Date Received: 2024-01-08
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: A Care Credit card issued by Synchrony Bank with a promotion involved. My discussions with their employees have been many. On XX/XX/XXXX it was agreed balance should be corrected to {$7700.00}. It was to be done in 72 hrs and reflected within the next 1 or 2 statements. The biggest problem is a customer has to re-exlplain the situation everytime. They do not assign a case # to reference. They will not email or mail a confirmation of discussion and agreement. There is no means to re-connect with the same agent. They claim they cant call or return a call. It is the WORST company for customer service. They rely on notes entered in the customer sccount which have to be reviewed on each call. I have been paying approx {$500.00} per month since the XXXX agreement and my balance is at {$11000.00}. It is ridiculous!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1. On XX/XX/XXXX, I pulled my credit report and discovered how Synchrony Bank has been furnishing non-public personal information such as income and transaction history to third party credit reporting agencies. Such is considered income due to the fact that the reported monthly amounts Synchrony Bank falsely claim is due to them ; are in fact interest/dividend/gains etc., released through the purchase of my note, being the derivative transaction of my tendered, endorsed and signed registered security, due and payable to the consumer. Per the Internal Revenue Service, charge-offs/gains are considered taxable income, and my income is non-public personal information that Synchrony Bank has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. Those entities are 3rd party companies. 2. Due to the said actions of Synchrony Bank, I have faced socioeconomic discrimination in regard to credit transactions and I have been injured by the furnishings ( of my non-public personal information provided to a financial institution ) of the respondent. I have been denied credit and access to my human right of realization pursuant to 42 USC 1981. Pursuant to 15 USC 1681b Permissible Purposes ( 2 ), the respondent was never granted written consent. If in any way the respondent was granted written consent, it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority. The respondent 's unauthorized actions act as unauthorized use of my credit card and the action taken against me has caused emotional damage and distress. It is humiliating and embarrassing being denied my own credit. 3. Extrinsic fraud is an act of deception or misrepresentation outside the event itself which deprives the victim of material information or participation. Failing to inform the account holder [ omission ] of key material facts during the IPO is securities fraud. My original promissory note served as an application. Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. See 12 CFR Subchapter A part 202. 4. Per the FCRA, the term consumer report does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the reportAny authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Synchrony Bank has furnished my transaction history to credit reporting agencies. These actions have caused socioeconomic discrimination against me for I have been denied credit transactions due to the furnishing of the respondent. 5. I the consumer has never received a privacy notice. Privacy notices must be clear and conspicuous, meaning they must be reasonably understandable and designed to call attention to the nature and significance of the information contained in the notice. The regulation does not prescribe specific methods for making a notice clear and conspicuous but does provide examples of ways in which to achieve the standard, such as the use of short explanatory sentences or bullet lists and the use of plain-language headings and easily readable typeface and type size. Privacy notices also must accurately reflect the institutions privacy practices per Regulation P - Privacy of Consumer Financial Information. 6. If the respondent 's answer to this complaint is served upon me by an attorney or any member of the XXXX XXXX XXXX, I would hope they heavily consider their oath whereas it states " I solemnly swear that I will support the Constitution of the United States, that I will faithfully discharge the duties of the office of attorney, and that I will conduct myself at all times with integrity and civility. '' Any action against this oath is misconduct and actionable per se.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Unauthorized Hard inquiry from credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please remove all inquiries off of XXXX & XXXX. It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony has been calling me atleast 3-4 times a day. Going well beyond the 7 calls per week limit. They leave voice-mails every single time they call and I do not answer which over loads my inbox and prohibits important messages from other callers reaching me. The voice-mail is always a recording and it does not state who it is from or the reason for their call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
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: I ordered a supercharger from XXXX in XXXX of XXXX 2023, I contacted TPS on XX/XX/XXXX explained the item they sold me wouldn't work due to they sold me the wrong item. The seller stated I have XXXX options I can be hit for 30 % restocking fee as stated in his email or a store credited. This item was charged on SYNCHRONY CAR CARE ending in ( ... XXXX ). I contacted them to dispute the charge based on me being sold the incorrect item. They declined my dispute and refusing to charge back the company the charge minus the 30 % restocking fee even though I provide them proof the company would. I returned the items back to the seller in XX/XX/XXXX on tracking XXXX less than 30 days of receiving the product. I no longer have any other the items I'm being charged for in over 4 months but being charged for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hello I am disturbed by the fact that JCPenny did not tell me that the interest rate was over 31 %. This is an out right robbery and, although I tried to absorb the amount onto another credit card with a no interest or lower interest rate I was not allowed to do so. Finding out today XX/XX/XXXX about this is very upsetting to me.The person I spoke with stated it was according to the FTC. I did not agree. I hope this can assist me in having this company lower the interest rate. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Carecredit has a system in which you can do a 6 month interest free payment plan. If you have multiple promo purchase charges open they used to apply your full payment to the oldest/one that would accrue interest soonest, which makes sense and is how the customer would want to pay off. Now however, they've switched the system to spread your payment across all the charges. So if you had a {$30.00} expiring promo period and XXXX others not expiring for 5 months and put {$30.00} towards your card it would put {$10.00} to each rather than paying off the {$30.00}, allowing the one not paid to charge interest since the grace period then expired. When working with the company they have informed me that every time I make a payment I will need to reach out to customer service to ask them to allocate the payment to the expiring promotional charge. Every time. This is not customer friendly, but I've attempted to do this and each time they have not followed directions and paid off XXXX and spread the rest ( after being told to apply it to XXXX specific purchases that were expiring soonest for example ). Then when checking back to make a payment later it is seen that the interest has been charged on the payment the customer has assumed has been paid off. In other words, the customer has to keep a keen eye on checking back and contacting again to be sure their payment is done properly or carecredit charges interest that the consumer may not notice unless they checking back. This makes it quite easy to take advantage of customers, especially those who may not be as careful. And as this card is touted as good for medical payments, this can be a large class of people that are easy to take advantage of. This system seems to be set up for carecredit to make money off the interest charges that would otherwise not be accruing. My own payment has been fixed ( after multiple contacts with customer service and escalating to a manager ). I have put in complaints before but they only do it on their end and will not give you contacts to place your own complaint, so I'm not actually sure if complaints are actually ever placed with them or they just tell you they are to keep you quiet. I may have fixed my own issue, but I worry for the people that can't be as careful/on top of their payments that carecredit can take advantage of them too easily, since it does seem to be set up now for that to be the case. I hope someone can look into this as it seems quite predatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Synchrony Bank representing Paypal Credit ( XXXX ) XXXX repeatedly has called me and I have not picked up the phone because I don't recognize the number. The message they leave in my voicemail box is " Hello. Hello. I don't hear a valid response I need to disconnect the call... .. '' I have received weekly calls from Synchrony until I downloaded an app on my phone to silence such calls, and the weekly calls still continued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: My husband and I purchased our first home in XXXX of 2023 and of course we were over the moon but also overwhelmed. Upon purchase we were going to need a brand new washer and dryer and found one at Lowe 's that we really loved. During the closing process I had some people suggest that I invest is a Store Credit Card that we would use exclusively for purchases regarding our new home. When I eventually got the Lowe 's Credit Card I created the account and it came in very handy. We were able to purchase a new washer and dryer and eventually a new dishwasher. But now the card has become the biggest financial burden we have. I noticed I was being charged interest every month but didn't think anything of it as the interest charges were low. I assumed the interest charges were a result of us actively using the card until XX/XX/2023 when we hadn't used it at all and was charged {$90.00}. I called to ask what the going on and was told that as long as I owed money on the card I was going to be charged interest every month until the card was paid off. My husband and I continued to make payments leading up to XX/XX/2023 when I was charged {$190.00} which essentially canceled out the last payment I made on XX/XX/2023 of {$140.00}. I filed a complaint on XX/XX/2023 and I have yet to hear back from them despite attempts to reach out over social media.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80010
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A