Date Received: 2022-12-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
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: The company is XXXX Credit which is actually Synchrony Bank. I had a charge that I do not recognize on the account, I called XX/XX/XXXX to let them know as soon as I saw the charge. I asked them to dispute as fraud, and they assured me that they would take care of it. I paid off my entire balance, and left the amount for the dispute, as I can not pay for things I never bought, and I expected them to apply a temporary credit while undergoing investigation like they had promised. Upon further checking I noticed that the account did not ever receive the credit. I was being sent automated emails on XX/XX/XXXX about how my payment was due, and how I was now being charged a late fee for not paying, however I know that the credit card company is not allowed to do this, for a disputed amount. I called XX/XX/XXXX and spoke with a person named XXXX XXXX and she told me that the dispute wasn't entered and they had made a mistake. Now looking at the account I see that they are trying to charge me another non payment / late fee, and they are still asking me to pay for the disputed amount. I have not been sent any documentation via mail regarding a dispute, or email for that matter. I just would like the balance to be taken care of in the amount of {$130.00} and with their newly added late fees now {$170.00} I can not pay for something that is fraud, and it seems they do not wish to actually make the dispute for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank updated its payment system recently and my payment card defaulted to an old closed account and when I resubmitted, it did the same thing. I had ample funds in my account to cover any payment. It was only when I went to process a third time that I saw the bank account was defaulting to the closed account. I attempted to contact Synchrony Bank and became frustrated as their phone tree and wait times are exceptionally long. When I finally reached a person I explained that their system was billing incorrectly and I had confirmation numbers and bank records to back up what I was saying. The agents just kept repeating that since there was returned payments the account was automatically closed and offered no recourse to a higher level without additional long wait times which seemed intended to discourage rather than resolve. There was no attempt to understand or accept that there could be an error on their behalf. I see from other recent complaints that my experience is not an exception and there was probably harm done to a broad swath of people with their unilateral decision to close a certain class of accounts which may well be in good standing due to a systemic error on Synchrony Bank 's behalf. What is more egregious is that after processing my payment which was twice the minimum amount due, and charging me a {$30.00} late fee, they closed my account which had never been late the following day. I have still not received any formal communication from Synchrony Bank and my attempts to have my account reinstated have been met with unhelpful rote citation of company policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony # XXXX XXXX XXXX XXXX Contacted Synchrony on why charged late {$40.00} late fee each month when bill is paid by due date? REP reported correction on next bill. NOT CORRECTED ON NEW BILL. CHARGED ADDITIONAL {$40.00}. HELP!! XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed a SYNCB/PPL account on my XXXX XXXX credit report a few months ago. I have never had any dealings with this bank nor have I ever applied for credit with Paypal ( PPL ). The report lists what I believe is an amount of credit extended and an amount due but it does not explain and I have never received any notification of this activity. It does however lower my credit rating. I called XXXX approximately XXXX months ago and my complaint was assigned a case # XXXX. I was placed on a conference call with XXXX XXXX of XXXX and a male bank representive of SYNCB and at the conclusion of the call was told that by the bank rep that it is a fraudulent account and that within 60 days it would be removed. Subsequently the balance disappeared but the account remained on the XXXX online " XXXX XXXX '' report. In XXXX I noticed a new unpaid balance of approximately {$1000.00} on the report which again lowered my credit rating. I called XXXX again and was referred to an XXXX representative, XXXX XXXX , with a case # XXXX. On XXXX XXXX she gave me a dizzyingly long list of reports I needed to file and contacts I needed to make to file a complaint. Today I tried to follow up with XXXX online and was given another report # XXXX for obtaining information. However I was informed that getting information would require that I have a long list of identification documents that I do not have, : government-issued ID card, such as drivers license, copy of utility bill, etc. I am a retiree and for the past XXXX years I have been a full-time traveler in countries not in the U.S. I have a U.S. passport, a Social Security card, and a mail-forwarding address in XXXX XXXX , Nevada. I do not own property and have no permanent residential address anywhere. Your help is requested in removing this fraudulent account from my credit report. I can be reached at XXXX, or by phone at my current temporary location, XXXX XXXX XXXX ( through XX/XX/23 ). Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Through PayPal, PayPal credit issued me a pre-approved account for {$2500.00}. You don't receive a card you can only use it as a credit towards their inside accept it institutions. I attempted to use the credit at XXXX XXXX XXXX. It was declined I spoke to the virtual chat and they said the card the {$2500.00} was not approved then I received a {$15.00} insurance/latefee charge. Why am I being charged for something that was never officially approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Getting the loan
Subissue:
Consumer Complaint: The XXXX XXXX turned my application over to Synchrony Bank which would handle the actual financing. I am presuming that my credit was satisfactory but there was the strange question of identification. First I was told that I could not complete the application on my XXXX despite the fact that it has a camera. I was told that I need to go to XXXX XXXX XXXXXXXX on a smartphone ( which I do not have ) and follow the instructions. So, I borrowed a neighbor 's XXXX and found that I needed to take a video of myself that met certain exact standards and photograph the front and rear of my Drivers License or State ID Card. I am XXXX XXXX XXXX and have some XXXX XXXX XXXX XXXX as most people my age do. My lack of manual dexterity in my hands and fingers ( which comes with age ) makes it difficult for older people to operate a smartphone. Still, I was able after two tries to make photos of both sides of my State ID Card. However, I simply did not have the manual dexterity to make the somewhat complicated video in the short time that the software allowed. I think that I could have done it with more time. This is probably the case with most people XXXX XXXX XXXX. I doubt that other people my age could do this easily unless they are very experienced in operating a smartphone. This appears to me to be age discrimination since I asked Symphony Bank to consider my excellent credit and the fact that I had three other accounts with them for identification. I made several phone calls but no help was provided to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85614
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up auto pay and they send me an email saying my payment is due. I checked and it was scheduled to pull but keep getting notified payment was due. I find out this morning that they pulled the payment twice. Now tell me I paid the full balance twice. Should not be able to pay any credit card twice with no balance. I ask them to reverse that charges and they refused. Said a charge of $ XXXX had posted to the account and they will deduct that amount. Told them any new charges do not even get billed until after the closing date on XX/XX/2023. Now the want to take 15 days or more to mail me a check! This type of practice needs to be stopped
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am trying to withdraw funds ( {$15000.00} ) from my IRA Account with Syncrony Bank. I filled out the appropriate paperwork and Faxed it to them on XX/XX/XXXX and then also E-mailed it to them on XX/XX/XXXX. I still have not received the funds. I have called 10 times and spoken to a Customer Service Representative. One told me the money would be in my Account on XX/XX/XXXX and it was not. On another call a Representative told me it would be in the account on XX/XX/XXXX. It was not. Another employee told me they were totally understaffed in their IRA Department. Today I called and the Representative named XXXX said I should wait a week and if it hasn't gone through to submit another form. She said Syncrony has been trying to contact my bank XXXX XXXX XXXX XXXX XXXX to verify information but has been unable to. At this point I need the money to live on and to make purchases. I will now have to get a Credit Card advance to pay my bills which will cost me {$280.00} and if the money isn't in my account by the end of the year it will adversely affect my taxes. It is inappropriate to not be able to access one 's funds for nearly a month. I appreciate any help you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96740
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A