Date Received: 2022-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Synchrony Bank issued a complaint in the XXXX XXXX For XXXX XXXX XXXX. Synchrony Bank state that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail. Pursant to the Fair Debt Collection Practices Act - 15 USC 1692c ( c ) how can an attorney file a lawsuit against ( and thereby commuicate with ) a non-consenting consumer or file a motion for summary judgement against that consumer? Synchrony Bank is in violation of the XXXX XXXX XXXX XXXX XXXX by furnishing my personal information such as my social security number, address and phone number to the third party, XXXX, XXXX XXXX, XXXX & XXXX, XXXX. Synchrony Bank has had a complaint sanctioned by the Consumer Financial Protection Bureau which has been attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony Bank/PayPal has and continues to charge us late fees and interest on Fraudulent charges that they have since resolved. However, the previous late charges and interest have not been credited and they continue to charge additional late fees and interest as they consider the account delinquent. We have tried several times to get this resolved but it does not appear they understand how their systems work. Should be simple math. We had a XXXX balance. Fraud was committed on the account. Fraud is resolved. No additional purchases as account was closed out. Account balance should be XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had an air conditioning system installed on XX/XX/2022 by XXXX XXXX, who offered an 18 month same as XXXX XXXX XXXX, through XXXX / XXXX XXXX XXXX Synchrony Bank. Despite significant difficulties with their XXXX XXXX, I was eventually able to access the online banking system, set up auto pay. A few weeks later, I received my first statement, which was confusing to say the least. Despite a general reference to the XXXX XXXX, the statement does not show the payment required to avoid 26.99 % interest rate ; the statement does show a minimum payment of {$230.00}, which would take 9 years to pay off the loan ( plus an additional {$16000.00} in interest on a {$9500.00} loan ), 3 year payment of {$390.00} ( which would still accrue {$4700.00} in interest ). I called Synchrony customer service, spoke with an agent who confirmed they do not provide the proper payment for the promotion on their statements, it is up to the consumer to " do the math ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: FOR AT LEAST THE LAST 3 MONTHES I HAVE NOT BEEN ABLE TO ACCESS MY ON LINE STATEMENTS. I HAVE NO IDEA HOW MUCH INTEREST I AM BEING CHARGED, BUT I DO KNOW THAT {$20.00} FROM {$100.00} 0N A 2241.?? BALANCE IS NOT REASONABLE. I TRIED ONLINE CHAT AND TELEPHONE. IALL I GOT FROM THAT WAS FRUSTRATION. I HOPE THAT HELPS ME TO GET HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 504XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Regarding Paypal Credit w/ Synchrony . They offer 0 % apr purchases with their card if the consumer pays off the debt within 6 months. I have been making more than sufficient payments to eliminate the debt within the 6 months but they continue to charge me interest. When I call, they say the payments are not applied to the First purchases that would have the earlier promotion expiration date. They do not offer any way for the consumer to specify where the payment should go. I have paid off all these debts and they continue to charge me interest. They are misleading the consumer and performing predatory practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is in response to my previous complaint which was not addressed. XXXX Instead, they seek to delay the resolution. Inevitable resolution of dismissing the debt. Requesting information provided time and time again on phone calls with Synchrony Bank, detailed in prior complaints to the CFPB. We are actively publishing all of these complaints in pursuit of a class action suit. Additionally repeated continuous calls throughout the day and week, filling up my Voice mailbox are unacceptable. Until Synchrony fully addresses the problem, they should stop harassing me and remove the debt from all of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company reported a inquiry that I did not do thank please remove
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XXXX XXXX XXXX I opened a Lowes Credit Card through Synchrony Bank to take advantage of a 20 % off offer ( capped at XXXX dollars ) on a refrigerator that I was purchasing from XXXX. After being approved online for the card ( XXXX XXXX XXXX XXXX I went to purchase the refrigerator and only 5 % ( the standard lowes credit card discount rate rather than the new card rate ) was applied to the cart. Before making the purchase I called Lowes Customer Service, who informed me that the 5 % was applied because it was a sale item. This was not apparent to me when signing up for the card. As a result, I called synchrony bank that same day, prior to making the purchase to either cancel the card or see if they would offer me a discount. When I spoke with synchrony bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) they told me they could not help me with the discount. I then said I wanted to cancel the application, to which they informed me it was too late. I then said I wanted to cancel the card since the discount couldn't be offered and I had yet to make the purchase. I was then placed on hold so the Synchrony employee could discuss the issue with their supervisor. The employee returned to inform me that the reason the XXXX dollars ( 20 % off offer at the cap ) was not showing up was because it was issued " on the back end by the bank '' and that the XXXX dollars would come off once the transaction had cleared my account. This clearly implied that synchrony bank would offer the XXXX dollars off after I made the transaction. I was skeptical of this given that was contrary to what the original offer said. I asked " Can you 100 % guarantee that I will get the XXXX dollars off '' and the employee said yes it was guaranteed after speaking with his supervisor. I asked the employee to note this on my file, which he claimed he did. I then made the purchase of the fridge based on this. The total cost of the fridge was XXXX cents, 5 % was taken off at the transaction for a total discount of XXXX dollars. The total purchase after tax but before the promised XXXX dollars off discount is XXXX dollars. The transaction was posted on my account but no XXXX dollars was taken off. My account was billed for XXXX dollars. I then followed up with Synchrony bank on XX/XX/XXXX at XXXX XXXX I explained that Syhcrony Bank had offered me a guarantee which was not met and that their statements essentially defrauded me into maintaining the account ( rather than closing it ) and making a sizeable purchase rather than not. I asked that the credit be issued and after several rounds between the customer service representative and their supervisor I was told they could not issue a credit. They refused to listen to the recording of the previous call ( from XX/XX/XXXX ) and would not acknowledge if there was or was not a note on my file. They suggested I could just use the 20 % off on another purchase or elect for interest free financing. I explained that I had made this purchase based on the false claims of their representative, the same for maintaining rather than closing the account. They refused to compensate me as promised. I've attached the receipt for the transaction. The coupon code for the introductory offer is : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act This account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I refinanced my property to pay my credit cards. On XX/XX/2022 a check was mailed by the title company to XXXX XXXX credit card in the amount of {$790.00}. The check was cashed but never applied to my account and I was told that they were in the process of transitioning over to a new bank and that the new bank XXXX was the one that received my payment however my account stayed with the old bank Synchrony and they never received the payment. I have called Synchrony for their help and they told me that I need to call XXXX. XXXX will not talk to me because they do not have me in their system. Synchrony has asked that the title company dispute the check but the title company told me that they are not able to do so because the check was cashed. I feel very frustrated because I want to get this money applied to my account but it seems that no one will help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A