Date Received: 2022-11-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In my previous complaint with this company, they stated the inquiry that is reporting on my consumer report will be deleted as they determined it was not authorized by me. Synchrony has failed to communicate with the reporting agencies to have this inquiry deleted as they said they would. I am demanding the deletion of this inquiry as it dropping my credit score and injuring me financially.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX ) I did set up Automatic Payments to cover the full balance every month. I did it with this credit card the same way Ido it with every credit card as soon as I open the account. I do the same with every utility bill or any loan. XXXX ) The Credit Card Company never sent me a statement indicating me there was a pending balance. XXXX ) I willingly used this credit card only when I requested it because of a promotion on XXXX. I paid for that purchase. I have another credit card set as the primary payment card to make purchases. XXXX ) Synchrony claims that I used this credit card and became delinquent for {$6.00} in XX/XX/XXXX, and {$7.00} in XX/XX/XXXX. I never authorized those purchases. They claim I did not pay those statements and they reported me to the credit bureaus, as a result, my credit score decreased by over 100 points. XXXX ) I have never been delinquent on anything. XXXX ) I called Synchrony to complain about the use of this credit card and to request the documents proving I had an automatic payment set up on my account. they refused to do it. I paid those charges and I closed the account as soon as I found out about this issue in XX/XX/XXXX. XXXX ) Synchrony is refusing to remove the delinquency they placed on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Got a letter in the mail from XXXX XXXX XXXX saying I owe and they are collecting for synchrony bank. I called and reported a fraud claim because I never bought anything from the company they are claiming the debt came from. I called again because who ever opened this account used my maiden name and when I tried to get in the account online with the information on the paper I got in the mail I had to use my last XXXX numbers of my social and when I put them in it didnt recognize them. So I called synchrony bank and they passed me around and couldnt even find an account. Then said they found my account but none of the information matched the paper from the debt collector. So an hour of no one telling me anything or helping me they hung up on me. Now I am writing to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022, Synchrony Bank requested documentation of three payments I made related to the dispute. On the same day, I faxed my bank statements that included the payments. On XX/XX/2022, Synchrony Bank requested letters from my bank detailing the payments. I faxed the requested letters on XX/XX/2022. Shortly thereafter, I spoke with a manager named XXXX, with a XXXX, not a XXXXXXXX said. He said that XXXX of the XXXX disputes had been resolved. The third dispute was in escalation status. He assured me there would be no adverse credit action taken until the third dispute was resolved. The managers I spoke with before and after talking with XXXX said the same thing. However, on XX/XX/2022, I called again because I continued to receive more than a dozen emails and collection phone calls. The first representative, XXXX, explained that none of the XXXX disputed payments had been resolved contrary to what I was told, and to allow up to 90 days. She also said beginning XX/XX/2022, it would be reported to the credit bureau as late despite their policy printed on the bank of each statement. She transferred me to a Customer Service Account Manager named XXXX who repeated what XXXX said. He explained that as of XX/XX/2022, my disputes were pending case review. He also said a People Manager would call me back. XXXX called me back but offered no resolution or way to expedite the review. She said someone would call me back, but no one has called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
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: Hi. Thanks. Having issues with Amazon Store Card issued by Synchrony Bank. Making payments and one {$170.00} that went okay but the other {$85.00} was rejected and instead of notified that it happened and me making other arrangement and they decided to credit it and then take it away like I made a purchase of {$85.00}. And not only that but they said that I made a {$87.00} payment which I did not made. And did the same as the {$85.00}. Told them i only made two payments in the app. {$170.00} and {$85.00}. Not {$87.00} in the website where they said that I did. So credit again like a purchase and then take it Back. Made no sense but ripping me off. By {$170.00} plus interests charges of $ XXXX {$18.00} on that purchase. Errors and mistakes with them since XXXX until now so need my 3 months of my time dealing with this which comes up to {$45.00}. Photos do not lie. The photos show that error clearly. XXXX XXXX XXXX to XXXX XXXX two payments not three. They added a payment of {$87.00} in between. What more worst they have it like a purchase. Also had recording of calls made to them not only photos. Appreciate all the help you can give me. Thanks. XXXX XXXX. Card ending in XXXX. Supposed to transfer to a new card as promised when started the fraud investigation but new card they send is not good. They keep the XXXX and continue denying my claim. They keep playing around with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/1922 I received correspondence from PayPal about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. PayPal informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX PayPal is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if one was suppose to have been opened on XX/XX/XXXX when I called them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a Paypal account and there were charges on it I did not do. I do not have the dates cause can't get into the account because I closed it. They have sent a delinquent payment to the credit bureau which has caused my credit score to drop over 55 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I made a purchase back on XXXX XX/XX/2021 XXXX purchase several furniture items from XXXX XXXX XXXX including a sofa love seat, Coffe table, lamp, and a swing chair XXXX and lamp was XXXX. I return the Coffe table and I receive a credit from XXXX XXXX XXXX, I refuse delivery of the sofa and love seat as they were damage The Synchrony credit card in total {$2600.00} and XXXX XXXX XXXX refuse to credit me back a total of cash paid XXXX. I have gone to the furniture initially to discuss a refund he was so upset for asking my money he refuse and told me he was broke the store is not making money he just got back from vacation/ his county and his father past away therefore he will not refund me any money. I contacted the credit card company I was told 3 times they found favor in XXXX XXXX XXXXXXXX XXXX because the saga and love seat were special order but what I got were floor models
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
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: My name is XXXX XXXX I am a full-time XXXX student, I recently bought a washing machine from XXXX XXXX after canceling the delivery 3 times they came with the product for delivery, as soon as they put it in my unit and tested it the machine started to make a clicking sound and the dryer shakes horribly. So I asked the tech to take this back he said he can't I will have to make an exchange request and they will come and replace it but he will go and inform the relevant department to come and schedule. when I didn't hear anything for a week I contacted XXXX XXXX and they said it's been over 15 days SINCE THE ORDER so now they can't take this back all they can do is replace and exchange. i was already frustrated with their service so I told them I need u to pick this up .. because I can always order from XXXX and get the same product delivered the next day. the present condition of the machine is I can't explain as the tech said not to use it as it will be replaced.. but I still did to see what was going on the washer makes a loud clicking noise as in something inside is broken and the dryer shakes horribly during drying. I want them to take this machine back and give me my refund. i was not able to submit my response without a picture ( problems are mechanical and a photo won't capture ) so am attaching a random picture just for the response to go through. on XX/XX/XXXX I opened a dispute with XXXX, Just today they contacted me with the decision saying " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we did not receive valid proof or tracking that you returned the merchandise '' i have sent them so many screen shots with my conversation with XXXX XXXX they are not responding to my concerns at all they have promised 2 times they will comes to pick it up but they did not. i have a broken washing machine and dryer now and it is of no use. I did my part as a customer to involve my bank as soon as possible and kept them updated. the bank asked me to send them a tracking number, I explained how XXXX XXXX works is they deliver and take returns by them selfs how can I take a whole washing machine and a whole dryer and ship it myself and provide the tracking number? i don't even have the XXXX XXXX address I sent them my conversation with the XXXX XXXX where I asked for the address because I want to send the merchandise back they did not respond. Please Please help me. XXXX does not even have any one I can speak to on the phone they only do messages dor the dispute department and that takes for ever. PLEASE HELP ME I AM A STUDENT I DONT HAVE MONEY FOR BROKEN MERCHANDISE PLEASE PLEASE. case number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with monetary relief
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: XXXX continues to not adhere to the laws set in place to protect consumers and need to be held accountable. I have asked on multiple occasion for your company to verify my alleged account and you have failed to do so. All I was was provided was a bunch of statements. I asked that you provide the specific methods in which you used to verify the alleged account. I was was sent a packet of statements as well as was told they DO NOT have a contract on file for me. No contract is grounds for deleting the account as they have no proof that I agreed to anything. And if they did have a contract, per the judgment in the XXXX XXXX XXXX XXXX XXXX, the Consumer Contract is not sufficient evidence of a debt. I hereby give your company notice pursuant to 15 USC 1602 ( k ) that your company never provided me an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the cost of the alleged credit and the only evidence of the indebtedness was a computer generated agreement which you don't have. Since adequate notice was not given as per the above-mentioned section, I couldn't understanding the meaning which is a violation under 15 USC 1602 ( k ). Also, 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 possibly ( debt has yet to be proven mine ) made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end I have not benefitted from this transaction which is again 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 from which the cardholder receives no benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A