Date Received: 2022-11-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: previously disputed SYNCHRONY BANK, account with a balance of {$2100.00} because its factually disputing incorrectly on credit report. I strongly disagreed with the results. XXXX is reporting account type open with comments stating collection account yet payment history XXXX as agree all the way. XXXX is reporting account type installment and account type detail Debt buyer with consecutive charge off all the way from XX/XX/XXXX through XXXX XXXX XXXX XXXX reports account open with no data on payment, history. Date last active for XXXX reports as XXXX while XXXX XXXX report XX/XX/XXXX and XXXX reports XXXX. There is no way that account can be reported as open with one bureau while the other bureau is reporting collection and theres definitely no way that account can be reported open and being in collection yet perfect payment history all at the same time. Account is a total mistake itself. There is no way that all three bureaus can be right if information is coming from the same furniture data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received statement from PayPal Credit XXXX Synchrony Bank ) I never opened this account but, according to their fraud dept, it was opened in 2018. Statement shows balance of XXXX. I contacted XXXX and informed them of the problem. Also, I have never used XXXX in any manner. Ive never had any type of account with them. They say they closed the account and I expect to receive a letter from them within the next 10 days. At this point, they are not holding me accountable for the money. However, I did receive this statement which has my correct name and address on it. I am trying to make sure I do all I can to protect my identity and credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78230
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account from XXXX XXXX was paid already and they don't have any reasons to keep reporting it. Also this inquiry from SYNCB/AMAZON XXXX XX/XX/2022 was not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Under the Federal Fair Credit Reporting Act, I would like to file a consumer complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX FL XXXX. On XX/XX/2022 the Synchrony Bank denied my online credit application and stated it was based on low XXXX score and credit history. I pulled from XXXX XXXX on the same day to check for accuracy. My credit and XXXX score did not match what Synchrony Bank letter. The bank has pulled false information unrelated to my credit. My credit history and score is above average/high. Please investigate Synchrony who should not be in business. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: continue to call countless times throughtout day. Already settle pay arraignments but still calls to collect debt. Ask to stop calling multiply times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid for the Lowes credit card. It is the store Lowes credit card. They started the {$150.00} payment did not go through on XX/XX/XXXX. I spent the bill on XX/XX/XXXX when I got my social security, and the bank stated the payment was approved and was paid to Lowes. Lowes is refusing to accept this information from my bank. They closed my account WITHOUT my knowledge. I always make my payment ; I always make more than required. I pay anywhere from XXXX to XXXX every month when prices are only XXXX a month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59602
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: on XX/XX/2022 I received an email about my Synchrony XXXX. It informed me my payment was late. I have all my credit cards set up on auto pay. I checked my credit card account to see if it was setup for autopay. It had XXXX as the account number for my XXXX XXXX it should of been XXXX instead. I went in and paid the owed amount of {$170.00}. Then Synchrony closed all my accounts through them they closed XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and Synchrony Master Card. Spoke with Synchrony told me the closed the accounts because of that XXXX credit card. Never been Late on any of these cards except for the XXXX XXXX, I believe it was Synchrony who set my auto pay up. I gave them the information. The girl said my accounts where closed because of the wrong account number. I checked all my other accounts with Synchrony and they have been paid the ones that are XXXX. How can you close an account I have never been late on the mistake is corrected. I believe I just turned XXXX on XX/XX/XXXX and I think they are doing this because of my age,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I made a payment of {$260.00} to PayPal Credit. My XX/XX/XXXX statement listed a XXXX balance of {$480.00}. During the month of XXXX, I charged XXXX purchases totaling {$170.00} called " standard purchases '' that are accruing 26.99 % interest. My entire payment of {$260.00} was applied to the no-interest balance of {$480.00}. This balance will not begin to accrue interest until XXXX of XXXX. The Card Act of XXXX requires that credit companies apply any amount over the minimum payment to the highest interest balance, which means that at least {$230.00} should have been applied to the high interest purchases. The XX/XX/XXXX statement that I have attached shows that the new no-interest balance is now {$250.00}, meaning my entire payment was applied to that balance. I contacted XXXX on XX/XX/XXXX and spoke with a customer service representative located in XXXX and she did not understand what I was saying regarding the law in the United States. She told me that when I make a payment, I have to CALL XXXX and ASK them to apply the payment to the higher interest balance. That is not my understanding of The XXXX XXXX of XXXX, which requires them to apply any additional funds to the high interest balance automatically- the consumer does not have to call the company to ask that they follow the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was applying for a paypal credit card to see if I could buy necessary car parts on XXXX. I filled out the credit card form and was informed I was declined due to having little to no credit. It left a hard inquiry in my credit report that I was not sure it would have that affect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Account with Synchrony bank was opened in XXXX for a promotional purchase. In XXXX I called to renegotiate the debt with Synchrony and I was placed in a COVID19 Recovery plan and part of the plan was to close the account, no late fees charges and no promotional fees and to complete and for me to continue paying the original debt. The debt contract was extended for 3 more years after maturity date of the contract and the monthly payment was negotiated to be XXXX XXXXXXXX a month. In XXXX I made multiple payments and by the statement of XX/XX/XXXX was owed approximately {$250.00} dollars. In XX/XX/XXXX I received a statement for approximately {$1600.00} and I immediate contacted Synchrony Bank and explained the situation. I was informed by a customer service in a recorded line that they noticed that account was placed in a COVID19 Recovery plan and they saw the notes from the last representative. I was informed that the incorrect amount of interest added into the account would be removed and it would show in my next statement and that I only had to pay for {$250.00} that I owed due to the verbal contract ( COVID19 Recovery program ) we agreed over the phone earlier. In XX/XX/XXXX I received the statement and the changes had not been made I called and spoke to multiple people and continue to call and speak to managers. I was told in a recorded line that no changes had been made and corrections had been made by the last representative in XX/XX/XXXX and now my account was late for {$1600.00} dollars and it was late in my credit as well. I continued to call and opened cases in my profile. I was informed that someone from Synchrony Bank will contact me to resolve the issue and someone left me a message and immediately closed the case and never resolved it or investigated. Synchrony bank has a lot of miscommunication within their bank, their customer service do not provide the correct information and omit information. Synchrony bank also has a lot of operational issue and due to their lack or inappropriate information and operational issues and their incorrect reporting to my credit, this has provided me financial hardship issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A