Date Received: 2024-02-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Synchrony Bank does not deposit checks immediately or the next business day. I have had to redeposit multiple checks after several days for them to be credited to my account. This is inexcusable and no other bank commits this negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95993
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/2023 XXXX XX/XX/2023. XXXX XX/XX/2023. XXXX XX/XX/2023. XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Store Card for Amazon I miss XXXX XXXX received this card and XXXX of XXXX return several items what's Shown up above. By the carrier of XXXX XXXX File a dispute XX/XX/2023 the items were not credited back to my store card. Is stating that they issued it in a gift card without my authorization there are no transactions of a gift card issued on my account with Amazon my card has been closed out without my authorization for delinquent payments my transactions of payments the payments were being made I was advised by customer service not to make a.ny more payments until the issue was resolved I took it upon myself to make payments the credit line was only for {$400.00} I do not understand how it is {$200.00} with a payment of {$40.00} due. At the opening of this account {$400.00} line of credit what's {$15.00} payments per month when I had the card ran it came up as a scam? My ending results do you have this card removed off of my credit report immediately to given service of my card with Amazon
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28052
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been with Synchrony Bank via " Care credit '' which is a line of medically related credit. I always made my payments on time, online, using my same bank. When it came down to the last payment owed, Synchrony bank said that my payment was declined. I never wait until the due date to make payments, so I went and made sure the money was in fact there and that the account were accurate, and resubmitted the payment. Some days later I got another email saying the payment was declined. I looked online and Synchrony bank showed no balance, so I assumed the email was an old communication. But then I got ANOTHER email saying that my account was now flagged as delinquent. So again I went online to see what I could see about WHY the payment wasn't being processed. I submitted the payment AGAIN, but this time I also opted to speak directly to an agent immediately following my online submission. He suggested that the previous payments didn't go through due to insufficient funds, which was never the case. He also implied my own human error in entering the account information, which also wasn't the case as I had saved the account information on throt system for fast easy payments. He said he could see the payment attempts. I asked if there could have been an error on their side of the automated process, and if we could please go ahead with a manual payment to insure it would not be rejected again. I also asked what could be done about the credit reporting, as I have never made a late payment to them or to ANY account. He said that I would have to take it up with a credit reporting agency. Then Synchrony bank closed my account, citing dishonored payments as the reason! This is unfair credit reporting, as it wasn't my fault their system stopped accepting payments randomly at the last payment due! Please note that the account has been settled in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10566
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
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: On XX/XX/year>, made a purchase through Paypal ( synchrony Bank ) for an XXXX item. Purchased additional shipping protection for any damages. The item arrived damaged but was accepted. I contacted the seller regarding the issue, but there was no resolution. The seller would not honor shipping protection nor rectify the damages. Contacted PayPal and opened a claim against the seller. Paypal found in favor of the seller. I reopened the claim ( I believe ) 6 times with the same result. I am left with a damaged item and no resolution to make it functional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
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: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank concerning their lack of action in reopening an investigation regarding a chargeback. Despite repeated attempts on my part to resolve the matter, Synchrony Bank has neither reopened the investigation nor attempted to reach out to me for further clarification. Details of the Incident : Transaction Information : Date of Transaction : XX/XX/year> Transaction Amount : {$750.00} Merchant : Amazon Issue Overview : I initiated a chargeback with Synchrony Bank after returning items in the amount of {$110.00} and {$89.00} which where XXXX XXXX to Amazon. Despite providing all necessary documentation and proof of return, Synchrony Bank has failed to conduct a proper investigation into the chargeback. I have made multiple attempts to contact Synchrony Bank through their customer service channels, but I have not received any meaningful response or assistance. Given the seriousness of this matter and its implications for consumer rights and financial well-being, I urge you to intervene on my behalf. I seek your assistance in ensuring that Synchrony Bank reopens the investigation promptly and conducts a thorough review of the chargeback. A complaint was submitted in XXXX which the company closed with no resolution. Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts to uphold consumer protections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
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: I am writing about a dispute regarding a purchase made on XXXX XXXX on XX/XX/XXXX. The purchase amount transaction ID XXXX. The amount is listed below. I never received the merchandise order just a flat empty XXXX envelope which I have as evidence. I have attached all the evidence including the tracking information from XXXX. Please address my complaint and advise. Despite contacting XXXX. Despite all the paperwork sent, I was asked to contact my credit card company XXXX. XXXX agreed with XXXX 's response I received the bag purchased. I have attached a PDF with the envelop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX Order Number XXXX Vendor Order Number XXXX Placed On XX/XX/XXXX Shipped To Order Summary Subtotal {$1300.00} Shipping {$9.00} Total Before Tax {$1400.00} Tax {$84.00} TOTAL {$1400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid my Synchrony Bank account balance in full on XX/XX/2022 for {$95.00}. after a balance of {$0.00} took it to collections for near {$500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93422
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have recently been advised that my Pay Pal mastercard, issued by Synchrony bank, will begin charging me XXXX $ each month for a paper statement. Is this allowed and why? How can they charge me to tell me i owe them? Please respond via phone at XXXX or email at XXXX. This seems like something that should not be allowed. Pleas advise asap, Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received notification from XXXX XXXX that my Care Credit account has been closed on XX/XX/XXXX. I paid off my account in full on XX/XX/XXXX. So I had {$0.00} balance. I am actually not sure when they closed my account as I have not received any notice from Care Credit. I did not receive notification that they closed my account nor did they provide a specific reason other than responding with a general we have process that we follow answer. Three months later they closed my account with no warning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37601
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: CareCredit with Synchrony Bank reported my account as delinquent without any notification. I called them to rectify the situation, I explained to them the situation which they said they were sorry and understood. They agreed to a pay-for-delete letter and said I would receive the letter within 30 days and then I could call back and pay off my card. I waited the 30 days and when the letter came, it said that they were NOT going to remove the delinquent charge off of my credit report. By this point I was then 60 days delinquent and my mortgage lender was telling me not to pay the card as they would not remove the delinquent report if I paid it beforehand. I called them again and told them that they had promised this pay-for-delete letter but the only letter I got was them denying to provide it. Again they apologized and promised that they would send a letter to me and the credit bureaus and remove the delinquent report. I was told to wait another 30 days to receive the letter and then call in to pay my card off. Once I received the second letter, it was the same as the first letter, telling me that they were NOT going to remove it and I was now 90 days delinquent. They have continued to lie over and over again, provide false information, report my account when it should have never been reported ( it's medical debt ), tacked on excessive fees when they shouldn't have, refused to let me speak to managers, tell me that they 'do n't have phones in their legal department ' so I can't talk with them, lie and tell me they don't have a credit department. They will not provide all of my statements from the start of me opening the card, will not provide me with copies of the recorded phone calls for proof that they have lied, robo called me multiple times a day and when I pick up and try to talk to them they will admit that it's an automated phone system so they don't even have my account pulled up in front of them so they can't help. We are in the process of buying a new home and this has destroyed my credit down to a point that we can't qualify for the loan we need now. I just want to be done with them. I just want them to delete the negative report off of my credit like they continuously promised they would do. But because of their constant lies and inefficiency with properly trained customer service reps, I have become 90 days delinquent as I was told to wait for letters in the mail for my pay-for-delete agreement. Once the letters came, it was just more of their lies. They are a terrible business with even worse employees. I was not given adequate information when I signed up for this card and made to feel like it was the only way I could get the root canal that I desperately needed. As a single mom with a limited income, I felt pressured into getting this card. Now I feel scammed and taken advantage of by a company that consumers are supposed to trust in medical times of need. I now know this company has multiple class action lawsuits against them for these exact same reasons, unfortunately I can not join them as my state doesn't have a law that protects me against first party creditors ( which is a whole other issue ). Synchrony Bank needs to be held accountable for the livelihoods they ruin. It should be illegal how they run their business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A