Date Received: 2022-11-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid {$150.00} to Synchrony Bank electronically from my Bank XXXX XXXX XXXX pay on XXXX XXXX XXXX Ohio on XX/XX/2022 and they credit my synchrony bank account I have filed a theft claim with XXXX XXXX XXXX XXXX and I have all the documents to prove that synchrony bank in fact got their payment I will file a police report if necessary
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44511
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
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: XXXX XXXX XXXXsynchrony bank XXXX I made a complaint about fraud to the bank, about 6 month ago. Someone did purchases online without my authorization. Someone stole my identity and reached out synchrony bank/XXXXXXXX XXXX requesting new credit card on my behalf ( new credit card was sent to a different address, that they have on record, I was told by customer service representative XXXX Synchrony bank does not have any protection for to their customers they allowed transactions online for {$15000.00} ( It is RED FLAG ) and I DIDN'T GET any alert notification. I have been reporting this to them for SIX MONTHS However Synchrony bank has not removed all those fraud transactions from my account. I am really frustrated, please, please, please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/21, I was invited to apply for a Paypal XXXX XXXX Mastercard without impact to my credit score. I decided to see if I was approved, and what my terms would be. Again, I wanted to do this without impacting my credit and was informed that it would be so. As part of the application, I was shown Terms and Conditions of the offer ( s ), which included multiple interest rates. There was three different tiers of interest rates, some of which I would accept, others I would not. I understood that I would be shown my exact interest rate before accepting the credit account to be opened. However, after submitting a preliminary application, I was not shown my interest rate, but was approved for a credit line of {$750.00}. I have also received new hard inquiries from PayPal on my credit reports. In order to try and make the best of the situation, I called PayPal Credit Card Customer Service at ( XXXX ) XXXX to try and understand what these mysterious terms might be that were applied to my new credit line. I thought if the terms were good enough, I might accept the card. Again, I wasn't given any understanding of exact terms before the account was opened. I spoke with a person named XXXX at the number listed above and inquired of her what my interest rate might be. She said that the information wasn't available yet. So, even Paypal 's own Customer Service team didn't know what my interest rate was! Yet they opened an account for me? Without knowing terms? Seems odd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I did not want my XXXX account to be closed, and was locked out of the card. I made numerous attempts to access the card and use it before the card was shut down, and Synchrony bank was not accessible for help. I would like for my Amazon store card to be reinstated. There is no reason that the bank closed this card on me rather than helping me access it. This hurts my credit score because it is one of my oldest cards, and this is not right. I have been trying to recover my account from some issues and was locked out of this account. Please assist in reinstating my XXXX credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hello, I am done fighting with Synchrony Bank. This company has lied to me more times then necessary. Synchrony Bank 's customer care team told me a refund check for my account ending in XXXX was mailed on XX/XX/2022 and would be received within 7-15 business days which would have been by XX/XX/2022. I am sick and tired of this company lying to me. I even called and the person I spoke with on the phone confirmed and verified that check was mailed to my address and would be received. I am no longer going to put up with this business lying to me. I am now requesting to be protected to fight for what this business has been leading me on about. I was informed by multiple agents within Synchrony Bank 's customer service team a refund was processed and was mailed to my address on my account .I am now requesting assistance in obtaining the refund check I was promised would be mailed by this business. The amount of the refund check was for {$4500.00}. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Im accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: PayPal has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. PayPal auto used subscription I did not authorize after canceling subscription. PayPal listed itself as different names and I had no idea who the debt Iwas actually acused of owing. Paypal sold my debt to at least XXXX company I know of, XXXX XXXX XXXX, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. XXXX XXXX XXXX claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But PayPal claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in XXXX. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I wrote synchrony bank/ Chevron XXXX XX/XX/2022, to request a goodwill adjustment on an account showing XXXX late payments. They wrote me back stating they can not honor my request. However, after doing some research in consumer law, I have come to realize that it is and was synchrony bank/ chevron obligation to remove the late payments. According to title 15 USC 1666b ( a ) A creditor may NOT treat a payment on a credit card account on a open end consumer report as late for any purpose. And according to title 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report DOES NOT include transactions, including late payments or experiences between the consumer and creditor or person making the report. Therefore, synchrony bank/ Chevron has violated my consumer rights when this account was opened by reporting late payments to the credit reporting agencies. They are still reporting these late payments today. If the removal of the late payments is impossible due to the account being closed, I request that synchrony bank XXXX Chevron CEASE REPORTING THIS ACCOUNT TO THE CREDIT REPORTING AGENCIES. I also know that any creditor needs my written consent to report my information to credit reporting agencies. The violations they have incurred is {$1000.00} each. I have enclosed my invoice for the violations. I will settle for payment of {$1000.00} of the invoice charges ONLY if synchrony agree to REMOVE ALL LATE PAYMENTS. IF THEY CAN ONLY DELETE THE ACCOUNT, I WILL SETTLE FOR {$2000.00} in monetary relief for violating my consumer rights. IF THEY CAN NOT COMPLY WITH ANY OF MY REQUEST CONCERNING THE REPORTING OF THIS ACCOUNT, I WILL NEED {$4000.00} for the violations. Please Make check payable to XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31601
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application reference number : XXXX I applied for a XXXX XXXX credit card that is issued through Synchrony Bank. On XX/XX/2022, I received a letter from Synchrony Bank to call customer service to very my identity. I called the number XXXX on XX/XX/2022. I was directed to go to a website which is used to verify my ID. The process involved me taking a photo of my state driver 's license and record a short video of myself and upload it to the site at which time I did. When I recorded the video, I was at my job and in my uniform which is a XXXX XXXX. My uniform displays my XXXX XXXX XXXX After holding for about 10 minutes the customer service agent advised me that the bank is unable to verify my identity and the application is being denied. On XX/XX/2022, I spoke to a supervisor named XXXX and advised him of my issue, XXXX stated he can not tell me why the application was denied and that I should have received a letter. I explained that I did not receive a letter and expressed a concern that I was denied the application based on a bias against XXXX XXXX. Every document and information supplied to Synchrony Bank was information that only I would be able to provide. I also have a current credit card issued from Synchrony Bank that I have held for approximately 7 years in addition the video I uploaded was of me in my XXXX XXXX XXXX that clearly showed my XXXX XXXX XXXX XXXX on it. I advised XXXX that I feel I was discriminated against because I was wearing a XXXX XXXX XXXX and therefore, I was denied credit. XXXX sated that I would hear a response back in writing in 7-10 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online on XX/XX/XXXX via XXXX and on XX/XX/XXXX via XXXX and consumer credit transactions were completed with Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX XXXXSynchrony Bank denied me credit after each transaction. The denials discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A