Date Received: 2022-12-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I made on time payments with Synchrony Bank and missed XXXX payment due to using my debit card to purchase gas for my car. My {$60.00} purchase was charged for {$120.00} with half the amount being held for several days. Due to this the payment to Synchrony Bank did not go through and I was actually charged that amount as an overdraft fee. My bank reversed the fee back to my account and I contacted Synchrony and explained the situation and made my payment to get back to good standings. Synchrony lowered my line of credit from {$5000.00} to {$800.00} which had a negative effect on my credit score. By default my debt stayed the same but my credit utilization increased so my score lowered even further. After making my most recent on time payment I was informed by Synchrony Bank that my account had been closed because I missed a payment and because my credit score was not high enough. My score was over 700 pre-pandemic and now it is under 500. My complaint ( s ) are not just with Synchrony Bank but also with XXXX XXXX and XXXX XXXX that hold funds from your personal account for several days as a result of being a customer with the businesses that utilize their services. I contacted XXXX to see who to file a complaint with and the agent put me on an endless hold without even informing me that I would be placed on hold. I feel that the credit card and financial institutions along with the credit bureaus have unfair practices towards those who are impacted most by financial hardships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had an account with Synchrony thru Guitar Center I regret getting an account thru them, although synchrony changed their name from GE Capital, there's still really just the same with their costomer service lousy. I've had them call me daily like 2 or 3 times to bug me about updating my financials, so I stoped answering, and lookout for letters in the mail, well " XXXX Synchrony '' didn't manage to update my Address information, so they sent the letters to my old address, and they canceled my card due to inactivity, without notifying me, and I talk to a representative named XXXX at XXXXXXXX XXXX XX/XX/22, and she can't do anything. in my opinion you think with how bad GE Capital is ( Synchrony ) the government would close them down, or XXXX XXXX XXXX ( break them up into smaller companies, like they did to XXXX XXXX XXXX in the 80 's ), I personally would not own a card thru synchrony, so no XXXX card they partner up with synchrony. After all you after to be really bad for XXXX credit cards to switch from synchrony to XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor SYNCHRONY CAR CARE has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: THEIR IS A BILLING ERROR ON MY ACCOUNT-MY ACCOUNT IS NOT IN THE NEGATIVE IT IS IN THE POSITIVE STANDING AND I WAS APPROVED FOR OPEN END CREDIT SO BASED ON 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. AND XXXX Billing error resolution. ( a ) Definition of billing error. For purposes of this section, the term billing error means : ( XXXX ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of XXXX ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and XXXX. ( XXXX ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. ( XXXX ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. ( XXXX ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. ( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
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: Transaction via XXXX XXXX XXXX was disputed on XX/XX/XXXX in the amount of {$210.00}. Vendor overcharged and failed to deliver the merchandise successfully. XXXX Synchrony Mastercard did not communicate effectively and closed the dispute which had to be reopened again on XX/XX/XXXX. Documents were successfully sent via fax and through the online message center. XXXX Synchrony Mastercard states that they have reopened the dispute when they have not. They also state that they have not received documents when I have screenshot proof that the files were successfully sent through the online portal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: the credit card company closed my account on XX/XX/2022 without any reason. that time my account balance was XXXX dollars. they closed my account and sent it to collection without giving me a chance to pay XXXX dollars. I try to pay them but they refuse to take the money or send me a bill. then I send them the payment within a month period anyway to clear the account of any balance. Now my problem is that they reported my account as ( collection and charge off ) on my credit report. which is hurting my credit. I want them to change it to ( paid as full. ) with no delinquency and report it to Credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called and spoke to an agent XXXX to update my payment information as I made an online payment while out of the country with the wrong Finacial institution information. I was informed by the agent that she could not assist me with that, and that I was unable to process the payment and to update information via my mobile device. I explained that I was out of the country and did not have my own personal computer with me. I did share that I would transfer money via PayPal to my former financial institution in order to cover the payment. Later that afternoon, I received an alert on my phone regarding account closure I called back spoke with another agent and asked to speak with a manager. They put me through to XXXX who is an account manager with Synchrony Bank. I explained that I was out of the country did not have access to a computer and wanted to update my financial institution information as well as the fact that I am addressing return items promptly. The account has never gone 30 days past due and expressed also my frustration that I do not have the ability to update the information via a mobile device. XXXX offered to update the information whereas the agent earlier did not offer and told me I had to do it online. XXXX also brought to my attention that there were no documented calls regarding any returned items which to me is problematic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: According to a credit card statement supplied by a collection agency, my credit card company charged-off {$30.00} on or about XX/XX/2020. Prior to this statement, I disputed the charge which was apparently assessed following a payoff quote received by the credit card company by phone and a full payment made by me to bring my account to a zero balance. Subsequently, the credit card company not only applied numerous late fees but continued to charge interest on the disputed amount before selling the account to a collection agency. The collection agency has now reported the amount to the bureaus, damaging my credit report and is attempting to collect the gross amount of nearly ten times the originally disputed balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
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 bought a guitar on XX/XX/22 from XXXX using my PayPal Credit account. A few days later, I received a keychain in the mail and not the guitar that I ordered. I requested a refund from the seller but he denied my request. I tried to get in contact with XXXX for around a week via email since they have no phone support with no luck. So I ended up opening a dispute with PayPal and PayPal Credit. Eventually XXXX said they would issue a full refund, but I would have to close the disputes. I tried to do so, but PayPal and PayPal Credit still to this day XX/XX/22 will not close these disputes and still no refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX an order was placed using my synchrony bank credit card the orders were delivered on XX/XX/XXXX and they were damaged they were picked up and returned to the warehouse on the XXXX they try to re-deliver a wedge and the wedge was damaged along with all the other furniture which I sent email to Ashley furniture on the XXXX XXXX XXXX males came in the warehouse I called I spoke with customer service a woman by the name of XXXX with customer service that said the items have been received in the warehouse I also spoke with another customer service rep named XXXX that also confirm that the items were received in the warehouse I was sent information from synchrony bank that was supplied to them by Ashley furniture with a signature that does not match my signature and the name that does not match my name stating that these items were delivered to a place that does not even match the description of my place I do not have any furniture from XXXX as they were delivered damaged and refused and returned and now I am on rightfully being charged for the amount a bit these items which is effecting my credit I want all items removed off my credit and so I have no merchandise from XXXX and it was confirmed more than XXXX time that the items were delivered and receipt to the warehouse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A