Date Received: 2022-12-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, I received an alert that an inquiry had been made into my XXXX credit report that I did not initiate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank closed all my cards without notice. I have paid on time, never been late, and have not done any transactions that would have been suspicious. My credit report score has gone up over the last month. Yet, they won't tell me why they closed my accounts. There is no valid reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On the XXXX of XXXX I made a {$77.00} payment to synchrony bank from my wifes back account before the due date of XX/XX/XXXX which was accepted, however my wifes bank account was overdrawn and denied the payment, so I was immediately charged a late fee of {$44.00} as well as a {$56.00} interest charge which then immediately put me {$45.00} into minus credit, and my next minimum payment is now {$190.00}. My account basically set me up to fail, I wasnt contacted that my payment had been denied and paid it in good faith. Whats worse is they started calling and emailing me constantly about it within a couple of days. Ive been struggling with making payments with this account for a while and on my account page is a questionnaire about closing the account and making payments. I filled out the questionnaire and got denied, instead referred me to the XXXX XXXX XXXX XXXXXXXX XXXX? I filled it in using different options but its always denied. They trick you into thinking theres assistance but in reality they dont want to close your account. They basically want me to be in debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for a XXXX mortgage and was informed by the underwriter that a conflicted error ( statement posted ) had occur in the credit reporting. I disputed the mentioned account, and the dispute was resolved, and payment was made to put the account at a XXXX balance of {$500.00} in XXXX. The entry for the tradeline shows that I have a dispute with the PAID ACCOUNT. I have contacted the creditor and the credit bureau to get the statement removed from the report by letter on XX/XX/XXXX. I also attempted to call during the same time period but to no avail. This statement is causing grave concern in getting the approval for the mortgage. I did not DISPUTE this account after making the payment, and am asking the statement to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: on my statement closing date of XX/XX/XXXX I received an interest charge because the promotional offer expired. I had a promotional offer of 0 % interest on a XXXX purchase if paid in 1 year in full. I was not able to pay off the entire balance but paid on the principle of said loan for the entire year and my balance was {$2400.00} on XX/XX/XXXX. I received a whopping charge of {$940.00} in interest fees. While I did agree to said terms it was my understanding that I would be charge the XXXX of 26.99 % ( XXXX Rate at time of expiration of promotion ) of what I owed. My Balance was XXXX at 26.99 % interest that would be XXXX. Which I am fine with. I do not agree with these inflated fees. I feel it's extremely predatory. I contacted the customer service line XX/XX/XXXX and the only thing they offered was to waive the fees if I paid in full by the XXXX of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been dealing with payment issues with PayPal credit for almost two years. When account was opened I signed up for auto payments, as I do with all my credit cards. In the beginning it seemed to work, sometime in XXXX of XXXX payments were not made automatically, even though I still received emails every month telling me it would happen. The day after the due date, I would get an email telling me my payment was returned by the bank. This was an automatic debit, not a check, so nothing was returned. They closed my credit account. I sent a certified mail to them, which I never got a response to. They did seem to open my account again, not sure. The payment problem continued, same as above. I had been going to my account, via the internet and making payments to make up for the ones they did not take, of course these are mostly late, due to the emails saying the payment was received, then the email saying it wasn't. Also, the account information for payments is still on my account and this is the same info used for the payment, they claim they can't make. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I finally sent them another certified letter in XX/XX/XXXX, explaining again the problem. No response to the letter. When able I tried to get back into my account via the internet and my access was denied. I then attempted to use my PayPal app, access denied. I still am receiving the emails about the payment coming out, payment received and then the day after due date, payment returned. I have copies of the most recent to forward to you, as well as the certified letters I sent. Here are my issues - 1. The have charged me almost every month a {$40.00} late fee. 2. They may have charged me a returned check fee of {$27.00}, each month. 3. I have no access to my account, so I can not get past statements to know what they charged, 4. THEY HAVE DESTROYED MY CREDIT. As of this month I see that PayPal credit did not send me my usual e-mails, I did get an email from Synchrony Bank. After all this time dealing with PayPal and hearing of what they were or trying to do with companies, ( XXXX charge ) perhaps Synchrony is taking over? Not sure. I can't help to wonder if they are doing these things to people on purpose, for financial reasons.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is complaint against Synchrony Home Design Credit Card. I had this card over 2 years now. But when I did my refinance back in XXXX my title company issued a check of the full amount on the credit card. They posted the payment at one point and then they reversed it back on the account in XXXX and since then they are reporting my account past due. I called them multiple time to fix this but they are not cooperative at all. I had a brief call this morning to find out what is going on with that account. The account manager tells me that there was some more information required in order to process the payment which I was never informed prior to today. She also claimed that they still have the check in their possession. I asked them what information they need and once I provide that how long will it take to resolve this issue she tells me it can still take up to another 60 days which I feel it should not be as everything on the account currently is because of their mistake. I would like to resolve the issue at the earliest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. For the following accounts : Acct name : XXXX Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I, XXXX XXXX had applied for an XXXX crdit card. Happened that after a few months paying My account on time, I discovered that this financial institucin, Synchrony Bank enrolled me IN a " Credit Card Insurance Fee '' which I did not Requested or authorized. I contacted the bank and they told me the can't do anything. It is SCAM. I request You intervention to fix this annoying and unpleasant situation and this bank and or Insurance company make me a full REFUND of all the ilegal charges done on My account. Thanks XXXX XXXX XXXX Ph. XXXX Last XXXX S.S- XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX was the date SYNCB/TJX CO appeared on my credit report along with XXXX charges ( per conversation with XXXX customer service rep on XX/XX/2022 ). I never applied for this card. Reported it on the XX/XX/XXXX to XXXX XXXX Customer support letting them know I did NOT apply for this card and I have never applied for a store credit card with that company. Spoke with credit restoration specialist on XX/XX/2022 ( from XXXX ) as well as discussed case with SYNCB/TJX CO to dispute and remove from credit report. So contacted XXXX and XXXX to report and placed security freeze on all three credit reporting accounts. SYNCB/TJX CO to delete card and take action on their end to investigate ( per conversation on the phone with them and XXXX Credit restoration specialist ) on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A