Date Received: 2022-12-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, I received a digital letter from Synchrony Bank stating that my account with them through Guitar Center had been closed -- even though I had perfect payment history with them, and I still owe a balance. This is after they already reduced my credit limit earlier in the year -- again, I have perfect payment history with them. Both of these instances adversely affected my credit score. The letter and account closing date was dated for XX/XX/2022, and the credit score they were utilizing to determine this decision was from XX/XX/2022 -- more than 60 days old. There are two issues here : 1 ) XXXX shared my credit with them without my knowledge on XX/XX/2022, 2 ) Synchrony Bank/Guitar Center made the decision to close the account based on outdated/incorrect information. I called immediately and the customer service rep said her manager said it was XXXXXXXX XXXX fault for giving them the credit score in XXXX -- however, I find much more issue with Synchrony using outdated credit information to make a decision more than once this year, given I have perfect payment history with them. Now I will continue to make payments to them, without any of the benefit of " on time '' payments on an open account. They have impacted my credit score negatively twice this year. This is the second account I have had with them where they have done this. XXXX sharing my credit score when I have my credit report locked is something else that needs to be apprehended as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63116
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: SynchronyBank/CareCredit XXXX They are linked together. My payments are due on the XXXX of each month. I make my payments on the XXXX of each month through XXXX which is a bill paying service. My first payment XXXX XXXX, 2022, missed XXXX payment, made 2 payments XXXX on XXXX XXXX, 2022 and next XXXX, 2022. I contacted Synchrony Bank to advise I would be late on XXXX payment. On XXXX, 2022 I made a payment through XXXX for XXXX plus XXXX process fee total XXXX. I start getting texts and emails from Synchrony Bank that I was late on payment. I called them to advise I made payment through doxo on XXXX XXXX. They then advised a missing payment form would be applied. I made payment XXXX XXXX for XXXX through XXXX then received an email from Synchrony Bank that my payment was late. All payments due on the XXXX. I checked my statement it showed a charge of XXXX as a purchase raising my balance from XXXX to XXXX. I never made a purchase this was the amount they say was lost. I contacted Synchrony Bank advised that my statement was wrong I never made a purchase which was supposed to be taken off. I advised them I made XXXX payment on XXXX and they would receive it on XXXX XXXX. The agent said it would be taken care of and that they had received my payment of XXXX and I owed only XXXX because my monthly payment went up to XXXX. I checked my statement today and found the XXXX purchase still showing on there and they had received the XXXX payment and the XXXX payment and showed I still owed just XXXX. I'm still receiving emails that my XXXX payment is late which my statement shows it isn't. I feel like there is a lot of discrepancy on there part. There is no email avaliable for consumer use only a phone number which it takes up to 10minutes to talk to an agent. Imake my payments each month on the XXXX because that when I get paid due to my XXXX. Could you help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have one XXXX XXXX Account ending in XXXX. I opened this account in XXXX, and it has been the only account I have used since XXXX. I access my account with the Amazon XXXX. I have never picked from an account, the auto payments and every payment made outside of the autopayments have brought up my active account in XXXX XXXX until XXXX. I was unaware the closed account from XXXX or XXXX was still located as an account in Amazon to use for payment. The following does not sit well with me : 1. Why out of nowhere is another account being used for an XXXX and XXXX payment when years prior, the active account always popped up, and there were no issues in payment? ( 2 payments and no notice there was an issue ) 2. Why was there no notice that the payment had issues? I see the emails showing I made a payment outside of autopay. No email with a subject line indicating a payment could not be processed was sent. No text, phone call, email, letter, or internal message asking for a valid form of payment or informing me there was an issue. 3. I never received a letter telling me my account was closed. 4. I never received anything to tell me there was an issue with the first payment that suddenly drew from the closed account. 5. There is no appeal process to explain that I did not intentionally pay from a closed account. My history does not suggest that this is an issue with me. No other Synchrony Bank cards I have with you have anything similar. I autopay and submit extra payments-no issues until only Amazon and recently. 6. No phone call or text. I am surprised that the system did not generate an auto call or that a person did not call. 7. I think there was a glitch in the system with an update that brought up an old account from XXXX. But this has serious ramifications for my credit and potential security clearance and I am not given an opportunity to fix it before my account was closed for risk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78640
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i have tried fixing this for 2 yrs now. I had my car broken in to and had my wallet stolen.it had my id and social card stolen. i got a police report and have submitted to all the bureaus. XXXX and XXXX have yet to take it off my credit. i recently sent them another dispute showing that the information doesnt even match up between the bureaus and that the address is wrong, it isn't my address. this is an account from XXXX XXXX who purchased it from sychrony bank stating i owe them {$1500.00}. at no time have them showed me any proof of this account such as opened account info or contract
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. SYNCB/PPC XXXX XXXX XXXX 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: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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 or about XX/XX/XXXX, within XXXX minutes of being made aware of fraudulent transaction occurring, notified XXXX of fraudulent transaction for {$410.00} or thereabouts. Submitted dispute, and not given access to details of dispute nor investigation. Requested details of investigation on XX/XX/XXXX, again on XX/XX/XXXX. Again, today, requested details of investigation and final notice of dispute. Was told XX/XX/XXXX is date of results of dispute or some such. Not provided any document related to investigation, findings, nor final notices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Sectuon 2 States a consumer reporting agency can furnish a account without my written instruction. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer 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: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have XXXXXXXX XXXX through synchrony bank. I was charged a late fee by this bank even though I submitted the payment 3 weeks prior to the due date. This is the XX/XX/XXXX payment and the statement was generated on Upon contacting the bank, I was told that because I submitted the payment on the same day as the statement was generated, XX/XX/XXXX. This payment was accounted for the previous month payment, thus showing that I made XXXX payments in XXXX and a late fee in XXXX. The bank acknowledged that the late fee was removed but I am still accountable for paying the minimum payment for XXXX, which is 3 times more than the usual minimum payment. Penalizing the customer for paying before the due date is ridiculous. This is a first time experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is a complaint on the advertisement practices of XXXX website and how they are luring customers to apply for their credit without asking for full XXXX and mentioning about a hard enquiry throughout the process. XXXX ) I selected XXXX as the payment type on XXXX XXXX and it redirected me to their website. XXXX ) I selected my XXXX credit card on XXXX 's website to pay for the flight and it suggested and gave me an option to use PayPal credit and I could get {$40.00} off from this transaction. XXXX ) It sounded like a credit limit BMPL companies like XXXX gives without doing a hard enquiry. XXXX ) They didn't mention at all that this is an application for a credit card and there will be a hard enquiry. XXXX ) They didn't even ask for my full social security number. XXXX ) After I applied for the credit card, they said I'm approved for {$5000.00} and gave me {$40.00} off from next XXXX transaction. The whole process is luring customers like me with {$40.00} to apply for their credit card without mentioning that there will be a hard pull and it can affect my XXXX XXXX. My score dropped by XXXX points in XXXX and XXXX points in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2021 I opened a CareCredit card to pay for Invisalign through XXXX XXXX XXXX in XXXX, NC. A charge was made of {$5000.00}. The dentist office told me I had great credit and should expect XXXX % interest rate. Received the paperwork attached for a XXXX % XXXX year fixed interest rate which I reviewed when I got home. Called within the first few months as there were security card charges added on that were unnecessary and not fully explained at the time of purchase. Had them removed and refunded. I spoke with a CareCredit representative about the XXXX XXXX offer I was promised at the dentist office. They said it was still available and to have my dentist office call to switch to that promotion. No paperwork was ever proposed to me to switch the promotion. I called the dentist office and it was taken care of. I was signed up for a deferred interest 12 month promotion without my knowledge. Had no idea until it came due on XXXX statement. I would have never signed up for this as the XXXX XXXX interest for XXXX years was between the XXXX the better deal. Not being given the details or a choice this is predatory lending. I was never given the choice. Between the security fees and this promotion swindling I feel CareCredit is a predatory lender. I want this corrected as soon as possible as Im now on the hook for a larger monthly payment I never signed up for. Now I have a new card that has been sent to me for good customers to use this card for XXXX points and perks instead of the medical credit card I had signed up for. I do not want this change. I want nothing to do with this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A