Date Received: 2022-11-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My disagreement is with the Synchrony bank for lowering my line of credit for reporting a dispute over a charge on my Sam 's Club credit card, I discovered that charge that was made at the Sam 's store in Arkansas on XX/XX/2022 by the amount of {$100.00}, I reported the unknown charge to Sam 's Club Synchrony Bank credit card customer service and for that report my credit limit on that card was lowered, the previous limit was {$3600.00} and they lowered it to {$700.00} without sending me a letter why they lowered my limit to spend on that card and I have tried to get an explanation and to date I have not received an answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84118
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account was paid in XX/XX/2022 but still showed late payments over 150 days now affect my credit score and showed to the lenders I have several late payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX my car was stolen along with several cars including my synchrony bank XXXX XXXX credit card I got a text saying that {$440.00} had been used at a local XXXX I immediately called and reported the activity and canceled the card they stated that I would get a temporary credit for the amount that was fraudulently spent on my card I waited about 30 days and the money was still there being reported on my credit as owed I called synchrony bank they said that it takes up to 60 days I waited another 30 days called back and instead of taking the fraudulent balance off they added an additional {$550.00} to the balance I paid the portion of the credit I had used on the card and expected the balance to be XXXX but it is now XXXXXXXX XXXX XXXX XXXX XXXX I called and complained they said that they would fix it within XXXX business days I waited XXXX business days to call back they stated that I need to wait an additional XXXX to XXXX business days for the balance to be corrected and for them to change the reporting that they did to the credit bureaus at this point I feel like they are taking advantage of me and discriminating against me because of my XXXX the first person I spoke to said that normally they put a temporary credit on the account but in my case they did not they actually re-added the balance and now its double the fraudulent activity in my car does reporting over maxed out please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ). Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices. From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello XXXX XXXX here, this complaint is regarding a dispute filed against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute through Care Credit/Synchrony Bank regarding XXXX XXXX XXXX not satisfied. I call XXXX XXXX XXXX two weeks after service done on XX/XX/XXXX that my XXXX were not XXXX as promised they would be. I left several messages and I received no response, and so I filed a complaint with Care Credit on XX/XX/2022. I received several text 's and call 's from XXXX XXXX in XXXX, and when I called her back thinking that they were willing to work with me, instead it was a threat to call off the complaint or they will get there lawyer on me. The final decision was granted in there favor foXXXX XXXX XXXX XXXX XXXX. I was sent an email with a XXXX file that I and Care Credit support help was not able to open file. I was told that they would send it out by mail due to unable to discuss over the phone. I have been calling Care Credit for over three months now, and I still have not received letter of narrative describing why my complaint was denied and giving in the favor of XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Care Credit/ Synchrony is in violation of the GLBA for non-disclosure. They have been notified of the non-compliance and they continue to willfully invade my privacy by disclosing my private- non public financial information. Care Credit/Synchrony is infringing on my right to privacy pursuant to FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have multiple account with Synchrony Bank. When I make a payment they do not post the payment in a timely manner. They wait XXXX business days. What they are doing is playing the float by submitting the ACH payment to my bank and waiting to post my payment until the payment is already at the bank. Just as when you walk into make a deposit in the bank and they post your deposit that day - Synchrony should be posting all payments in a timely manner, not delaying them as they are doing. Now if they want to delay the availability of credit that is within their rights, but they should be posting all payments in a timely and proper manner- not waiting until they have collected the funds from my bank. This is abusive and is hurting many customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Synchrony Bank is still reporting on my credit with three credit bureaus XXXX, XXXX and XXXX that I have a revolving credit balance of {$2400.00}. Synchrony Bank sent me a letter advising me that I can settle my account for a payment of $ {$1400.00}, I called Synchrony Bank to make the payment, however ; they have refused to accept my payment, no payment at all they refused to take. They told me my account was sold, however ; I never received a letter stating my account was sold and I also have not received notification from this agency stating that this debt was owed. Synchrony Bank is who I had the debt with and they have refused my payment ; therefore they should not be reporting a revolving balance on my credit report. They did not indicate on my credit report that they sold my account to another lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Venmo account and I had a balance of {$89.00} to be paid on XXXX XXXX but we had a power outage in the area due to a storm and I ended up paying on XXXX XXXX. Today, I checked my account and they charged me a late fee of {$41.00} almost 50 % of the amount due. This is an absurd! Because of barely one day, they hack up a fee of 50 %?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98272
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon checking my credit report, I notice an account from SYNCB/BrandsMart that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that SYNCB/BrandsMart were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A