Date Received: 2022-12-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX I had an account at XXXX XXXX XXXX. I had one payment left and Synchrony closed the account, stating items they say were found on my credit report. At the exact same time, they also lowered the spending limit on my JC penny credit card to exactly what I had charged. All of this tanked my credit score! I called and asked them why, complained about their practices and they kept stating something on my credit report, which was NOT true! If I am paying my bills with them, they have NO reason to run my report or to lower the limits. Now that they tanked my credit score, they are doing it againXXXX XXXX is showing that they lowered my limits AGAIN on my JC penny card when I have been making the payments, stating something on my credit report. Each time they lower my limits, it tanks my credit score more and more. I am sure they have broken so many lending rules as well as running my credit report on a consistent basis, when I clearly NEVER signed anything for them to run it-I have looked into locking all of my credit reports so that they can not do this again. Their business practice is in question and I am sure they have broken a bunch of government rules doing what they are doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98198
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Over the last 2 months of XXXX and XXXX I have been receiving numerous harassment of calls every 5-10mins a day! They are using fake numbers that are not in service as well as their own company phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
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: 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: This letter is a formal complaint against SYNCB XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78108
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2021 XXXX of my pets had to have XXXX XXXXXXXX and I used my care credit and I was Charged XXXX. I used my card a couple more times at the same Vet with charges ranging in $ XXXX and I was given the a promotion for XXXX months. on the larger balance of XXXX I was given XXXX months. I find that very unfair smaller charges longer time to pay and larger charges give least amount to pay so the customer can get all that interest charged. I spoke with care credit on several occasion and they directed me to go back to the Vet and have them change the promotion time, they tried but they do not have that option to go back and give me the XXXX months so I call care credit back and now they tell me its to late to make any changes. I have had no help it is very sad especially with the hard times we are living it makes people not want to even pay. I have been going back and forth for month and now I was just charge all that interest. unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
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: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Back in XX/XX/XXXX I applied for a $ XXXX installment loan through Synchrony Bank to pay for a medical procedure. They were offering XXXX months no interest financing as a special offer. When I was approved for this special offer I added my payment information and setup my payment which I thought was setup to pay off the loan over the XXXX month special offer. There was no other payment amount provided to me at that time except to pay off the full balance or manually enter an amount in. My assumption was that this loan was paid off in full as of XX/XX/XXXX given that I have never missed a payment and everything was setup to be paid off. In reality, the payment option they provided doesn't fully pay off the entire balance of the loan so in XX/XX/XXXX I still had around $ XXXX in balance outstanding. My promotional offer expired and they added {$5000.00} in back interest at XXXX % interest from the previous XXXX months to my balance. My total balance is now back right where it started and I owe just shy of $ XXXX in outstanding balance with the added interest. I called to talk through this with them and explain what happened but they were unwilling to help in anyway and said that they had sent communication this was happening back in XXXX. I went back to the email they sent and it never mentions that they were going to add {$5000.00} in interest at that time to my balance. I would have just paid off the remaining $ XXXX in outstanding balance and been done with it. The email they sent was just a standard " here is your monthly payment amount '' email. You have to go into the statement and look at the very bottom of the XXXX page below all the main financial info to find out that they are going to add all this interest. This to me just doesn't seem right and I think I should be given the opportunity to pay off the balance of the loan minus the extreme interest that was added without my knowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78702
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My XXXX has committed ID Theft & bank Fraud with my ID. My XXXX and I have been working on this since XXXX to date, and the bank has made at least XXXX investigations off and on, claiming the dispute was denied. I don't believe they investigated at all and seemed to no know where my documents I sent were at. Then they sent the fraud account bill to us XX/XX/2022 for the balance of {$3700.00} to our address with my XXXX XXXX email attached to this account. They confirmed that the our address was the victims address and quickly got off the phone. Our XXXX has lied about this account to us as well as gaslighted for more confusion, but we feel we are caught between a bank that is not doing their job right and a XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 215XX
Submitted Via: Web
Date Sent: 2023-01-31
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: Submitted XXXX XXXXXXXX XXXX XXXX Payment on time and got a BOGUS Late Charge of {$32.00} when the payment was in fact on time. I have since CANCELLED the card due to BAD overall Credit Terms/Rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: SIMPLY PUT - SYNCHRONY STRIKES AGAIN! I noted a charge for {$69.00} to " XXXX '' on my paypal credit account. I googled the name of the merchant and it took me to a XXXX website, I was more sure than ever this was not a valid purchase. I called paypal credit and filed a fraud claim. A few weeks later a nondescript white bubble mailer arrived to my mailbox at my company. It was not signed for, rather the postman just scanned and left in the box. Not knowing what it was I opened it to find a bubble roll inside with a box inside that " working lamp '' - again no idea what it was. I showed it to my husband and asked my employees - no one knew what it was, and for the record, I AM THE ONLY PERSON with access to my paypal credit account. I went back to the XXXX website I found earlier and I thought I would try to see if this was just an error, and I wanted to return the item received, as it was not intended for me. I got an email reply pretty quick. It should be noted between the website, the merchant name and the email reply is XXXX different company names- definitely a nice shell game going on. I was told the item sent was for heat press and screen print to align items. Well, that is nice. I do not do either trade. I sell knives in our store. When I made contact with the company their offer was for me to return the item to XXXX!! That would easily cost me {$20.00} in shipping and then I have no guarantee it was received. The package was sent to me from XXXX, CA. In lieu of returning the items, I was offered, " We can provide you with a 50 % refund equivalent to USD {$34.00} and you get to keep the product. '' WOW, isn't that convenient?? Still NOTHING I ORDERED, NOTHING I CAN USE. I am not even sure what it is or what it does! I had my claim denied by paypal because " item was received '' by buyer. I called paypal and opened another case, again explaining everything here to date. Then several weeks after the case was opened I got a phone call from someone with very broken english stating they were from paypal credit. Now the caller asked me for my account number! Which I knew right away was a scam. However, the caller insisted they were there to help me with my claim to XXXX. In fact, the caller WAS THE MERCHANT! They were trying to get me to admit I bought the item or that I was willing to negotiate on the cost and let me keep it. I IMMEDIATELY called paypal afterwards and reported the conversation. I was told the claim was still being investigated and would resolve on XX/XX/XXXX. On XX/XX/XXXX I got a letter by email that the claim was again denied, and the reason was .... " purchased items were shipped to your address '' ( yes, but still NOT ordered by me or any other person- I do have CONSUMER RIGHTS for UNSOLICITED items received at my address, I attempted and wish to provide said items back to its shipper ). Also denied " you authorized, participated in, or benefitted from the purchase '' - SAYS WHO!?!?! Again, UNSOLICITED MERCHANDISE. It has NOT been used, I do not even know what it is!! And my favorite denial " payments have been made by you on this account '' - UH, I HAVE A PAYMENT DUE! I have items on this account I DID MAKE and I DO OWE. Seriously, you can NOT tell me to not pay my due amount that is NOT related to my claim. I called again today XX/XX/21 and spoke with XXXX in Fraud investigation. After putting me on hold to quiet their barking dog, we spoke for nearly XXXX minutes, until I continue to inquire WHY the {$69.00} was on my account now twice. XXXX said, " oh I see, hold '' - and I went back on hold, to within minutes have a new person on the line insisting they would help me. ABSOLUTELY NOT. I was not starting over, and when I called in previously I was told I could ONLY speak to fraud. This matter needs to be addressed. I did NOT purchase, intend to purchase, nor do I accept a DROP SHIPMENT of a " working lamp ''. I am happy to return ship it to a XXXX address for that is where it came from. I need my account adjusted to ONLY reflect my current XXXX promotions - one expiring in XXXX for {$250.00} and one expiring in XXXX for {$3000.00} - total balance {$3200.00} ( my now current balance on real time online says " XXXX '' that is {$130.00} MORE than my actual due balance. And note that {$130.00} is {$69.00} DOUBLED! So in fact, not only am I NOT being listened to, I now being charged TWICE for a fraud amount. I have tried to call again, and I get nothing but circles on the phone tree. It asks for the last XXXX digits of my account number, and then my phone number, and just repeats over and over. I press XXXX a gazillion times to finally hear it is trasnferring me and then I get hung up on. THIS NEEDS TO BE RESOLVED, I will seek legal counsel and support. This is WRONG WRONG WRONG.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
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: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: This company has repeatedly called My Son, and giving him my personal information about a debt that they are saying that I owed. I do not even live in the state anymore, and they refused to try to make a payment plan threatened to sue me sees my property to garnish my wages and hung up on me XXXX times when I asked to speak to a supervisor. They suggested that I paid the bill in full today when I asked him to make a payment plan because I was not working due to Covid. The supervisor supposedly got on the phone and then told me I should just file bankruptcy instead of making a payment plan with me. I told him that I was going to call the FTC because they were threatening me they hung up on Me and they threaten my personal property. Please shut these people down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX XXXX reporting agencies XXXX XXXX XXXX This item in specific detail retailer installment account last four # XXXX at XXXX XXXX XXXX XXXX is not delinquent and is inaccurate because pursuant to " Cal.Civ. Code sec 1810.4 '' ( " The finance charge shall include all charges incident to investigating and making the retail installment account. No fee, expense, delinquency, collection, or other charge whatsoever shall be taken, received, reserved, or contracted by the seller or holder of a retail installment account except as provided in this section. '' ) Also according to " Cal Civ Code Sec 1788.10 '' ( " No debt collector shall collect or attempt to collect a consumer debt by means of the following conduct : ( a ) The use, or threat of use, of XXXX XXXX or XXXX or any criminal means to cause harm to the person, or the reputation, or the property of any person ; ( b ) The threat that the failure to pay a consumer debt will result in an accusation that the debtor has committed a crime where such accusation, if made, would be false ; ( c ) The communication of, or threat to communicate to any person the fact that a debtor has engaged in conduct, other than the failure to pay a consumer debt, which the debt collector knows or has reason to believe will defame the debtor ; ( d ) The threat to the debtor to sell or assign to another person the obligation of the debtor to pay a consumer debt, with an accompanying false representation that the result of such sale or assignment would be that the debtor would lose any defense to the consumer debt ; ( e ) The threat to any person that nonpayment of the consumer debt may result in the arrest of the debtor or the seizure, garnishment, attachment or sale of any property or the garnishment or attachment of wages of the debtor, unless such action is in fact contemplated by the debt collector and permitted by the law ; or ( f ) The threat to take any action against the debtor which is prohibited by this title. '' ) I am requesting that XXXX XXXX have the delinquencies removed and account updated in accordance with Cal Civ Code sec 1810.4 and sec 1788.10. Attached are copies/exhibits of documentary evidence with description, supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them correct the disputed item as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A