Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43224
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: At my demand and with the assistance of an XXXX representative my PayPal accounts were supposedly closed a year ago and no further communications requested. The receipt of two scam notifications stating my account was charged ( no account number given ) was forwarded to CFPB in Complaint No XXXX which requested confirmation all accounts were closed iand any information secured. Soon after PayPal sent another email about messages waiting on my PayPal account which allegedly don't exist : CFPB Complaint Number XXXX. At that time I requested the company be fined for continued communications and that they cease and desist. Now, on XXXX XXXX I receive another notice to log into my non-existent PayPal account which is nothing short of continued harassment ( copy attached ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX, I was at a restaurant and my card was declined, they encourage you to use card to get rewards and had done so, Instead of calling asking about the use they shut down my card and called me after the the fact, and refused to let me know why saying it was an on going investigation, 15 days latter they finally let me know it was because i tried to use the card, I was only 45 minutes away from my home. I was totally humiliated, this was a Sams Synchrony Bank card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In 2021 I received a notice that an account in my name was in collections, however, there was never an account opened by me during that time. I have searched back through 10 years of records and they are stating it's a 9 year old account that they purchased from Synchrony, however, we have no record of opening that account. I have never opened any accounts in JUST my name as I haven't worked for almost 20 years. My husband has never opened an account for me alone and we do not own credit cards. We tried to file a dispute last year with a demand letter and they have yet to provide information showing this was our account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33455
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've had multiple calls with Syncrhony Card Security department. They have been charging me a Card Security fee that I had never noticed until this month when completing company expense reports. I used my PayPal XXXX XXXX ' account, which is powered by Syncrony XXXX Upon further digging and calls with this department realized they have been charging me this since 2009. On my last call, I made them cancel and prior to hanging up the rep offered me ~ {$1100.00} refund on the phone, which I took as an immediate acceptance of fault and explicitly stated " I don't accept this offer, I want a full refund because I never authorized this service ''. He said their department would be in touch within the next 3 business days -- that was 2 weeks ago. Since, I logged into my Paypal account today and noticed a credit of {$1600.00}, which I did not accept or authorize. For at least 18 months they have charged {$160.00} per month for this stupid 'card security ' benefit/service, so the above credit doesn't even cover the year they have fraudulently taken money from me. My only request on my last call, which I have not received yet, is that ( 1 ) I wanted a report of every month this fee was levied and ( 2 ) I wanted all of the metadata on any click-through or acceptance I had every executed, which shows that I acknowledged purchasing this service so that I could give both to my legal team and instead of giving what I requested, they have attempted some arbitrary credit. I've included my last written correspondence from them, in which you can see there is no mention of a refund, just acknowledgment of cancelation of the service. At this point, this particular department and bank is not listening to my requests, and I frankly am not sure what to do at this point other than leverage CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47401
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: 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: Unfair treatment by Synchrony Bank regarding a {$15000.00} disputed amount, despite irrefutable evidence provided by us. Synchrony has repeatedly sided with the " merchant '', despite evidence we have provided and despite us refuting the evidence provided by the merchant. XX/XX/XXXX : We filed a dispute with Synchrony. XX/XX/XXXX, The merchant was sided with due to their claim that they have tried multiple times to contact us with no success. On second & third dispute, we provided evidence to the contrary. XX/XX/XXXX : We filed another dispute. XX/XX/XXXX, Documents of evidence was mailed, which had been lost in XXXX network. XX/XX/XXXX, documentation was sent again. We called Synchrony bank and informed them of the situation. Evidentiary documentation was lost in XXXX network a second time ; Synchrony Bank never received our documentation. XX/XX/XXXX, email was sent to us, that the merchant has been sided with ; due to our " signing of the satisfaction completion certificate ''. On closer observation by Synchrony Bank, they would have seen that this had never been signed. Evidence provided by us in the refutation of this claim to Synchrony bank in the third dispute, had been disregarded. XX/XX/XXXX : We opened a third dispute. Synchrony bank received the documentation we sent for the previous dispute on XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX, we sent all conceivable documentation regarding our case. Evidence to Synchrony of the " service not rendered '' ; faulty and beyond unsatisfactory ; photos of the sewer back-up, photos from a video of the faulty job, professional evaluation of the video ( photos ), evidence showing plumbing done against code. Because the merchant has been continually sided with, we provided Synchrony with documentations, illustrating the merchants pattern of false statement and misleading information that has been provided to them by the merchant ; claims that they have tried to contact us multiple times without success, claims of " job completion '', claim of us signing a " certified satisfaction of completion '', claims that they have been continually working with us to come to a resolution, claims they have been following through with contacting city entities that are required to accomplish the job, etc. XX/XX/XXXX : an email was sent by Synchrony Bank informing that have sided with the Merchant. The merchant had reciprocated that they had finished the job. Synchrony 's email to us reciprocated the words of the merchant ; I quote, " According to our records, it does not appear an error occurred. The merchant has indicated all services were rendered Again ''. And this, despite the concrete indisputable evidence we have provided. We have also asked Synchrony Bank to send us photos sent to them by the merchant of underground work they did. This was stated in the letter from the merchant to Synchrony Bank in the third dispute. I have asked multiple times, they disregard what I'm asking on email, and when I've called, they don't have any information regarding this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84070
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: 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 disputed this Ashley XXXX account from Ashely Furniture XXXX XXXX more than two months ago with Synchrony Bank, and it was cleared off my credit report to a XXXX balance which is what is should be. I purchased a mattress from Ashely Furniture on XX/XX/2022. The mattress was and became deemed defective by Ashley 's Furniture Corporate office in XXXXXXXX XXXX XXXXn XXXX of XXXX. Ashely Furniture then in XX/XX/2022 sent me a new Exchange order to replace the defective mattress. There mattress people came into my place with a new mattress " Had me sign for the new mattress and then left with the new mattress '', they never even took the defective more than 2 inch deep hole mattress back Ashely Furniture already deemed defective themselves. The mattress was no good, it sinks and it just defective! I know longer want to do business with Ashely Furniture Store. My account was current and paid in full via XXXX up until XXXX when a balance was then added back which should not be to my credit report, my balance was XXXX for the last few months and account was paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10977
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I recieved my Care Credit statement XX/XX/22 I mailed it XX/XX/22 it was due XX/XX/22 I get letter on XX/XX/22 stating quote ( We recently received a blank, voided or incomplete check at our remittance center which can not be processed. For your security the check has been destroyed ) Synchrony Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I immediately upon receiving letter made payment by automatic phone I have tried numerous times to call and get thru waiting for over hour on hold. This is absolutely wrong
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 726XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have had an XXXX store card through Synchrony bank for roughly 7 years. Starting recently, the number that they send verification codes to when I log in is _not_ a number associated with my account so I am unable to log into my account and verify recent purchases. Most recently, I called about the issue today, XX/XX/XXXX at XXXX PM Central time but i have called in the past about this as well. The customer service representatives : * Verify that the correct phone number is associated with my account * Tell me that they use phone numbers from credit bureaus, so I have to correct it with the credit bureaus * They can not tell me _which_ credit bureau is reporting the misinformation I have checked the major 3 bureaus ( XXXX, XXXX, and XXXX ) and none of them have incorrect data. At one point a customer service rep gave me a different bureau to check, but i can't remember that name either and it only had the correct information anyway. I am unable to resolve this issue. They will disable two-factor authentication on my account, but that only gets me in once and then it eventually gets turned back on
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78729
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: HAVE FRAUD INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72206
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A