Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Synchrony is reporting a incorrect credit score, XXXX, my score is XXXX. This company is creating hard inquiries on my credit, but advertising that it wont effect my credit, when in fact, it has.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39042
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, 2022, I request that my information be checked because of some suspicious activities. I reported this information to Synchrony Bank for my Lowes XXXX card, Discount tire and Rooms to go. Someone has committed fraud on my account. Using the consumers to create and purchase item under my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been having an issue where bills post far too late into a cycle for my own comfort. While the due date is always the XXXX of each month, and payment made after the due date and before the bill is posted gets reflected to the previous month so there have been occasions where I have been " late '' because I paid too early. This is problematic because I shouldn't be considered late because I pay before they want me to. As best as I can gather, they generate the bill on the XXXX of each month which I then can see by the XXXX of each month. Even if I always saw it on the XXXX though this date is not always legal. " Under federal law, a credit card issuer must establish procedures to ensure that statements are mailed to cardholders at least 21 days before a payment is due.However, sometimes there may be a delay in mail delivery, resulting in your statement arriving later than usual. '' In practice this means that on the date that the bill is posted to the account the bill must be due in 22 days or more since " 21 days before the due date '' is the same as saying that the due date is in 22 days. On a month with 31 days, having the bill post on the XXXX means that I will have 23 days. Scummy, but legal. On a month with 30 days I will have 22 days, but since I don't always get to see this when I check on the XXXX ( possibly because of the time they post it? ) this isn't always legal since the law isn't about when they generate the bill, but when they SEND the bill, and since these bills are sent electronically there is no allowance for a time delay like they'd get with a printed bill. Of course, on a month like XXXX which has XXXX or XXXX days they are always in violation. If the bill posts on the XXXX of XXXX I will only have XXXX or XXXX days to pay ( depending on what year it is ) which in either case is less than XXXX days and is therefore illegal. I tried reaching out to them to request that they make my date post earlier in the cycle mentioning that I know people whose bill posts a few days earlier which would always be legally compliant, but I couldn't get anywhere. I tried their secure message system, but aside from only having a limit of 500 characters I am unable to send any messages to them ( whereas I can through XXXX 's system ). I just get the error, " There is a problem with the information you provided. Please go back and try again. '' no matter which browser I use. I tried their chat system as well. First I encountered a bot with only 6 available responses and would only ever say : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' But eventually it transferred me to what I thought was a real person, but half of what I said would get cut off and the AI would again say : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' Which indicated, to me, that I was still talking to an AI. I had to copy and paste repeatedly to get anything to go through and in the end the bot couldn't help me anyway.
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: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: PayPal won't allow me to close my account. I tried to buy a XXXX toolbag and a scammer never sent it but PayPal stated they did by regular mail. I was sent no Email or tracking for the bag. I have the United States XXXX XXXXXXXX XXXX and it showed nothing delivered I screen shot it and sent it but no response. So I paid it and tried to close the card but instead they charged me for a physical card for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This JCPENNY account is paid in full in XXXX and reported to my credit as late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: Synchrony Bank XXXX XXXX ) has failed to report a closed account, issued a " check '' in an effort to trap me into bank fraud & has failed to refund a hot tub sold by someone on XXXX because both companies are corrupt. {$750.00} compensation & many violations need/have occurred
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed this debt on my credit reported I disputed the debt as it is not mine and yet it still has not been removed. I have contacted the company in XX/XX/2022 asking for a copy of my information which they could not provide me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a letter from Synchrony Bank saying they received a credit report with XXXX Rewards card inquiry from Synchrony Bank that I did not apply for. It has tarnished my creditworthiness and lowered my credit score. After reaching out to the bank to let them know I had not made the inquiry for the card I was met with incoherency and denial the bank sent me the information dated XX/XX/XXXX, I received the latter from the bank on XX/XX/XXXX 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
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: XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. XX/XX/XXXX - XX/XX/XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. SYNCB/AMAZON ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Synchrony Bank is emailing me, texting me, calling me every day about past due payment. this is harassment. I have until a certain day to make a payment, but they still aggressively contact me and this has to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A