Date Received: 2022-12-09
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: In XXXX XX/XX/XXXX around XXXX I ordered XXXX tires ( big items ) from XXXX using Paypal credit by Synchrony Bank XXXX The seller used a glitch on the system tricking the tracking number to make it look like it was delivered to my address. The tracking showed that the seller was in New York and my mailing address is in California. On XXXX XX/XX/XXXX around XXXX ( XXXX hours after my initial order ) the seller canceled the delivery at the same time it showed that the items were delivered to my front XXXX attached a picture that shows the time line of the item being in NY at XXXX am XX/XX/XXXX then got canceled at XXXX XX/XX/XXXX and magically appear at my front porch at the same time which is impossible. I tried to reason with XXXX but wasnt success, so I filed a dispute with Synchrony Bank. This voided my resolution with XXXX and they direct me to deal with the bank. Supportively, Synchrony should protect my interest since I never received that order. However I filed disputed 3 times and got denied all XXXX. I faxed them the evidence that I got in contact with XXXX to confirm that they never get that package nor deliver to me. The complaint that I filed against XXXX via BBB case number # XXXX showing XXXX admitted that the seller tried to send media product which not sufficient for the XXXX tires that I ordered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92841
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right. 15 USC 1681 Section 602 state I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 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 purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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: Credit card Company XXXX XXXX by synchrony bank Has issued cards to fraudulent persons using my name address and personal info And bill me for the fraudulent charges on the miss issued cards How many times you drive to resolve the issten times I have attempted to resolve the issue with the credit card company with the aid of XXXX XXXX XXXX With no results We have spoken with their fraud department at least 10 times since for the last 3 months with the help of XXXX. Each time we talk to someone that's supposed to be able to resolve the issue it is a different person and very seldom they keep notes or refer to the last person we talked to this has been gone over and over again with no results and XXXX has helped with each conversation but still without obtaining any results
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: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I do not owe this alleged debt. I am owed a credit of the full amount of the current balance which will XXXX XXXX the balance and a refund of all previous " payments " I made according to 15 USC 1666d. This company SYNCHRONY ignored my letter and violated ( Uniform Commercial Code ) UCC 9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( b ) Duty to respond to requests. SYNCHRONY BANK has not provided the required verification and they continue to try to collect on an alleged debt after I disputed it, making them in violation 15 USC 1692g ( b ). In addition when a billing error notice has been given the account is to credited while in dispute. I sent a letter to SYNCHRONY BANK telling them that I received a statement from them requesting of a payment from XXXX XXXX in the amount of {$3500.00}. I told them I am willing to pay off this account in the full amount of {$3500.00}, together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. According to 12 U.S. Code 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. No money, devices, or services were loaned by SYNCHRONY BANK to XXXX XXXX nor CREDIT WITH XXXX. I requested documentary evidence on account ending in XXXX, pursuant to 15 U.S. Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with XXXX XXXX my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ) which I have attached. I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K on the public and private side showing accounts receivable and payable. I request the accounting ledger to be authenticated by a secured party pursuant to UCC 9-102. This company needs to credit the account the full amount of the current balance which will XXXX XXXX the balance and refund all previous " payments " I made according to 15 USC 1666d, in the form of a check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX XXXX of 2022 Venmo Credit Card The credit card advertise that they give XXXX XXXX back on the highest used category and XXXX XXXX back on the second highest used category. I have multiple charges at different doctors offices, and utility company. The credit card refuses to categorize the merchants as health and utility categories respectfully, and gives back only XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07920
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a lot of hard inquiries on my credit report I have no knowledge about. I havent made no consent for anything to be on my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Credit limit changed
Subissue:
Consumer Complaint: The synchrony bank closed my paypal account, with no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 instruction. 15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end consumer credit 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: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: I am a long time XXXX customer, and opened a promotional rate XXXX XXXX XXXX ( ending in XXXX ) with them in XXXX. I funded the account immediately by transferring funds from my savings account. Shortly after I opened it, and still within the funding period that they indicated for the account, they increased the rate on this term XXXX. I requested that they apply the new higher rate to my account since it changed within the funding period. This only seems fair and right, and this was once their policy. I got the most frustrating runaround on this request, and eventually was denied or invited to close it with a penalty. I appealed this decision and asked for the matter to be escalated. Although I received numerous emails that said the matter was referred to the appropriate department and I would hear from them, I was never called or written back. All of my inquiries are documented within their secured email service. I continued to follow-up on this and most recently I was able to speak to a Supervisor XXXX XXXXXXXX XXXX XXXX XXXX who told me that my request for a rate change or penalty free withdrawal would not be honored. He suggested that I withdraw WITH PENALTY & reinvest a current rate, and calculated that I would actually be a little bit ahead in total earnings if I did so. Really? Nice interest expense back in XXXX 's pocket! An underlying problem is that XXXX was constantly escalating rates while heavily promoting their " XXXX XXXX 's '', deceptively ( with advertising language like " hurry this rate won't last! '' ) locking depositors into rates below what XXXX knew they would be increasing in XXXX weeks. I think this was an abuse of the consumer and a very bad faith practice by XXXX. But to my claim, after all of the personal time & frustration I experienced from this and all of XXXX 's broken promises and lack of care addressing my issue, I asked XXXX XXXX if he would discuss my matter with a higher authority ; I wanted to close that XXXX with no penalty and agreed to simply deposit it back into my Savings account. He said he didn't think that would happen, but said he understood and agreed to make the case for me and call me back the next week. It has been XXXX weeks now and I have not heard from him. I called and left a message that has not been returned. Once again, XXXX breaking promises to customers and providing awful service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
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 had a credit card with Gap through Synchrony Bank. They took the dispute incorrectly and had denied the claim- not understanding what I was originally disputing. So I had to appeal my claim that was in the works. To then have them move me from Synchrony to XXXX. And XXXX could not help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A