Date Received: 2022-11-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony XXXX XXXX ( XXXX XXXX XXXX ). When a promotional purchase is made on XXXX, Synchrony advertises equal monthly payments with no interest, versus a payment in full. Given the volume of transactions that Synchrony processes through their online system, It is fair to say that their payment allocation options are intentionally inadequate and crafted to maximize consumer error. The basic expectation from a consumer 's perspective, is that Synchrony provide a simple way to auto-pay a promotional purchase ( over 1 year for example ) while still allowing the auto-payment of the required monthly balance related to other purchases. Synchrony does not do this. Instead, Synchrony provides a hierarchical payment allocation method like " Allocate Payment to Non-Promotional Balances First ''. After making a promotional purchase, a consumer that previously had Auto-Pay setup to pay the required monthly balance in full, now has to remove that form of auto-pay and select the correct allocation. Then the consumer needs to review their purchasing activity, locate the promotional purchase, and calculate their monthly payment for the promotional purchase. Then the consumer needs to go back and review their total balance and figure out how much to set their auto-payment amount to so that they will not incur penalties. And finally, the consumer needs to make sure to login each month and update and re-calculate their auto-payment amount If they make additional purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Amazon syncB bank is on my credit report as a hard inquiry. I never applied for anything with Amazon. I never tried to get a credit card or see my credit nothing. This is wrong or fraud. I need help please thank you. As of XX/XX/ it was put on there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: accounts have been open in my name that i did not apply for and inquiries to my credit have been made that i did not request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. The following accounts are on XXXX XXXX XXXX - XX/XX/XXXX XXXX via Syncbpaypal - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
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: RE TJX Synchrony Bank credit Card. I made a 1 time purchase on the telephone from an ad I saw using Synchrony Bank credit card. After first order was received and paid for the company continued to send me multiple orders all of which were returned to sender unopened. They charged my Synchrony Bank credit card. I called the number from the telephone number listed on the address label of the package and instructed them to not send me anymore shipments and I told them that I had never ordered these products and everything was return shipped via US Post Service to them, that they must remove all charges to my credit card as I did not have the product. I never agreed to any multiple order shipments. I would never do such a thing! On my credit card the company name was XXXX XXXX '. I got their their phone number from Synchrony Bank when I called them to find out what the charges were for when I found to that this was another name for this face cream company. There were multiple charges on the credit card from a company with a different name and it took me a while to figure out that it was the same company with this face cream product {$19.00}. I was very firm that I did not want any repeat orders. Synchrony bank credited me the amounts on XXXX XXXX XXXX XXXX {$110.00}, {$110.00}, {$39.00}, {$110.00}, {$110.00}, {$39.00} I contacted Synchrony Bank to close this card and they sent me a new card. I explained the situation and was assured that this was the best way to stop this company from billing me. The representative understood the situation and agreed that it should be closed and a new card issued to stop further charges. I specifically discussed this situation with Synchrony Bank, opened a dispute. My account was credited and the account was closed. After my account was closed the charges reappeared on the new card. I spoke with Synchrony Bank customer Service who told me the company recharged my account. This is exactly what I was trying to avoid. Now Synchrony Bank is billing me for these charges including interest charged if I do not pay, I have spoken with their account managers several times in order to get this resolved without success. At this point I am trying everything to clear this charge up. I am desperate as I have spend huge time on this and hours on the telephone without the respect of Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an XXXX XXXX which is issued by Synchrony Bank. I have consistent problems with my payments taking weeks to post to my card account. Most months, I pay the monthly statement balance in full. The actual payment is deducted from my personal checking account within several business days of making a card payment. However, it can take several weeks for this to be reflected on my XXXX card balance. My most recent payment posted on my card account on XX/XX/2022, but it is still not reflected in my spending limit/activity. My very first statement/payment after using the card took several weeks to process. When I called customer service, they said that larger payments took longer to process because it was an 'abnormal payment '. I made several follow up phone calls since I was promised that the payment would be reflected in my 'available to spend ' balance, and there was no change. I do not understand why it is taking weeks for my payments to be reflected in my balance/spending availability ; it is negatively impacting my credit utilization. I do not have this issue with any other credit accounts. Whenever I call customer service, I receive a different explanation as to why the payments take so long to post. On the XXXX XXXX website, it does say that payments sent via mail can take up to 10 days to process ; however, I ALWAYS pay my bill online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX has sent me around XX/XX/2022, to what I believe is a false judgment against me. I was never served. The letter I got in the mail was not from an actual court. In it had collection relief companies to try and fix it. Since then, I have had random phone calls and random letters from debt collection attorneys " trying to help. '' I responded to the alleged judgement and never heard anything back. Then today, I officially got served. It is my understanding that a fake judgement is coercion by using fear and illegal to try and make me pay a debt to avoid court and other legal issues for the future. So, they falsely gave me a judgement that they did not file yet. So, it was a fake judgement to avoid the real judgement. The file I sent was the only thing I received in the mail prior to the actual legal judgment. The actual judgment was served to me XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received an email from Synchrony bankXXXX stating that my credit card account was closed. I have always made payments on time with the exception of XXXX where I paid the account late. In either XXXX or XXXX I had an issue with this account because I paid at the beginning of the month and had been doing so since I got the card. I was charged a late fee for paying my account on the same day the invoice was made ( the XXXX XXXX. I disputed the late fee and was told that I paid it too early and the payment I made was applied to the previous month 's statement even though I had already paid that month 's installment. The phone calls I made to the bank were recorded by the bank. My payments with the exception of this month, XXXX, have always been paid before the XXXX of the month which is when the payments are usually due. Now all of a sudden I receive notification that they closed my account. I chose to go this route as opposed to reaching out to Synchrony Bank because my previous conversations with them about my account have been very unpleasant. They couldn't understand why I felt that my payment was on time be it that the invoice was made that day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent the credit bureaus letters asking them to verify the debts on my report on XX/XX/2022. They have completed the investigations stating that the debts were verified or updated. Today XX/XX/2022, I pulled another credit report and this report is still report inaccuracies. I have attached the letters sent to each bureau. screenshots of the response also attached is pages related to each account from my updated credit report, highlighted inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An inqiry was made by SYNB/ SAMS 'S XXXX on my XXXX XXXX credit report XXXX XXXX, XXXX 2022. I never authorized this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A