Date Received: 2024-01-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I contacted Synchrony about my Ashley Homestore credit card. I had a promotional purchase that waived interest if paid in full by a certain date. I paid the remainder of what the bill said to pay, around {$750.00} in XXXX. My account then had fees added and when i called XX/XX/2023 they told me that i still had {$1.00} left on my promotional amount. I told them i paid it in full. They said that because i didnt CALL THEM to tell them how to allocate that payment that it didnt go fully to the promotional amount ( may have gone in part to a late fee from a prior month ). By not paying the {$1.00}, i was charged {$750.00}. I ended up settling for {$300.00} but its ridiculous that they added so much to a bill that essentially had a dollar left on it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60202
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company closed the account prematurely we already made arrangements and also paid on this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've had a Paypal account for a long time, including a credit card and credit line. During this time, my account has been linked to XXXX XXXX for payments. For some reason, these accounts became un-linked several months back. I attempted numerous times through the Paypal website to link the accounts again, and kept getting an error message. I contacted XXXX XXXX, who told me they showed no attempts from Paypal to re-connect the account, and the issue was on Paypal 's end. So I reached out to Paypal, many, many times, via e-mail, their chat option, and by phone. Their customer service agents were unhelpful and usually told me some combination of a ) they couldn't help me, and b ) I needed to go to their website to link the accounts ( which wasn't working ). There were also multiple times where I couldn't get ahold of anybody, and times where their agent would tell me they were transferring me ... and then the line would just disconnect. Nightmare experience, and in the meantime, I was racking up a huge amount of late fees, penalties, hits to my credit, etc., and their collections dept. started blowing up my phone trying to collect ( even though I was trying very actively to pay! ) Finally today, after months of this, I got ahold of a very friendly and helpful lady at Paypal, who quickly identified a simple issue in their system and fixed it in about 10 seconds. It was basically along the lines of " oh I see here, you're not connected to XXXX XXXX in our system. There you go, I've fixed it. '' I have no idea why none of her colleagues could do this during the previous phone calls, although I could guess. Many of the agents I'd spoken to were unfriendly, and didn't appear trained or empowered to hep resolve my issue. So of course my next question was, how do I get the late fees and such taken off, since this was clearly a Paypal issue? Multiple transfers and phone calls later, I get ahold of a Paypal supervisor, who again was unhelpful, and not empowered to help in any way. What a nightmare experience!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: To Whom it May Concern, My name is XXXX XXXX Ive been a customer for some years now and I can not believe how I was treated after coming back from XXXX on my trip. I contact tj max rewards card regarding removing a late fee and no help at all. I also started to receive multiple fees which I have no idea where they came from. After login in everyday the charges changes. This is unacceptable and I would like a fair share of removing the 30 day notice off my credit because this was not my fault after being away. As you can see I am always on time with my tj maxx card. I am an excellent customer on payment and on time as you can see. Thank You!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Last summer my dog needed an expensive XXXX, so I opened a Care Credit account with Synchrony Bank to help pay for it. This was considered a 'promotional purchase, ' and if I paid off the entire balance by XX/XX/24 I wouldn't be charged interest fees. If I didn't pay it off by then, I'd be charged interest on the entire purchase. I also made XXXX additional 'promotional purchases ' at the vet later, one expires in XXXX, the other in XXXX. I made a {$520.00} payment in XXXX, paying off the first promotional purchase before the expiration date in XXXX, avoiding interest fees. I have screenshots of the account, showing the balance on that purchase was {$0.00}, and the status was PAID OFF. These screenshots are from the expiration date, XX/XX/24. If any further payments were required on that balance then they would have needed to tell me, so I could make the additional payments on time. But no, the balance clearly said {$0.00}, and the account status was PAID OFF. I logged into the account days later and saw that they transferred my payment from the balance that expired in XXXX to the balances that expire later. Now, since there is a balance on the purchase that expired in XXXX, I will be getting hit with interest fees. This is not right, as I paid off this purchase in time, and have proof that it was marked as PAID OFF. I sent customer service a message, providing them with the screenshots that prove I paid off the balance in time. I asked them to restore the status on that balance to PAID OFF. I also asked for an explanation of why they removed my payment from that balance. They did not fulfill either request. I am attaching the screenshots, which show that I paid off this balance in XXXX, and that my balance on the expiration date ( XX/XX/24 ) was {$0.00} and marked as PAID OFF. In summary : -My balance was due in XXXX, I paid it off in XXXX. -On the expiration date, the balance on this purchase was {$0.00}, and the status was PAID OFF. -Sometime later they removed the payment from this balance and changed the status. XXXX asked them to restore my status to PAID OFF and provide an explanation, they did not fulfill either request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank closed all of my accounts. I recently received a lump sum payment and payed off the majority of my debt to improve my credit score. Instead it will hurt my score by them unilaterally closing all of my accounts. I am a XXXX percent XXXX veteran and it appears as discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: There was a Synchrony Bank Paypal credit card opened in my name on XXXX XXXX XXXX I did not open this account but also did not notice its addition as I did not have any credit monitoring software at the time. Over the years the card had been used to make purchases and payments, none of which were by me. XXXX payment was missed in XXXX XXXX XXXX which alerted my XXXX XXXX XXXX report of a missed payment. Since then, I have been back and forth with Synchrony Bank to remove this fraudulent account and was told today ( XXXX XXXX XXXX ) that since the account has been open for close to XXXX years, it is viewed as a " valid account '' in their words and will not be closed. Now I am expected to pay {$2100.00} that remains on the account for which I did not make purchases. To further the troubles, I am unable to verify the name associated with this account when they ask since I did not create it so there is less help that I can receive from customer service.
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: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Confirmation Reference number was provided for completing form for Lowes trade line and was responded with a hard pull to credit score for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony bank is reporting my account as charged off/bad debt. However, this account has been paid and settled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Charged upfront or unexpected fees
Subissue:
Consumer Complaint: Re : Dispute of Interest Charges and Credits on Account XXXX XXXX XXXX Dear Synchrony Bank, I am writing to dispute certain charges and refunds posted to my CareCredit/Synchrony Bank account XXXX XXXX XXXX. Despite being advised by your employee that a refund has been issued, my credit report and account statements do not reflect these changes accurately. Here are the details of my dispute : Dispute XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as INTEREST CHARGE* PURCHASES REFUND Explanation : These entries suggest a refund of interest charges that I believe are erroneous. I have not received clarification on why these interest charges were applied and subsequently refunded. Dispute XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT BALANCE REFUND Explanation : The credit balance refund amount appears to be incorrect. I request a detailed explanation and correction of this entry. I was advised by your representative that these issues would be remedied and that I should contact you for a resolution. Please review these disputes, correct the errors promptly, and update any inaccuracies reported to the credit bureaus. Enclosed are copies of my account statements and the relevant transactions highlighted for your reference. I trust that Synchrony Bank will resolve these issues swiftly and accurately. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A