Date Received: 2022-10-19
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I enrolled in an interest-free credit card with Synchrony Bank XXXX XX/XX/XXXX for a three-year period for furniture purchases ( XXXX XXXX CO / SYNCHRONY BANK XXXX XXXX Despite the promotional interest-free designation, they charged me 30 % interest. I sent an email in XXXX alerting Synchrony to the issue and they agreed it was an error and claimed they would reverse the interest charges - I never saw the interest charges reversed. I checked the portal again in XXXX and saw that interest was continued to be charged at 30 %. I spent ~an hour on a virtual chat and despite numerous attempts was unable to have my claim escalated or receive notice that the appropriate parties were alerted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63108
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fare credit bureau act this creditors SYNCB/Belk/Dual XXXX XXXX XXXX has violated my rights, under 15UCSC 1582 section 602 stating I my rights to privacy, 1581a section 1604a section 2 a states that a consumer reporting agency can not furnish an account with out my writing instructions, 15USC 1666b states a creditor my not treat a payment on a credit account card under an open and consumer credit plan as late for any purpose. I want it to be removed and bill canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31525
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call everyday, sometimes twice. I dont have the money. It needs to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for a credit card with XXXX Account. Synchrony Bank is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Synchrony Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Problem when making payments
Subissue:
Consumer Complaint: Call last month XX/XX/2022 to make payment, but it was late at night and I needed a few more dollars to make payment, the agent for XXXX realizing it was late at night agreed that if I paid by the XXXX I would not be charged a late charge, which I did and I still am being charged a late charge. I asked for them to listen to the call from that night and they that what I was saying is correct. They promised to do so and get back to me, but couldn't give when it would be, in the meantime I would have to pay the over charges and if I'm right I would be refunded the over charges, that's not good enough, I should be compensated for all I've gone through. I went by what I was told. I also asked for a copy of the phone call I made on XX/XX/2022. How do I file a complaint, can I begin a case for damages with you. I hope this complete if not contact me at XXXX or at XXXX. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received 2 certified letters supposedly from Paypal Credit that are shown to be a credit card statement. I have a XXXX account but not a Paypal credit card. The first letter was received XX/XX/XXXX, the second XX/XX/XXXX. They are identical. The account id shown XXXX is not me. I called the XXXX number at the bottom of the sheet and was connected to help. Due to the poor quality of the connection, no information was transferred. I then looked closer at the documents and grew suspicious. Trying to contact Paypal Credit through their " help '' line number shown on their website was no help. Their automated call system wanted my SSN to find my account which I don ; t have. My conclusion was I couldn't work with Paypal Credit to resolve this. Again, this is not my account. I don't believe this is a legitimate document from XXXX. I have uncovered a similar complaint on the web with the same XXXX account Id. This is the link to that complaint. https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
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/22 I made a purchase at the XXXX XXXX with the XXXX XXXX XXXX. It was for a phone and XXXX XXXX plan for {$1000.00} and {$19.00}. I was unhappy with the purchase and returned the phone to XXXX. On XX/XX/22 XXXX XXXX issued a refund of the original purchase to the card I used for the purchase. Synchrony never applied the refund to my account. I verified the refund had been issued by XXXX XXXX and then contacted Synchrony. I initiated a dispute and received my first response on XX/XX/22. They issued a refund for {$19.00}. I followed their procedure when a dispute is not resolved and submitted a fax of the email showing the refund for the full amount had been issued by XXXX XXXX. On XX/XX/22 I received an email stating they would not be issuing a refund because " According to our records, you entered into an agreement with the merchant for the charge in question. As the merchant sets the policies regarding cancellations or refunds, please contact the merchant directly for any additional questions. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Synchrony Bank JC Penny account balance is currently around {$900.00}. However, this information is not correct on all three of the credit bureaus where they are showing a balance of over {$6000.00}. Since XXXX of 2022, I have contacted Synchrony Bank numerous times and have filed a dispute through the proper credit bureau 's channels, which is now closed. To further complicate matters after speaking with Synchrony Bank in XXXX 2022, the account balance went from over {$6000.00} to {$7000.00}, and an immediate decrease in my credit score. This inaccurate information has caused me to have several declined requests for credit with the most egregious being refused living accommodations for a XXXX XXXX veteran.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and XXXX to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently Syncrony bank. I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me. I have also placed credit freezes with all three credit bureaus. My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10. XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Synchrony Bank manages two of my credit cards- Lowe 's and Amazon. Up until late XXXX, I would log into one card and see only the information for that one card. In late XXXX I logged into one of the cards and both cards information showed up. On XX/XX/2022, I called Synchrony Technical Assistance and was advised there was a new feature " account manager '' and if I didn't want to see all my credits cards Synchrony manages, I had to toggle the button to " off '' before logging into each account. I did that. Now several weeks later, I go to log in and the toggle is back in the " on '' position. On XX/XX/2022, I called again and told them to fix this problem, as the toggle should always be in the " off '' position and if someone wants to have their information co-mingled, they should toggle to the " on '' position. I accused them of co-mingling my private information ( i.e. user name and passwords ) from two separate companies together without my permission. Who's to say that one credit card company would not accidentally get the information about log in and password for the other company??? Synchrony claims they have the right to put multiple accounts under one umbrella. I DISAGREE. My information from one company should not be lumped together with another, as I said SEPARATE USER ID AND SEPARATE PASSWORDS. It would be if I were an accountant and had a client with separate businesses and then lumped them together in one reporting to said client. THIS IS WRONG. They are not willing to see this is wrong and fix it so the account manager feature stays " off '' and you would be required to turn it " on ''. I advised them that this would cause me to cancel these store credit card accounts and tell everyone I know about their practice to automatically violate our privacy without our permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A