Date Received: 2022-11-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I called JC Penney 's XXXXSynchrony Bank Customer Service XXXX XXXX XXXX ) XXXX and I spoke to XXXX ( XXXX ) and I advised him that my payment was going to be late. The payment was due on XX/XX/XXXX but I couldn't pay it until XX/XX/XXXX, XXXX said my cycle starts on XX/XX/XXXX and that I would need to pay {$400.00} if I pay on XX/XX/XXXX and I would still need to make a payment of {$400.00} on XX/XX/XXXX. I told him the amount due is {$190.00} not {$400.00} he became very irate and started yelling at me and begun being condescending. He refused to accept my payment on XX/XX/XXXX and I was getting nothing resolved so I asked to speak to a manager or a supervisor, XXXX kept refusing my request he said they're going to tell you the same thing so he would transfer or put a manager/supervisor on the phone XXXX ( XXXX ) times a asked for a manager/supervisor. On XXXX XXXX I called to make a payment I was transferred to a customer service representative I tried to get my account straightened out once again I got know where. On XX/XX/XXXX I spoke to XXXX she insist I pay {$440.00} not the {$190.00}. On XX/XX/XXXX I spoke to XXXX she request I pay {$310.00}, then it increased to {$440.00} then final request offer was {$690.00}. They tried extorting money from me. They then called the credit bureau everyday with inquiries damaging my credit scores in retaliation against me they also closed my Synchrony Car Care account I never paid late nor have I missed any payments just another attack on me, I only found out my Car Care card was closed when I called in to pay my bill and the automated system advised me of that, Synchrony Bank made false statements to the Credit Bureau 's. I don't know what more to do. That Bank has taken over several companies and I'm afraid they will closed the rest of my other cards in retaliation of this situation. They need to be investigated I quite sure I'm not the only consumer they have violated. They also kept raising my interest rates when they were XXXX percent my rates were over XXXX percent. They are unethical in their business dealings. I have sent letters to Synchrony Bank ( all three ( XXXX ) of the addresses in Florida, Utah. Synchrony Bank calls my phone, leave text messages and voicemails everyday but they will not resolve said issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have already filed this compliance which they said they would investigate and they have not. XXXX Synchrony Bank has done massive damage to my credit report by closing multiple accounts with no late payments affecting my credit ratios by XXXX XXXX XXXX XXXXhe last one was my Lowes Card which specifically stated it was closed with a balance because of XXXX past due mortgage payments which has since been corrected on my credit report. I asked them to reopen the account or at least open a new open with the same limit or difference between the limit and what was owed on the other. A representative reached out to me and that is all she did she stated she would look into this and figure it out and then I was ghosted. They have since denined any application from me. I will seek legal action If they refuse to fix this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I used my synchrony XXXX XXXX card to make a purchase at Ashley furniture store. I ended up receiving a refund from Ashley furniture store on XXXX back on this card in the amount of XXXX. The card balance had been paid off for sometime now. So I did not owe anything. I chatted with synchrony on XXXX requesting a refund by check. Was told sure and that Itll take 7-15 business days. Well here we are XXXX ( 15business days later ) and no refund check. Have emailed asking and was told it was mailed on XXXX. I would like my refund as soon as possible as Ive waited the XXXX business days Also I called them again XXXX was told it was mailed XXXX not the original date I was told of XXXX so the XXXX business days will be XXXX. Here we are past the XXXX and no refund check! My synchrony XXXX XXXX has been paid off for some time now. XXXX store has already refunded me on my synchrony card for an exchange on XXXX. So now its up to synchrony to return my money. This is money owed to me and I would like my money asap. How hard is it to return money thats owed? Whats the hold up? Why tell people 7-15 business days for refund to arrive when it clearly wont? Will not use synchrony for anything again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: o/a XX/XX/2022 I contacted Synchrony Bank about some unusual fees and charges on my account and informed them i was disputing those. I never heard from them until I received a letter indicating that my account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Ca o/a XX/XX/2022. I received a letter from that firm o/a XX/XX/2022 indicating that they are trying to collect a debit from synchrony bank. I returned the bottom portion of that letter to that firm indicating I was disputing the debit. This firm never sent anything in regards to the debit until I was served with a Summons from the law firm ; this firm has followed proper billing dispute procedures under federal guidelines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX there was an Amazon Store Credit Card opened in my name that had made a purchase of {$560.00} to an address that was near me but not my home. On XX/XX/XXXX there was another purchase made with the same card to a different state with the purchase of {$970.00}. I had called amazon asking telling them I had no knowledge of these transactions or these cards. They simply returned the money and ask that I call again if there where any issues. Amazon gave me no advice or information on what might happen to the account or card. I then received the card in the mail. I then called the number on the back of the card asking if I could close the account or freeze it, as I had no knowledge of how this account was made or how. They simply did the same thing ( refunded the money ) and asked me to call the bank associated with the card. I could no get a hold of the bank because I needed the Account number associated with the card in order to start asking questions about it. I then Printed My Credit Report to check if any other cards had been opened under my name and address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I deposited {$740.00} into my Synchrony Bank XXXX account and when the funds cleared and were posted I was sent a ATM card that I activated but every time I try to withdraw funds I get a technical error saying come back later. I've spoken with 4 representatives and they just tell me that I'm under review?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Company : Lowe 's Credit Card via Synchrony Bank What Happened : Synchrony Bank closed the account on XX/XX/XXXX due to slow and partial payments during Covid. The account balance was for services to be performed on a property that needed to be remodeled. When Synchrony Bank closed the account, we called to cancel the services. We could not have the services performed on the house during COVID in Pennsylvania that had enacted strict COVID protocols. Synchrony Bank asserted that we would have to cancel the services with Lowes. Lowes claimed that they could not refund the services because the account had been closed. This back and forth between Synchrony and Lowes went on as a dispute for 2 years. After 2 years of dispute with Lowes, Synchrony Bank started deducting {$5000.00} payments from our checking account without so much as sending us a bill or a resolution letter. We contacted the bank and they claimed that our original purchase of {$34000.00} was now over {$57000.00}. We started calling Synchrony and Lowes for resolution. Because we had canceled the services several years prior, Lowes refunded a cashier 's check to us personally in XXXX of XXXX for the services that had not been received for {$20000.00}. We contacted Synchrony Bank on next steps and they instructed us to send them the money and they would review for credits. Synchrony Bank received that money on XX/XX/XXXX. They claimed that they would contact Lowes. They did so but continue to debit our account for large payments towards the {$57000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84107
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 XXXX XXXX closed my account based on inaccurate information on my credit report caused by XXXX XXXX fraudulently claiming debts not owed on XX/XX/2022 which dropped my score to XXXX which was inaccurate. Synchrony closed my account because of the score they pulled on XX/XX/2022 and even though all three of my Synchrony accounts have {$0.00} balances, have never been paid late on and just recently I paid every account off completely they still closed the account. I called them and they refused to reopen the account or email, mail or fax me a way of trying to reopen it. Now my score will be hurt again because of a newly closed account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
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: My husband and I got a consolidation loan to pay off credit cards and started a new checking account with the bank that loaned us the money. My husband went and and paid several cards but made a mistake by adding an extra 1 at the beginning of the account number because we didn't have that account number and he called the bank but accidentally wrote it down wrong. He discovered that he made a mistake after none of the payments cleared. So when the balance showed back up, he then immediately paid the cards he made the mistake on. He then paid them off. The first payments were made XX/XX/XXXX and just today, XX/XX/XXXX we received letters stating that they closed the accounts because we are high risk for payment. So we paid off {$20000.00} on three accounts, Sam 's Club, JC Penny 's and Lowes all with Synchrony Bank. I called Synchrony and they were indifferent and actually quite callus. Took no effort to look at what happen which would have shown we fully intended to make payments but just made a mistake which we corrected. So now my credit report is going to say they closed the account because I am high risk. That is totally unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A