Date Received: 2022-11-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I applied for and was granted credit for Sam 's Club, Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. www.synchrony.com The complaint is two-fold Synchrony Bank continues to deny access to credit account to manage payments or verify balances. I have chatted online, called, and emailed on countless occasions with =out resolution, I can not log into my account it only allows me to pay as a visitor and shows balance due only. Annual Sam 's Club dues payment in the amount of {$110.00} was taken from my account without authorization, I had another card on file and authorized, specifically removed because I can not access account. Recent communication by me : Why can't I access and manage my account and have to sign in as a visitor, tried multiple times to resolve, called, emailed, chatting. I only get Sorry we cant access your account at this time taking my Sam 's Club annual dues payment without authorization is unacceptable! Please cancel my credit account. I have had no response to any of my communication attempts : Most recent email reply " Delivery has failed to these recipients or groups : Synchrony for your SAM 'S CLUB MASTERCARD ( XXXX ) The recipient 's mailbox is full and can't accept messages now. Please try resending your message later or contact the recipient directly. '' I would like to have Consumer Financial Protection Bureau contact Synchrony Bank and inquire about giving card holders access to their accounts. Furthermore I would like to have Synchrony Bank contact me directly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2022-11-07
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I sent a dispute letter to the consumer reporting agency on XX/XX/2022. Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. I would like for this account to be removed from my report immediately.
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 explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My wife died 2 weeks ago and she had our Sam 's Club credit card in her name. I now have to get one in my name so I applied. Synchrony bank said I had to get a smart phone and do a facial recognition video or hire a notary to verify my identity. I don't have a smart phone and I find facial recognition an invasion of my privacy. I don't think making people hire a notary is fair to open a credit card. We never had this before. My credit score is over XXXX. I find Synchrony bank to be discriminatory in this matter. I think they are using big tech and A.I. to suppress people. This is based on a phone conversation with " XXXX '' on XX/XX/22.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is an account from Synchrony bank Care Credit. I have given written requests and letters to the bureaus stating i did not authorize this company to pull my report nor make an account now or ever. The account was removed in early XXXX, now is showing up again. This is an FCRA violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33852
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony is a bank that lends primarily to those who take advantage of zero interest accounts for large purchases. I have recently had XXXX accounts closed with them that have such balances AND I have been in good standing all of them. I have never missed a payment, but they dictate that I have a high proportion of balances and therefore not considered a good risk. This is also part of their long game when they lower the available credit limit on the amount they initial approve you for AND they also use the recalculated XXXX score that was made by their lowering of the credit limit. It's unfair to approve someone for an entire amount, they agree to the terms of zero percent for financing the purchase ( often the purchase amount is higher because of the merchant fee they charge ) and then charge interest now for saying the account is in default on an account they closed when the account was in good standing to begin with. I do feel this would violate areas of Regulation B.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XX/XX/XXXX I ordered furniture from XXXX XXXX who offered me credit from XXXX XXXX XXXX XXXX Synchrony Bank, I accepted the credit offer since they would not charge the card until furniture was delivered, which should have taken no more than a month to be delivered. I checked in with the furniture store a month later to find out the status of my delivery only to find out that they have no idea when the furniture was going to be delivered, according to XXXX it could be XXXX or XXXX of the following year, immediately I sent her an email stating I wish to cancel order immediately because I can not wait that long for the furniture. I then called Synchrony Bank and asked them to cancel credit card. XXXX XXXX reached out to me asking me to reconsider keeping the furniture and my response was the same cancel the order. In XXXX of XXXX they attempted to deliver the furniture to my home which I did not accept. They then charged the credit card almost {$800.00} for restocking fees and Synchrony Bank paid them. I have reached out to the bank several times and discuss the issue with them and sent all communications with the furniture company to them as well. To date they have not and refuses to remove it from my credit and obtain the moneys back from the company. Instead they told me the credit card and the bank have an agreement so they are unable to resend it. This all happened after I have already called the bank prior to them delivering the furniture. When they finally cancelled the order they returned half of the funds to the credit card company instead of all of the funds. They claimed the rest of the funds were for restocking fees, ( see attachment # XXXX ) there should not have been a restocking fee because order was cancelled way before furniture arrived at their warehouse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX PayPal hard inquiry. I didn't apply for it XX/XX/XXXX XXXX XXXX XXXX hard inquiry not my account XX/XX/XXXX XXXX hard inquiry not my account XX/XX/XXXX PayPal hard inquiry not my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made a purchase from JC Penny on XX/XX/2022 and was billed for payment due on XX/XX/2022. I thought that by law billing payment cycles are at least 21 days. I paid the bill because I didn't want to have a late payment on my credit report. I also read Synchrony Bank terms for credit card holders and it quotes that billing cycles are from the XXXX to the XXXX of the month, or from mid-month to mid-month. ( Your credit card statement will outline the billing cycle and terms. ) are XXXX thru the XXXX of the month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy 15 US WSC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions on the 15 US CS1666 be a creditor may not treat a payment on credit card accounts under an open and consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80831
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I purchased furniture from the XXXXXXXX XXXX XXXX store in XXXXXXXX XXXX I was offered 24 months free financing from their bank, Synchrony. We ended up returning a piece of furniture and replacing it with something else. In the end, I had XXXX interest free promotions on my account, XXXX for 24 months and XXXX for 6 months. The 6 month promotion had a starting balance of about {$1100.00}, so I paid synchrony {$200.00} / month to pay off the 6 month promotion in 6 months. I was recently hit with over {$250.00} in interest charges. When I called Synchrony, they said that my payments were being applied to both promotions, so I did not pay off the 6 month promotion. I was charged 30 % interest on the full balance from day XXXX ( over {$250.00} ). Synchrony was unempathetic and rude when I called. This was not made clear to me when I was offered the financing. The statements from Synchrony do not clearly state how this works. There is also no option to pay off the promotions separately. They are lumped together on the statement. This practice is deceitful and designed to mislead consumers. Additionally, while the interest rate may be allowed by law, 29.99 % is also obscenely high.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A