Date Received: 2022-10-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had a Synchrony Amazon Card I think that you can use it other places but I don't know because I think I used it once XXXX years ago and paid it immediately. I moved 11 months ago and have been getting emails and texts and calls of them telling me I owe and I called and said i did not use it and cancelled card I did this 4 or more times in the last year. Then I thought I got it cancelled and they " took care of the fraudulent charges '' and I got an email stating that I requested a new card and now I am getting new texts charges and I told them I did NOT request a new card they obviously never took care of the old problems because the charges were around {$50.00} that were not mine and now they have {$300.00} in charges. I have spoken to anyone and everyone at synchrony ( they are in another country the call center and you have to wait at least 30 minutes to speak to a rep ) which I had done NUMEROUS TIMES!!!! I have also reported this to Amazon, but while they were very nice they said the credit cards like Synchrony, XXXX or whatever with the Amazon name has nothing to do with them. I am at my wits end this is FRAUD and it's going on my credit report and I do not want anything to do with this company they need to make sure there are NO cards with my name on it and they need to take care of these fraudulent charges. Thank you for any and all help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
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: Regarding Synchrony for Amazon XXXX I obtained a Synchrony card and there are {$310.00} worth of fraudulent charges on the card. All of the charges are Amazon XXXX charges, including XXXX, XXXX, etc. I provided the company with a detailed list of each charge in writing. I also paid the legitimate balance and closed the account. The company is unreachable, online chat resolution is ineffective. Calls go to an outside call service and are dropped after 15-2- minutes of holding, or transferred until finally dropped. The email section of the website is out of order. I would like the company to research and omit the fraudulent charges and stop sending me bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
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 was charged amount above what my dental insurance said was due, and charged for incomplete work or work that was never done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Complaint : very, very poor customer service response to simple request to change date of automatic payment I am a XXXX-year old Senior lady on fixed income who is unable to pay the monthly charges on Chevron-Texaco credit card # XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX due to unexpected expenses. The name on the card is XXXX XXXX XXXX. After conversation with a lady Customer Service Representative named " XXXX on XXXX XXXX, XXXX, '' we both decided to close the account and I would repay the Statement Balance : {$7500.00} in monthly payments of {$130.00} from my checking account, due on the XXXX of the month until paid in full ( about 60 months ). My daughter, XXXX XXXX XXXX, will share the payments as she was a user of the card, splitting the monthly bills. As it would be easier in planning a monthly budget, I decided to change the payment date from the XXXX to the XXXX of the month. Today, XXXX XXXX, XXXX at around XXXX XXXX XXXXXXXX XXXX time I called Chevron-Texaco at XXXX XXXX ) XXXX and got a female-voiced robot that had trouble understanding me when I asked to speak to an " agent '' " representative, '' " human being, '' etc. The only way I could get the robot to connect me to a person was to use some bad words. The robot connected me to a woman who gave me her name which I forgot to note. She had a foreign accent and was working from home as I could hear a dog barking in the background. I asked her to change the payment date from the XXXX to the XXXX and she was only able to change it for XXXX. Apparently, XXXX XXXX XXXX XXXX was NOT her first or XXXX language and even though I made my request very clear, she failed to comply with my wishes, blaming the " system '' as a phony excuse. I am sorry to say, I was not very polite to her because I was angry that instead of trying to fix the problem, she gave me excuses instead. She had the nerve to tell me to " call tomorrow '' when I was within the time Customer Service is available on week days ( XXXX XXXX. to XXXX XXXX XXXX ). I ended the call by hanging up. I feel I have a legitimate complaint against Chevron-Texaco customer service because : 1. ) A non-human robot continuously ignored and interrupted me, refusing to understand my request to speak with a person until I used bad language. 2. ) When finally connected to a person, I got an individual who used one excuse after another to explain why she could not make a simple change. I am not asking for a reduction in payment, but just a change for the automatic withdrawal from the XXXX to the XXXX of each month. If you wish more information, please call me at ( XXXX ) XXXX and follow the instructions of my phone robot ( placed on the phone as I was getting up to 10 junk calls a day ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: April 19,2017 08 Synchrony Bank {$320.00} account file # XXXX. In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. XXXXSynchrony Bank has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: SYNCB/PPC Account XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$2400.00} Balance Owed {$2400.00} Payment Amount {$0.00} Credit Limit {$2100.00} According to XXXX, XXXX XXXX your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. I thereby and hereby demand to see a copy of the Verifiable, Validated Proof ( a Certified Copy of the original Signed Consumer Contract, copies of copies are not Validation and by Law are not considered Legally compliant proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed from credit reporting. If you are unable or unwilling to provide me with a copy of the verifiable/validated compliant proof that you have on file within 30 calendar days from the receipt of this notice, for the account ( s ) listed above then you must at once remove the account from XXXX XXXX credit reports. I demand the account be verified or removed IMMEDIATELY! The law is VERY clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Account is showing as a charge off/collection. This account was included in my XXXX XXXX bankruptcy filed in XX/XX/2021. I have had nothing but problems with this account and attempted to fix. The company continues to willfully report false information despite being notified by my XXXX of XXXX XXXX This is a violation of FCRA laws. Account information is not accurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
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, Synchrony Bank Care Credit, has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer account 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: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I had opened an account with PayPal Credit, at their invitation, and got approval of a limit of {$1000.00}. After approximately 2 months they dropped my limit to {$300.00}. Without explanation or advance notice. I saw that I had a late payment, but thru my fault by theirs. I had signed up for auto pay. but it did not take properly and their refunded my late fee. But still no explanation of credit limit drop. Two to three months and drop my limit when all other reports are in the positive. Account opened in XX/XX/2022 with XXXX limit and XX/XX/2022 down to XXXX. Last 4 of account number XXXX. This action dropped my credit score XXXX Points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem with customer service
Subissue:
Consumer Complaint: Hello, I am filing this complaint against Synchrony Bank regarding the following accounts I have with this business. 1. XXXX XXXX- {$3200.00} credit limit reinstated and corrected utilization for Credit report 2. XXXX XXXX- {$1000.00} credit issued to balance owed for interest and transactions per Customer service and correction to utilization for Credit report 3. XXXX {$3500.00} Credit limit reinstated and corrected utilization for Credit report 4. XXXX XXXX XXXX - {$4500.00} refund check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A