Date Received: 2022-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the fair credit reporting act, SYNCB/ASHHOMXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29229
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: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In XX/XX/2021, I incurred a vet expense and applied for this credit card with Synchrony Care Credit. However, what I was not aware of was that they had applied a security card charge billing me monthly. Recently, I discovered that they had billed me for a total amount of {$1000.00} in security charge fees. I filed a complaint to them and they refunded me for {$810.00}. I requested for the remaining refund for the difference of {$240.00}. However, each time I spoke to an agent, they deferred me to a supervisor who would get back to me the next business day. I've contacted them for 4 times now and no one has reached out to me. Each time I call, there is no way I can get this resolved. I was told I was unable to retrieve the two billing statements reflective of the combined amount of {$240.00} since that has been more than a year. The amounts provided are based on what the representative informed me over the phone. case # /call ID # lookup XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91702
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 4 accounts with XXXX XXXX. 100 % pay history. I was wrongfully terminated which unemployment found to be in my favor. The day I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the XXXX XXXX I asked to not be reported and I was protecting my pay history. The agent said no problem. 3 separate payments on 3 separate accounts was to get me into the new year. with full access to all accounts. First payment in XXXX XXXX XXXX XXXX minimum payments to get me through until my unemployment was approved. I am still waiting on Social Security determination. I receive my first unemployment this week sometime beginning XX/XX/22. since. I made first 2 agreed payments a 2 week early last payment was to be 5 days early. That's when I checked my XXXX report and my credit score dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set one up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next day first payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was 5 days before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but XXXX of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been bullied and left destitute after pleading for hours over conditions that are out of my control. ach merchants have a access number to my accounts that I nor XXXX XXXX have access to. Which means I don't have full control over my account Neither does XXXX XXXX That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from XXXX XXXX they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over 100 hrs of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NOTICE to SYNCHRONY BANK for failure to verify alleged debt pursuant to 15 USC 1692g ( b ). If you dont lawfully verify alleged debt or cease all collection activities I SHALL claim harm by way of TRESSPASS, FRAUD and EXTORTION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21234
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On or around XXXX XXXX XXXX XXXX, I had extreme pain in my mouth due to XXXX XXXX. I called the nearest dental service near me. XXXX XXXX XXXX XXXX, in XXXX, New York. After x-ray 's the dental assistant explained how serious the XXXX in my mouth was and can cause me to die if left for another day. She told me that I needed XXXX XXXX graphs and an XXXX XXXX treatment. She also made clear that my insurance wouldn't cover the procedure. She told me about the total cost for the procedure was XXXX. I didn't have that kind of money.I don't know what each item cost to equate XXXX. I was then asked if I had good credit. I was working on my credit and at that time it was XXXX. She took down my social security number and left. Some time passed and I was told the dentist is coming to do the work. I asked did I get approved? The lady said yes. I will be getting a bill in the mail in 2 months. The work was done. 2 months passed now I'm in XXXX, and I get an email stating that I'm late. I called Synchrony and explained what occurred and they sent me a copy of the account. 3 weeks later I then received the card with the terms and conditions. I expressed how unhappy I was and how unfair it has been. I never received 1. The card until I called, 2. The contract that I signed nor the terms and conditions, 3. The TILA, I have no clue what was the XXXX, XXXX. The date its due, 5. The option to shop around for a better deal. I feel like I was targeted and that this company is a predatory lender. My daughter went to the same establishment to get a similar procedure minus XXXX XXXX and they took down her social security number, came back and told her she doesn't qualify and gave her resources to get it done for {$600.00}. They preyed on me and charged me XXXX. Due to this, I went from a XXXX score to now XXXX. I am suffering mentally and physically. I should've been looking for a home, but I can not with a XXXX score. I can't eat nor sleep because I've worked so hard to build my credit and due to Synchrony/Carecredit predatory lending its destroyed. Synchrony/Carecredit has reported differently on each of my reports. Synchrony/Carecredit has an incorrect spelling of my name because they assumed my name from lack of identity. They only asked for my ss # and a name. Synchrony/Care credit has reported negative transactions and it's illegal to report transaction history. The reporting is not 100 % accurate, per 15 USC 1681. They violated the privacy act of 1974, 15 USC 6801, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, verbal, nonverbal communication I may have given per 15 USC 6802., 15 USC 6083, 15 USC 6804, 15 USC 6805.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 5XXXX U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
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: Hello im am writing to get assistance resolving a charge dispute for the amount of {$820.00} to my synchrony XXXX credit card. The amount reflect the cost of XXXX XXXX XXXX XXXX purchased through XXXX via a second party vendor XXXX XXXX XXXX The charge is in error due because the items weren't delivered nor received. I was tracking this purchase via XXXX website in order to make sure I was home when delivered, On the day of expected delivery XXXX a message was posted that the delivery was delayed and expected on XXXX. Next day XXXX I received a notification that it was delivered after midnight. After looking around my property there was no package and also checking my security camera during the time frame of so call delivery I was convinced it must have been an error message. I immediately contacted XXXX via the website chat on the afternoon of XXXX. At first they emailed the refund department to check on the return and issued me a refund.. After no resolution in their part I reached out again to XXXX and was told to contact the seller because it appears that the items was delivered, I contacted the seller and he advised me that the refund was issued on XXXX to XXXX. Once again I contacted XXXX via chat and advised the that the seller issued the refund on XXXX in which they directed me to contact Synchrony bank and open a charge back dispute due to the fact I bought the items with my XXXX credit card. After contacting synchrony and opening a charge back dispute they concluded that im responsible for the charges because it states that the item was delivered. I sent them documents showing the sellers response writing that a refund was issued in the full amount and gave them access to my chats with XXXX but again they closed the dispute saying the item was delivered. According to synchrony because the item is labeled delivered they can not issue the credit. I tried to have XXXX and synchrony and the seller communicate with each other and resolve this issue but have no luck. This should be an easy resolution the seller admits the refund was issued I don't know what the issue is I sent every document concerning this to all parties. I even sent bank statement and XXXX receipt to show I repurchase the same set tire via XXXX ..This is pretty much my last resort to resolving this matter I've been dealing with this for 6 months I will include all documents sent to XXXX and synchrony with this complain and will await any emails concerning or requesting more documents from me.. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
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 made a purchase on XX/XX/22 for clothing for a total of XXXX and used PayPal to make the purchase. I was suppose to have received the package on XX/XX/22 through the XXXX who confirmed delivery on that date. I have never received the package and did file a police report for larceny, as I was out of town that day and my only conclusion is the package was taken. I have disputed the charge three different times on XX/XX/22, XX/XX/22, and XX/XX/22 with Synchrony Credit as I have not received the package, therefore I do not understand why I am being charged. I did reach out to the XXXX and there were many interesting facts associated with the delivery of the package that also raised a concern. For instance the package weight was XXXX ounces which is not possible for XXXX worth of clothing and the size of the package fit in XXXX personnel 's hand, which also seemed interesting and impossible. The merchandise I ordered was from XXXX XXXX and the return address on the package, in a photo that XXXX provided, was from a company XXXX XXXX XXXX XXXX in XXXX, NJ, whom I have never heard of and when I went to their website there is nothing I purchased available on their website. I have tried to explain all of this to Synchrony Credit and they continue to charge me for the XXXX worth of merchandise that I have never received. Furthermore, when I did contact the XXXX, they mentioned they recommend a signature upon delivery for any package over {$500.00}, which is a good idea to avoid this kind of incidence. I appreciate your help in this matter. I am requesting Synchrony Credit take the XXXX charge off my account for merchandise that was not received. Please note I have reached out to PayPal Synchrony Credit via phone multiple times to resolve this matter as well as XXXX XXXX and XXXX by email with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Synchrony Bank called me in XXXX XXXX, to tell me that I had money in their bank. I told them that I did not have an account with them. They offered me to send information about it, by mail, to which I agreed. On XX/XX/XXXX, I received a letter from them, saying that the account XXXX ( I don't know the numbers ), was sold to XXXX XXXX XXXX for {$5200.00} ( I didn't understand what it was about, and I left it for later, because XXXX is very complicated ). Today, XX/XX/2022, I received a letter from XXXX XXXX XXXX saying that I have to pay them a debt of {$5200.00}! I do not owe that money nor have I borrowed it from anyone.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hi, I opened a new XXXX XXXX XXXXXXXX credit card in XX/XX/2022 and made my first purchase. As part of my purchase I received {$380.00} rewards in my 1st statement. I went to the XXXX XXXX XXXX store in XX/XX/2022 and made a purchase of {$220.00} by using my rewards. The day after I checked my rewards balance it was showing as XXXX XXXX balance. I called customer service as I thought that it was a system error. They told me that rewards have to be used in one transaction and if I do not use it in one transaction, remaining balance is deleted. This was never communicated to me clearly neither I was applying to card in XX/XX/2022 or the day I was making a purchase in the store by using my rewards in XXXX. The sales clerk should have at least warned me about this. They told me that it is stated in terms and conditions. This has to be written as big as possible so customer can aware about this or at least store employees should inform customers about this. This is not fair! It is like a Scam! If I would have know this, I would not apply to this credit card. It is clearly a fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A