Date Received: 2022-12-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: This bank has me on ROBO automated dialing system, harassing me everyday when I specifically called them and told them I was going through a hardship due to COVID 19 on top of medical issues I can not disclose. Every month they are increasing and adding fees to my credit card. I have always payed off my debt at this time I need help. This company has not done anything but continue to harass me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
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: At the end of XXXX, I began to notice that my Venmo VISA Card, serviced via Synchrony Bank, had an unusually high balance due. I began to take photos of my transaction history as it appeared in the Venmo Application for XXXX on XX/XX/XXXX, of the offending transactions. I subsequently contacted the company to question the charges and within just days after doing so, I noticed that the charges had been amended as they now appeared on my transaction history in the Venmo application. I contacted the bank again to question why these changes were made and I filed an appeal. After some time had gone by and I received no communication of a resolution, I contacted the company again to inquire about the dispute. I was told that no dispute had been filed after having previously been told by a different representative on an earlier call that one had. Again, I asked for them to file a dispute which they followed through with this time. I was also told unofficially before any official investigation by a representative that these " Payment between Friends '' type transactions I had been making were not actually considered cash advances, even though they had all of the traditional interest rates and fees, and other features associated with them. It should be noted that the card had a {$270.00} Cash Advance limit with a {$2700.00} total limit. After XXXX XX/XX/XXXX, I believed the source of all the disputed charges to be funded by a different source that was connected to my Venmo Account. I had several bank accounts and credit cards connected to the general Venmo Application account since I opened it. After {$270.00} any cash advance approved by Venmo should have come from an alternate source connected to the Venmo Application ; not my Venmo Line of Credit cash advance or any balance. After again receiving no correspondence from Venmo or Synchrony after ample time had passed, I reached out to the company and was told a resolution to my dispute would be decided soon. This resolution came back in the bank 's favor, with me still being responsible for the charges in question. I appealed this decision. Again I received the same resolution. I repeatedly tried to contact Synchrony as well as the XXXX and XXXX Credit Bureaus to correct this error. Now it is over 1 year later and I have been denied an auto loan application as a means to get to my place of employment, along with other credit applications multiple times. My credit score has suffered irreparably during this time with this card being the major impacting factor. I feel that this will never be fairly resolved by dealing with the company, as they continue to drag their feet with investigations and fail to acknowledge any wrongdoing or error on their part ultimately anyway. Disputes filed with XXXX and XXXX have yielded the same disappointing lack of justice, fairness, and accuracy. In total, from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX Venmo Card as serviced by Synchrony Bank continues to claim that charges in the sum of {$1500.00} on my account are valid charges that I remain liable for and provide no explanation as to why they were altered in my transaction history as photographic evidence I possess clearly exhibits. The {$4200.00} that the bank claims I owe them today was calculated using the actual legitimate and validly executed and documented transactions balance which I never disputed, the {$1500.00} that I did dispute which I believe to have been fraudulently charged and reported on, and the accrued interest and fees associated with the account since my unsuccessful attempts to come to a fair resolution with the company as it pertains to my dispute. Please see the attached images for evidence on my behalf which shows many examples of the transaction types and additional information such as what time the payment occurred, to whom it was sent, and the interest rate I was being charged for the transactions that have been altered or removed as in the instances of identifying information that would obviously make it a cash advance. The transaction ID numbers have even been changed from the originals. My statement now lists the transactions as 'VENMO* Visa XXXX NY. '' My current statement also shows that my {$270.00} cash advance limit has been exhausted, but this can't be true since their entire case is that these charges are not cash advances, and they have changed my transaction history to reflect them as ordinary card charges. Fraudulently so, I might add and emphasize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit card to care credit for my medical expenses I have never missed a payment and they lowered my credit limit when I wasn't even maxed out on the credit line and now I can't afford my medical procedure. This credit card is through Synchrony Bank XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93619
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: I recently submitted a complaint regarding a delivery fee not being refunded by XXXX 's. I submitted the case on XX/XX/XXXX Case # XXXX. They resolved it by crediting me like {$220.00} to my XXXX 's credit card financed by XXXX XXXX. Even though I didn't get the {$220.00} I was promised. I rolled with it. Everything was okay until today XX/XX/XXXX. I received a call from a lady name XXXX stating that she was XXXX 's XXXX XXXX from the XXXX store. She threatened me and stated that if I didn't pay her the {$220.00} for the barstools and end tables. That she'll put this as a collections on my credit report. She stated that I did a chargeback with XXXX I better pay them or bring them the items back immediately. I told her she needed to call XXXX to understand what happened. XXXX explained that she won't call them since they gave me a credit. Due to me telling them I didn't make that purchase. XXXX better straighten this out right now, or I'm going to retain legal council. They have until next XXXX XX/XX/XXXX to update me, or I'm suing. This place is a scam and a rip off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60543
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up for Care Credit 's credit card. All the correct information was provided on the application form. I was approved, my medical bill was paid by Care Credit, and they accepted payments to lower my balance. For the sake of convenience, I tried signing up for the mobile app. I was unable to. I reached out to Care Credit and they informed me that there was a fraud lock on my account. I dont know why when all the information provided was correct. They sent me out a form to fill out and return to them. This was done twice. Both times the information was correct, but I was told that the information was incorrect and that the from was altered. They would not tell me what was incorrect or how the form was altered either time. I asked if I could confirm my information with a specialist over the phone, online or through the app. They said the only option was to be mailed a form and have it filled out and sent back. I've applied with other companies and this is a very iritating and archaic process that Care Credit is making me go through. The initial application was correct, and there was no reason for a fraud lock. I verified my information correctly, twice, and yet they will not remove the fraud lock on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is in addition to the complaint # XXXX I have attached additional document information please see attachment in regard to Synchrony Bank continuing to escalate charges on my account saying I have not paid my account. It started with Synchrony missed applying my payment on time from there it keeps escalating additional charges there is no end to it. I would appreciate assistance in informing Synchrony Bank to Stop adding fees to my account ending in XXXX saying I owe more than the minimum amount. Synchrony Bank is continuing to add bank fees every month.
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: 2022-12-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: J.C. Penney ( Synchrony Bank ) closed my acct due to returned payments. These payments were not done by me nor from my XXXX bank acct. The payments are more than the balance at that time, my credit limit was much less than the payment or charges on the acct, I have received a letter stating that the payments have been applied in error and they r sorry, However they still have my account closed and said that I have to re apply to open my acct!. I have been a member/card holder since 2002 with no issues at all, I am now a Platinum member an I feel I shouldnt pay for someone elses mistake. And Im really XXXX!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/26 I tried to set up auto payment on a furniture financing card and that was rejected. The bank is Synchrony and the store is XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Account was opened for almost 1 year. XX/XX/2022 would have been a year. I missed my XXXX payment because of XXXX. I paid on this account regularly throughout the year, sometimes paying {$200.00} per month to get the balance down. On XX/XX/2022, XXXX XXXX closed my account because they ran my credit report ON XX/XX/2022 and found unfavorable actions in my credit report. This is unfair because account was already opened and Ive been a customer for almost one year and making regular payments. I contacted the rep at lowes credit Card rep on XX/XX/XXXX, she told me thats why they closed my account on XX/XX/XXXX because they ran my credit report on XX/XX/XXXX and did not like what they had seen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Purchased a XXXX XXXX computer online in XX/XX/2022 and used Synchrony/Paypal to finance at 0 % interest for twelve months with a required monthly minimum payment. 1st payment required in XXXX 2022. I have other shorter term 0 % promotional balances as well which will be required to be paid off before the 12 month promotional balance. I have additional non-promotional balances that occur monthly as well. In calculating my monthly payment it always includes an adequate amount to completely cover any monthly non-promotional charges. Payments for shorter term 0 % promotional balances are calculated according to the remaining balance and the time remaining on the promotion to assure the balance will be paid off prior to the expiration of the term of the promotion, while fully utilizing the term of the promotion to minimize the required payment monthly. The remaining 12 month promotion minimum payment is also included in the total monthly payment. Each monthly payment is calculated to meet the terms of financing agreed to at the time of each transaction. Since the transaction in XXXX for the XXXX computer with financing terms of 0 % interest over 12 months with a required minimum monthly payment, a period requiring 3 minimum monthly payments to be made, an amount nearly XXXX times that of the required minimum monthly payment has been applied to the 12 month promotional balance effectively reducing the promotional term to 5 months instead of 12 months. I did not agree to this financing term when I made the purchase. Synchrony is deliberately utilizing misapplication of payments to increase the likelihood that consumers will not be able to meet the increased payments required to then satisfy the terms of the shorter term financing agreements. Misapplication of payments that prematurely satisfy longer term financing plans that should have been applied to the shorter term financing plans that are due to expire before longer term financing plans expire can then result in consumers needlessly incurring deferred interest charges. This is an attempt at fraud, " wrongful or criminal deception intended to result in financial or personal gain ''. I have addressed this with Synchrony Bank representatives on multiple occasions. I am told that it takes 1-2 billing cycles to appropriately reallocate the payments that were received in such a way to comply with the terms I agreed to at the time the purchases were made. This will result in requiring me to make much higher monthly payments to avoid deferred interest charges on the remaining shorter term promotional balances. I have encountered similar misapplication of payments with Synchrony/Amazon financing plans as well. It is not an isolated incident but appears to be established practice at Synchrony. Payment allocation is done according to instructions that are programmed into a computer. This is premeditated attempted fraud by design. The CFPB should do something about it. I shouldn't have to call the bank to assure they are not trying to defraud me by deliberately misapplying timely payments in an effort to charge interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A