of my receipt as they requested. They have closed my dispute stating they do not show I am owed a credit. I have requested to dispute the decision and have been told this is not an option. The promotional period on the initial purchase is set to expire in 23 days leaving me to pay interest on a purchase i returned over 5 months ago. I have made multiple calls to Synchrony and have attempted with no success to explain how my account balance does not make mathematical sense and I am met with denial with out explanation. I would also like to point out I was not notified of the decision of the dispute until at least XXXX months after the decision when I called to inquire for a third time ( prior to this i had been told the dispute was still pending after the date of resolution Synchrony later gave me ). To date, I have not been given written notice of the decision by mail or electronically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30705
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
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: REJECTING PayPal Credit answer or response because it is a bogus answer or response and is not attached with any proof of Software received by the merchant to have any such charge on my statement they are trying to submit as a valid statement. PayPal Credit was supposed to have directly contacted PayPal and shared the dispute with them as you can see they did not but wish to make a statement on behalf of PayPal. Send proof of merchandise received and the time and date of receipt of the merchandise. If you can not ( PayPal Credit ) then your act or actions are fraudulent to the point that I am not going to pay for something or be bound to you or anyone for something that I did not receive. Billed your merchant and report such to the credit bureau on your merchant. You are trying to use these undercover methods and ways thinking that you are going to scare me and place my credit score at risk for something that you failed to do and failed to obey and understand the regulations. Once again, I am REJECTING your response to the CFPB for it is insane for you to think that I am going to pay you for something that I never received and I timely and effectively reported to you over a year ago before filing this complaint with the CFPB. This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # XXXX Dear PayPal and PayPal Credit XXXX This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXX PRIVATE LIMITED XXXX XXXX XXXX XXXX B INFOWAVES PRIVATE LIMITED The receiver of this payment is Non-US - Verified XXXX XXXX XXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks XXXX XXXX XXXX : Consumer Financial Protection Bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem when making payments
Subissue:
Consumer Complaint: It was a new XXXXXXXX XXXX XXXX Credit Card. I had upgraded with a trade-in to a new XXXX XXXX XXXX XXXX XXXX XXXX I used cash, also, but the store set me up with a Loan from Synchrony XXXX for the balance with a minimum payment of around {$270.00} due on the XXXX of each month starting with XX/XX/2022. I had to set the account up myself to have the payments go through my bank. I've never had to do this before. Synchrony uses the credit card number for the account. I used my routing number and included my debit card number attached to the checking account, submitted it XX/XX/XXXX. Payment did not go through as the checking account number was wrong. A robocall came informing me of that fact, asking me if I wanted them to resubmit it. I answered yes, but wised up after that. I spoke with my bank and they told me to use the checking account number, told me where to find it. On the XXXX or the XXXX, I fixed the information in their system. My banks name came up in the account, along with the last XXXX digits of my checking account number with my bank. I had every reason to believe my information was correct. Still nothing was pending in my account. I was trying to get the loan paid off quickly, so my first payment was about 12 times the minumum due. Customer Service was quick to offer to resubmit my payments. The money was in the account, but nothing was going through. Payments were resubmitted about 4 times, but nothing was being done to correct the problem. I went to my bank on the XX/XX/XXXX. They advised me to speak with a Supervisor or Bank president to get the problem resolved once and for all. I finally was able to reach a supervisor, who changed the information for me in my account and discovered when I had changed it to the correct information, I had accidentally put in one number too many I was unable to see. I was assured the payment was going to go through finally. On the XX/XX/XXXX, the payment went through to Synchrony Bank. I secured a loan through my bank for the payoff amount to Synchrony on XX/XX/XXXX. On Tuesday, XX/XX/XXXX, I went online to pay off that balance only to discover they had closed my account with no warning, no reason. All my payment information was also wiped out. I spoke with an account manager at Synchrony that I wished to pay off the balance. She tried to tell the XXXX payment never cleared either. I had my local bank information open on my laptop and it clearly showed that payment had gone through on the XXXX. I informed the account manager of that fact in no uncertain terms. She took care of the transaction to pay off the balance. It went through on XX/XX/XXXX. I have received 2 notices from Synchrony. One states my JCPenny card through them was closed because I made dishonored payments on other accounts with Synchrony Bank. No. There was a problem with account and finding someone to fix it was a nightmare. The XXXX notice from Synchrony Bank came yesterday, XX/XX/XXXX stating that my account was closed with Synchrony Bank indicative of high risk of failure to pay. It's more like eagerness to resubmit a payment instead of checking the information on the account! They also charged me an extra {$30.00} for insufficient funds. I may not have the exact wording right as my entire account and all the activity on it was wiped out. The money was there, but the information was WRONG!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12804
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 a hard credit inquiry was put on my XXXX XXXX credit report. On XXXX XXXX XXXX XXXX XXXX, this is listed as : SYNCHRONY FINANCIAL ( Finance ) In XXXX XXXX On XXXX XXXX website, it is listed as : SYNCHRONY FINANCIAL XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted Synchrony Bank by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. Synchronys recommendation was to contact XXXX XXXX, to find what the exact type of account, because Synchrony can not investigate the situation without the full information. I contacted XXXX XXXX, and they told me the hard inquiry can not be removed from my account without both me and Synchrony bank postal mailing XXXX XXXX the proper documentation to have this removed. I told the XXXX XXXX rep that Synchrony could not find anything and could not investigate without further information. The XXXX XXXX rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report. This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither XXXX XXXX XXXX Synchrony Bank seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable. I contacted XXXX and they told me exactly what I needed to tell Synchrony to dispute this as fraudulent. I called Synchrony Bank back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the Lowes Commercial department. They couldnt give me any further information, and suggested I contact XXXX XXXX. At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation? Note : The inquiry is showing up as XX/XX/2022 on XXXX XXXX and XXXX XXXX. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into XXXX XXXX to get the documentation directly from their site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26554
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I apply Venmo credit card And got approved. When I want to sign in to my account it asked for my last XXXX of my social security. I provided the last XXXX of my social security and then it said it is not the correct digits. I then called and they said I was not able to provide the correct philosopher digits. I told them my social security number over the phone and they said that was not correct. I asked them how was it possible for my social security that is not correct to be approved with my personal information. They said they were not sure what to do and they were not sure how that happened. I told them that somebody else 's self security number was approved then because I just provided you mine and you are using my personal information and somebody else 's social security number.. They are now asking me To send my personal documents in the mail Which I am not comfortable with doing. To resolve this issue.. The issue is not mine it is theirs on their end with their application process that they have taken the social security number of another person and used my personal information and a requesting additional documents that only the government should need For reasons. They need to fix this in their system ask me to reapply and close this account without it affecting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A