Date Received: 2022-11-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XXXX XXXX 2022, I checked my account through synchrony bank for XXXX XXXX and discovered my account credit limit decreased from {$2200.00} to {$1600.00}. Now that might not seem like alot to some but to me and my husband who have other bills to worry about it is. I have been in good standing on this account since it opened. I have made good payments on this account. When I asked the company about why they did this as I got no warning notice at all of this, their response was they pulled a credit check and decided to lower my limit based on that. Now I have had credit cards thru other companies and they NEVER pulled a credit check after I was a established customer. This baffled me that synchrony did this. Then they had the audacity to lie about my credit score stating it was XXXX points lower than my report actually said and stated their decision was on the basis I lacked any mortgage history. I didn't even have a mortgage when I opened the account with the above stated credit limit. They obviously didn't care about it then so why now? Now because they did this my score decreased XXXX points, My card is almost maxed out and my minimum payment went up to where I can no longer afford to pay it along with other bills. Their customer service rep was very rude and unhelpful. I can not even believe what they did was legal yet their rep said it was and they are protected by their policy. They claim a letter was mailed to me XXXX XXXX but I never received said letter. Thank you for any help given.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 670XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 583XX
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: 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: Went to XXXX XXXX XXXX they offered me financing to fix my AC. I then got my vehicle back and nothing was fixed. I continue to go back for them to fix the issue and they would say it would be fixed and it would not be fixed. I contacted corporate they sent me to multiple stores to fix the issue it was still not fixed. I did went to synchrony Bank and filed a dispute and they ruled in their favor even though it was fraud. I also was harassed on XXXX by the business owner XXXX because I filed a dispute. This whole situation has been a nightmare and they refused to fix any issue and actually asked me for more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
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/2022, XXXX XXXX XXXX made a balance transfer to Synchrony Bank of {$2100.00}. They had already sent a balance transfer unknown to me at the time so this was accidentally {$2100.00} too much and gave me an over payment to Synchrony Bank. I then called Synchrony Bank to ask them to return the overpayment. I was told they would do that. I called on XXXX XXXXXXXX XXXX and was told a check was waiting but needed to be approved. I called today XX/XX/2022 and was told that it would be XX/XX/XXXX before i would be getting the check. I told them I could not wait that long because I would now be charged interest on that money from the other credit card and they told me weeks ago it was being sent out soon. I asked them to overnight it or get it here as soon as possible they said 7-10 business days. I had called XXXX XXXX XXXX to see if they could get the money back but it was not possible, the only way was to wait for Synchrony bank to send the money back to me then send the money to them. I feel they have kept my money for long enough and its not fair to keep me waiting like this and being charged interest on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 979XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I contacted Synchrony Bank on XXXX to close my account and transfer {$510000.00} to my XXXX bank account which has been linked to my Synchrony Bank account for XXXX years. I was told i would have the money within XXXX business days. I expected the money by XX/XX/XXXX. On XX/XX/XXXX i called Synchrony Bank when XXXX told me there were no pending XXXX transactions for my account. I was told i would have it by the end of the week. I called again on XX/XX/XXXX I was told it was " in process '' and was being worked on at XXXX and could expect the funds on XX/XX/XXXX. Today, there are still no pending XXXX transactions. Synchrony Bank is holding onto my funds and failing to release them in a timely manner. I have spoken to many people and they don't have anything to say except please wait.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75024
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank closed my account, stating I had late payments, to which I have not. On your credit report a late payment is a payment 30 days or more overdue. My statements will show I have NO late payments. Now they are trying to charge me a late fee of {$29.00} saying my payment was 2 days late. There is NOTHING in the disclosure stating anything about a late fee. I am tired of being harassed by this company, this is unfair practice and bullying You can see by the statements I have attached there has never been a late payment, they are doing this to justify closing my account for no reason. I will get a lawyer if this is not resolved!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My Synchrony card has XXXX options XXXX ) XXXX pricing XXXX ) Regular non-promo charges. A merchant made a charge on the card as a " regular '' charge vs a promo and I have been trying to pay off this balance for several months so to not incur more interest charges/fee. I have called the company multiple times since XX/XX/XXXX and requested many times for them to tell me what the NON-PROMO balance is so that I can pay it off. I have been told that I need to " figure it out myself '' by looking at my statements. I finally confirmed with them on XX/XX/XXXX with XXXX XXXX # XXXX what the balance was and I made an ADDITIONAL payment over the phone to pay this off. She ASSURED me that this would payoff my interest accruing balance. When I go on to their website, it shows that they have applied the amount as my regular payment which will be applied to the PROMO balances first and then ONLY whatever is >the min payment will go to the NON-Promo INTEREST accruing balance. I have sent there another message today, but they do not respond in a timely manner ever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over XXXX credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Started calling me a few weeks ago. I told them we are in a lawsuit against each other and that they need to contact my attorney. The first time I actually answered they said to have my attorney contact them, which I asked the attorney office to do. The second time I actually answered, I told them we are in a lawsuit and they need to speak to my attorney and they said thats not how it works, which is untrue so I hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
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 XXXX XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX XXXX, TX XXXX XXXX # Synchrony Bank ( PayPal Credit # XXXX ). In regards. Case No. XXXX for {$1500.00}. I purchased an item that turned out to be a forgery. I used the card issued by Synchrony Bank ( PayPal Credit # XXXX ). I asked PayPal to assist me in returning it to get my money back as per their money-back guarantee policy because I couldn't contact the seller and he no longer has a shop. PayPal refused to send me a printable shipping label so that I could print it and return the item. However, they sent me the seller 's address in XXXX and asked me to return the shipment to him with my own money, which I did, and after a month, the shipment was returned to me because the address they gave me was incorrect and they refused to compensate me. I called customer service seven times, and the hold times were unreasonably long and inexcusable for more than XXXX hour and XXXX minutes at a time, repeatedly transferring my call. There are numerous reasons for my dissatisfaction with unprofessional customer service that provides no solutions but insists on keeping my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A