Date Received: 2022-11-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A PayPal credit card was opening in my name : account # XXXXXXXX XXXX XXXXXXXX XXXX. Everything was correct for my info except them using my maiden name ( XXXX ) instead of XXXX. They used an email address that isn't mine either XXXX They charged XXXX in fees as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
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 I purchased a XXXX XXXX XXXX Ultra cellphone that was on Amazon.com ( order number : XXXX ) in the amount of {$1300.00} using my Amazon XXXX store credit card issued by Synchrony Bank XXXX On XX/XX/2022, I returned the cellphone to an authorized Amazon XXXX locker and I was given a unique pin code to access the locker. After a week or two I noticed that my credits card wasn't refunded. I called the customer support phone number, and I was told that since it is a larger amount it may take up to 30 days for the item to reach the seller and once the item is received my refund will be process. I waited for another few weeks and then on XX/XX/2022 I called to check on my refund, and I was told the item was never received and I would be responsible for the charges. I then called the phone number on the back of my credit card to dispute the charges. On XX/XX/2022 I faxed a copy of my dispute letter, along with all the supporting documents and the original invoice to Synchrony Bank ( Fax number : XXXX ). To my dismay, on XX/XX/2022 I received an e-documents from the credit card company stating that the merchandise has not been returned according to the seller.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022, I made my first purchase on XXXX XXXX credit card. This card was promoted by Synchrony Bank. The promotional offer was for 10 % discount on initial purchase. The XXXX XXXX store where the purchase was made told me the 10 % discount would be applied by the credit card company. On XX/XX/2022, I called Synchrony Bank to inquire about the 10 % discount. I was asked if I disputed the balance, I said " Yes ''. They responded that the account was now " in dispute '', and I was not required to make payments until dispute was resolved. I was told this could take up to sixty days. Around XXXX XXXX XXXX I received a message from Synchrony Bank. The message was a copy of my purchase receipt. No words, no explanation. I ask Synchrony Bank why I was being billed since the account is in dispute. I was again informed that no payment was due, and that they were investigating my claim. Subsequent e-mails and chats have produced no response to my claim. Currently I am receiving daily electronic notices and snail mail notice that " LATE '' charges have been levied against my account, as well as " INTEREST ''. As of today, I have not received a statement with the correct amount listed. Synchrony Bank offered a 10 % discount to open this account. This discount has not been applied to my balance. I believe this offer was not made in good faith. Synchrony Bank never intended to reduce my balance by 10 %. The tactic they are using - charging late fees, charging interest fees, are a part of their program to intimidate me to just pay and be quiet. I have told Synchrony Bank that I will make payment in full when they provide me with a statement that reflects all purchases and discounts that I am entitled to. Please look into this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I did not use have the services since it was XXXX XXXX XXXX. I called to cancelled but was told it was not possible. I would asked to settle the debt for {$1000.00}. Account Ending In XXXX | Log In Get in touch with us, we'll help you through this Hi XXXX, A friendly reminder that your CARECREDIT/SYNCHRONY BANK account is past due. Current Balance Total Minimum Payment Due Past Due Amount Non-Past Due Amount {$3300.00} {$250.00} {$100.00} {$140.00} Due Now Due XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/XXXX I found out that I was a victim of identity theft someone had take a personal loan of XXXX at a bank called XXXX XXXX via Synchrony bank on XX/XX/XXXX and the made a transaction of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I went through the proper channels at identity theft. Gov I've frozen my XXXX number I've reached of to the bank and all they were able to tell me was someone used my first or last name and changed it and used my SSO number and added their self as the second card holder and a different address but the flaged the account but now the loan is on my credit report I am asking the this matter be looked into I XXXX this information about the loan at XXXX XXXX XXXX the bank number XXXX ( XXXX ) XXXX I've been working on rebuilding my credit but I never made this transaction and it completely fraud thank you for time with this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94133
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Around XX/XX/2022 my boss received several phone calls from XXXX XXXX XXXX on his personal cell phone. He told me they were asking to speak to me and then proceeded to give him a reference number to the collection account as well as the exact outstanding balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85015
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have attached a Debt Validation letter for immediate response. Please read all of the bulleted items that I have requested based of my rights as a consumer. I need this back via Certified Mail. Please not that my name is copyrighted, so please be careful on how you use my name on any document that you send me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Dear Sir/Madam, I was send a letter from XXXX XXXX XXXX XXXX that there is a collection account on my file from Synchrony Bank and that they were collecting it. XXXX and XXXX never provided validation of the debt. In accordance with the FDCPA, I have the right to ask for validation of this alleged debt. This is asking for proof of this and verifying the same. This is inaccurate reporting and has had a detrimental effect on my credit rating and ability to achieve financing. Consequently, XXXX XXXX, XXXX and Synchrony Bank should be instructed to cease and desist from all collection activities until this alleged debt can be validated. In addition I would expect to see this account deleted from all three credit bureau 's and I will take steps to insure that this happens. XXXX XXXX and Synchrony Bank never provided the following : 1. The agreement which authorizes the creditor to collect on the alleged debt. 2. The signed agreement from the debtor conforming to pay the creditor. 3. The documents regarding the payments made on this account validating the amount. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: XXXX. XXXX Hello, On XX/XX/2022 a letter and a check arrived from Allegro Credit, now Synchrony, for a closed account. I had made the last payments to total {$1800.00} on XX/XX/2022. There were three last payments made in XXXX dated : XX/XX/2022 for XXXX, XX/XX/2022 for {$280.00} and XX/XX/2022 for {$280.00}. I tried to log onto the allegro website, at allegro.com to capture an image of the balance and the amount of credit on my account. The site stated that it was closed because of it being fully paid. I called Synchrony bank on XX/XX/2022. XXXX asked for my account 's number, phone number, and which service or product that the loan was being used. I gave all of the answers but they did not have my account within their files. I stated that they sent a check with the wrong amount on it. XXXX said that she would ask her manager and returned later to give a phone number for Allegro.I then called Allegro Credit and was hung up on twice without finding how much credit was on my account. The first person, a female, stated that her name was XXXX or something XXXX, which I asked for her to spell for me. She hung up the phone. The second person at Allegro ( XXXX ), on the same day seemed to have a XXXX XXXX while offering to send a check for {$230.00} at this time. XXXX then asked why I was trying to play games with him, whatever that meant, and hung up the phone. On XX/XX/2022 I called Allegro and spoke to XXXX who stated that the account was closed but did I think that I overpaid them. I stated that when Allegro Credit XXXX closed my account that the check should be the exact amount of credit that was earned on my account. I did not owe anything and there were no fees to be paid. It was closed by them. She hung up the phone. I called back to Allegro Credit on the same day and the lady burped in my ear and hung up the phone. I called one more time to speak to XXXX. I asked to speak to a manager, and XXXX said that there were no managers. He then said that she was talking to two other supervisors, but he could have the manager call me later. I gave him my phone number, as I knew that he was lying and made a report to the XXXX XXXX XXXX. The XXXX XXXX XXXX was not able to reach Allegro Credit and closed the case. At the closure of my Allegro account, I had {$1000.00} plus to be cashed. I had captured an image of {$510.00} in credit from XX/XX/2022. I had made payments from XX/XX/2022 for {$150.00}. On XX/XX/XXXX, I paid {$150.00}. I had paid {$150.00} on XX/XX/XXXX. A payment of {$150.00} was made on XX/XX/2022. On XX/XX/XXXX, I paid {$150.00}. The XXXX of XXXX I paid {$150.00} and on XX/XX/XXXX, I paid {$180.00}. The last payments for XXXX had been listed above to total {$1800.00}. They rarely sent payment notices, but sent a payment book to remit by mail. I paid online, so I did not use either way and finish the payment plan. I need the full credits earned on my Allegro Credit union account sent to me in a cashable legal tender form. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment of XXXX which was the minimum amount to tjx rewards/synchrony bank on XX/XX/XXXX, XXXX usually made my payments on all my credit cards on the XXXX or the XXXX so they can receive payment earlier before the XXXX of each month.Im.never late on any of my payments until tjx/synchrony bank decided to keep my payment and sent me an email stating that I owe them a payment for XXXX for XX/XX/XXXX. XXXX .which was an additional payment and then they raised the minimum payment higher. When I called them I was told by a representative that the payment for XXXX XXXX XXXX was late and that Im paying for the late fee when I made 2 payments for XX/XX/2022 and they were both paid before XX/XX/2022 one on XX/XX/XXXX and the other on the XXXX. When I addressed her about my on time payments I was told they will correct it to call back 48 hrs. Well 48 hrs later I was then told well there is nothing we can do about it you just have to make another payment because you paid before the closing date.when I told them that I was going to report it them wipe clean my payments information so I wouldnt have proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A