Date Received: 2022-12-13
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Synchrony bank shared my nonpublic personal information with a debt collection agency who is now suing me for an alleged debt. According to XXXX, this information can not be shared with a nonaffiliated third party unless myself the consumer was beforehand given the right to opt out of sharing of this information along with an explanation on how to exercise my right to nondisclosure. According to the terms of the alleged contact furnished to me by the debt collection agency, I was not given the right to opt out nor the instructions on how to do so. Due to this matter, Synchrony bank is in violation of my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened up am XXXX XXXX XXXX credit card because they were offering/advertising " 30 % off your first purchase when you open and use a Real Rewards credit card! '' XXXX XXXX Bank never sent me my 30 % off coupon. I had already used the card at XXXX XXXX. I called Synchrony Bank ( the card issuer ) and spoke to customer service rep, XXXX on XX/XX/XXXX. XXXX suggested that he can dispute the first XXXX XXXX charge ( total was {$110.00} ) and get {$33.00} back on my account. I said that was fine but it would have been easier to just send a 30 % off coupon. XXXX told me to go online and on my credit card website, to submit screenshots of the 30 % listed on the website as proof that there was a discount on first purchase at XXXX XXXX XXXX XXXX I submitted a message on the online portal on XX/XX/XXXX at XXXX PM XXXX. I was notified on XX/XX/XXXX by a P XXXX XXXX that my dispute is noted and that they would look into the situation. I called XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) because I have yet to hear anything from them regarding the dispute. I spoke to customer service rep, XXXX, who informed me that the dispute was closed and that they decided in favor of the merchant ( themselves ). I only opened up a credit card with XXXX XXXX XXXX so that I could get the advertised 30 % off and also the " real rewards '', which is still not connected to my account. Very deceptive advertisement practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: SyncbAmazon PLCC ( The compmany was contact and ask to show proof that this account belongs to me. No one contact me back, nor later or call. I been identity theft since 2005. I also have a lock on my account. ( ACCOUNT NEED TO BE REMOVED ALL THE INQUIRIES NEED TO BE REMOVED. I HAVENT APPIED FOR ANYTHING IN 2-3 YEARS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: This is the XXXX claim Im making against this bank because AFTER my XXXX claim, they are STILL SENDING ME CREDIT CARDS FROM A CLOSED ACCOUNT. I have been dealing with this since the summer. PLEASE HELP ME! Synchrony bank illegally reopened a credit card of my that was closed for XXXX years. I started receiving credit cards from them, so I requested them to stop. I have XXXX different letter saying my account is closed, yet a month later, I would get a new credit card. The bank keeps telling me its a system error ; whenever I called to close my account their system put it down as a request replacement card. I DONT HAVE AN ACCOUNT WITH THEM!!! THIS HAS HAPPENED XXXX TIMES SINCE THE SUMMER. AND MY FIRST CLAIM WITH YOU, YOU SIDED WITH THE BANK!!! SAYING WHAT THEY WERE DOING WAS OK SINCE I HAD AN ACCOUNT WITH THEM YEARS AGO!! This company is harassing me! Please make them stop!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. Please know that the Only accounts that should be reporting on my Credit Reports is below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others. I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. I have been a Victim and advocate against such crimes since 2008 XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
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 XXXX XXXX my new credit card was charged to the max XXXX XXXX.showing a purchase which was I didnt initiate after contacting the store I was assured that they will fix the issue I went to the store and finalized the order ..total was {$4200.00} balance was to be refunded to the card as agreed My order was never delivered even after making multiple attempts to contact the store.. I filed a dispute with the bank where the merchant presented a different receipt and claimed XXXX XXXX of {$9700.00} as cancellation charges While the final order was for only {$4200.00} And I never cancelled my order XXXX did not delivered anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/XXXX we purchased patio furniture from Rooms To Go and took advantage of their 36 month NO INTEREST financing. In XX/XX/XXXX we purchased additional patio furniture from them and took advantage of their 24 months NO INTEREST financing. Both purchases were financed through Synchrony Bank. There were problems from the start. On XXXX the entire remaining purchase amount of {$5000.00} was unexpectedly debited from my checking account. I immediately called Synchrony customer service. After a lot of time on the phone, they finally agreed to cut me a check and snail mail it to me. They told me to be patient - that this would take some time to get approved and through accounting. I gave them my temporary address for the summer to mail it to. This Synchrony rep ( XXXX ) told me that the refund would definitely be processed and to just " sit tight ''. For many weeks, I called repeatedly to get a status report. On XXXX a rep ( XXXX ) told me that the refund had NOT been processed, but that she would do the paperwork. Finally in a later call, I was told by another rep that a check had been cut but sent to the wrong address. Eventually the check was forwarded to my summer address and received on XXXX. In hindsight, this long time period where they were fixing their first mistake may be where the problem started. Auto pay had been set up, and I received notices that my payments were going through. I never received paper statements and never checked my online statements because my payments were going through and it was a NO INTEREST loan! However, upon recently checking my online statement, I saw that my Synchrony account had interest charges! In fact, on the XXXX statement the interest charges are at {$740.00} ( they're charging 29.99 % )! As soon as I discovered this, I called customer service to notify them of their mistake and asked for a reversal of all interest charges. After multiple attempts to speak with a supervisor and even hang-ups from more than one rep, I finally got a rep who took the time to look over the account and agreed this was a no-brainer. He went to a supervisor and the supervisor agreed that the charges should be reversed. He told me to sit tight - that this could take a while. He said the charges would be reversed, and to check my online account in a couple of weeks. I checked almost daily, and no adjustments were made with my account and no communication. I did, however, receive a letter in the mail from Synchrony on XXXX ( attached ) which requested more information. I thought this could be promising. I completed the form explaining the situation ( for what felt like the hundredth time ) in writing on their form ( attached ). To my surprise, I received a form letter from them on XXXX ( attached ) which does not address the interest charges at all! I have tried to get names and emails for higher ups in the organization but have not been successful. Yesterday I found a " secure portal '' online. I sent them a message letting them know how irate I was at this point with their lack of responsiveness and seemingly fraudulent business practices. I don't really expect them to care or do anything at this point. In fact, I recently looked online, and they apparently have MANY unhappy customers, some claiming fraudulent business practices. Not surprising - right? In addition, in attempting to get help from the Rooms To Go manager, I got the impression that he has had other customers run into similar issues with Synchrony. Thank you for communicating with the company on my behalf. It seems that escalating this may be the only possible way to get it resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We are not able to have our payment applied so that we can continue to use our card for food and gas. I cant understand why the payment is considered large when its less than {$4000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a XXXX XXXX credit card account on XXXX and made a charge on XXXX. The statement closing date assigned to my account was XXXX. So I was billed for my charges based on a 2 day billing cycle, with no advance notification. I asked the company to reset my billing cycle to a more reasonable date and credit my account for any fees and interest accrued under the current billing cycle. They refused and offered to close the accoutn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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: Someone fraudulently charged on my credit card so I reported it and credit card company has denied the claim. I have spent hours on the phone with the company been transferred many times, been given wrong phone numbers to call and had to send a picture of my id.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A