Date Received: 2022-12-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have done business with Synchrony Bank for several years. I have never had a returned or late payment. This month, for some reason, my payment was posted on XXXX XXXX for XXXX dollars and it did not reflect on my available credit, so I could no longer use the card. This is very problematic, because I have some automatic payments that use this card to take payments from. This may cause me extra work and possible late fees from these companies. I called Synchrony on Sunday, XX/XX/XXXX, to find out why. The automated system told me that I could just make a payment to free up credit. I issued a payment of {$1000.00}. In the past, that would credit right away. It didn't this time, so I called a representative. I asked her why all of the sudden why my payments weren't freeing up my credit. She said that there was an algorithm that decided that and there was nothing anyone could do. She said the payment would be held until XX/XX/XXXX. I asked about the new payment that I made. She said the XXXX on that one, so I cancelled the XXXX payment. It no longer did me any good. When the XXXX came, I needed to pay my travel agent for a purchase. I checked my account and was horrified to find that the payment was still being held. I called customer service again. This person gave me a different answer as to why this was happening. I asked him when my payment hold would end. He said it would at the time I made my payment a week ago. I told him that I didn't know because it was a credit card transfer. He kept asking my what time I made the payment. I don't think he understood that there is no way I can tell what time a balance transfer comes into their office. I asked him why this was happening in the first place. He claimed that the payment I made was too big ( XXXX ). That made no sense at all because I had made large payments before and never had a hold. He told me that he guaranteed that my {$6000.00} payment from the last month was held too. I informed him that it wasn't and that my {$1000.00} dollar payment was going to be also held. He claimed that the previous representative that told me that on the XXXX was wrong. I informed his that she wasn't wrong about that because I wasn't getting credit for that payment either when I checked the account. He clearly had no idea what he was talking about, so I asked for a manager. The manager told me that the reason for the hold was that I made multiple payments in a month. That also didn't make sense for two reasons. The first reason is that I have made multiple payments in a month before and this has never happened. The second reason that that doesn't make sense is that when you call the customer service number, they actually tell you that you can make a payment to free up your credit ( which would cause a multiple payment ). He informed me that I would have my money freed up by midnight. I then informed him that I would be filing complaints against his company for causing all these problems for no reason on a custom that has been perfect with payments for several years. This is extremely frustrating because had they warned my that they would start messing with my money for no reason, at least I could have made other arrangement. It just happened out of the clear blue. It also causes problems with people and companies expecting to get paid and may cause me late fees. The fact that I got 3 nonsensical answers from 3 different representatives is also unbelievable. All this information can be verified. 1 ) I have a perfect payment record with the company 2 ) I have made large payments and more that one during a billing period in the past with no nonsensical holds on my money. 3 ) All phone conversations were recorded so it can be verified that I am telling the truth about what I was told. Credit card companies should not be allowed to play these games with customers money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56301
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 I have 2 inquiries on my credit report because they failed to identify me at the first time giving them my social security number, my phone number, my address and my driver 's license number. They asked me to take a picture of myself at Lowe 's store, and they end up telling me, " we couldn't identify you based on the information you provided, the picture was not for you, so we can't issue a Lowe 's Advantage card ''. I filed a complaint with the XXXX, and they said " we are sorry, we made a mistake ''., they issued a Lowe 's Advantage card for {$10000.00}. I called and asked them to remove the first inquiry because it's their fault. They sent a letter saying, " we can't remove the first inquiry because you could not identify yourself ''. But they could identify me the second time without a picture and issued the card. I spoke to a supervisor after receiving that letter, and he promised to put a request to remove that inquiry. Today, XX/XX/2022, meaning, XXXX months later, I called and spoke to XXXX, account manager, who said, I can't put request to remove this inquiry, because you failed to identify yourself to us. I said, no, you failed to do that. You issued me XXXX credit cards based on the same information. I hang up and called again, after being on hold for an hour and XXXX minutes, I spoke to manager, XXXX, who said, I will put another request. I asked : why XXXX, the account manager refused to put that request again? She said, I don't know. the system in Synchrony Bank is defected. The same problem with their automated service is still happening today : you call and enter account number ; it says we can't find an account. Entered social security number, the same reply. We can't find that social security number, after pressing XXXX more than XXXX times, I spoke to a representative who said, yes, I have your account number and SS number. XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by SYNCHRONY. In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report. Credit reporting agencies such as XXXX, XXXX and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( SYNCHRONY ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act. Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from SYNCHRONY. As a violation of 15 USC 6802- you ( SYNCHRONY ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. You ( SYNCHRONY ) are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( SYNCHRONY ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: on XX/XX/2022 I was notified, not by synchrony, but by XXXX XXXX that my account was closed. I had received no warning, and had paid the late fee already related to an issue setting up my bank account for my first payment ( on a less than {$100.00} charge on a {$1200.00} credit line ). With no NOTIFICATION, and less than a month after making an official payment once getting my bank account set up, my account was closed with no warning, resulting in an extreme negative action on my credit report. This not only dropped my credit score significantly, but effected my credit usage, further impacting my score. When contacted, I was given different reasons by different representatives. Ultimately, because they could. This is an extremely negative practice that is damaging and dangerous, especially in this economy, to consumers. All attempts at communication were met with blanket statements, with no offer of resolution. This is akin to loan sharking. They want open accounts so their business numbers are good, but do not want consumers utilizing credit lines they as a company can't afford.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Synchrony Bank for the interest I have earned, as a result of Synchrony Bank is trading my securities on the exchange. This has been done with out my knowledge and constitutes that Synchrony Bank trustee listed above is committing SECURITIESFRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Walgreens XX/XX/XXXX I called Walgreens/Synchrony bank to report fraud. XXXX XXXX about XXXX in the amt of {$110.00}, plus late charges, and XXXX charges. Was told my XXXX XXXX would update and receive a new card in the mail XXXX to XXXX days. On XX/XX/XXXX I called again cause I received a statement that still had all the charges on them. XXXX XXXX XXXX XXXX transferred to XXXX in XXXX XXXX XXXX XXXX was told I owed nothing and she would expedite a card as soon as matter was resolved. XX/XX/XXXX called again as this is still on Credit Report. I XXXX XXXXXXXX then XXXX to XXXX in XXXX XXXX XXXX XXXX they sent a letter & new card on XX/XX/XXXX stating I was not at fault for charges. Have not received anything as of today XXXX XXXX waived XXXX late charges and interest. I supposedly have a {$0.00} balance. She was sending a request to open my acct again. but no guarantee this would XXXX hrs for Credit Bureaus to update. I don't understand why she's asking to have a new card and to open my Account since they went in my favor and supposedly on XX/XX/XXXX sent me a new card that I have not received. Probably haven't received because they never get my address correct. They keep putting XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. When it should be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. Jcpenney on XX/XX/XXXX XXXX XXXX XXXX. Acct had been deleted and {$8.00} charge was forgiven. That this should not be on my Credit report. It would be 30 days to update. I would have to apply for a new card. This {$8.00} charge was in dispute as I had ordered slippers that JCP sent to my old addess in MA XXXX XXXX XXXX XXXX, XXXX, MA. I was told I was not responsible for that charge. The slippers should have been sent to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Instead they close and delete my account. As of today this is still on my Credit Report. I called them and XXXX XXXX and XXXX stated that it would be another XXXX to XXXX days. I haven't had time today call XXXX XXXX. As this was told to me on XX/XX/XXXX this would be off my XXXX XXXX as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXey took off my late charges and I made double my payment on XXXX card ending in XXXX of {$200.00}. The other XXXX XXXX card ending in XXXX was paid off and now have a {$39.00} credit as I must of over paid. My XXXX XXXX card with the government was hit with fraud as well at the same time. They are the only ones that resolved everything for. I feel like I am being punished for something I didn't create. None of this was my fault. They made promises that were never followed through with. I will now call them every 7 days until this is resolved or you can help me fix this. This has been a horrible ordeal as I am in the middle of trying to get a mortgage to buy a home. Now I can't and the home I want will be gone before this is resolved. Please reach out to me for more information if needed. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
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 have charge of {$600.00} on my card on XX/XX/2022 that I never made and it was made before I received the card. Company has policy to remove and investigate and remove the charge immediately - its still there and I get transferred from one person to another on the phone. Just received request to pay this balance in 5 days even though it is not my charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
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: On XX/XX/22 my account was used fraudulently and was charged {$500.00}. After XXXX disputes with Paypal Credit/Synchrony , they found the dispute in my favor. My account was closed and issued a new one. The new account was hit with a balance transfer of {$500.00} and then charged again {$500.00}. I've contacted Paypal credit a number of times to resolve the issue and after spending endless hours on the phone, I can not get a satisfactory answer of why I'm still seeing these amounts on my statement and they require payment. I've tried asking to escalate the issue to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was asked to sign up for a rewards program on XX/XX/2022 and was told it wasnt a credit card so I decided it was fine to sign up but it turned to be a credit card and it did effect my score. I called the store to asked to cancel everything because of the miscommunication and I wanted my credit score back to how it was before.But they was unable to do so and and proceeded to tell me to call the number on the back of the receipt which I did and they told me to inform CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01852
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied an extension of credit from Synchrony Financial/Amazon which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A