Date Received: 2022-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In Accordance with the fair credit Reporting act XXXX account Synchrony has violated my rights. 15 USC 1681 Section 602 Stated I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer 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: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
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: This is in reference of my case # XXXX currently open. Today XXXX. response to letters XXXX / XXXX / XXXX ( XXXX ) / XXXX / XXXX / XXXX/ I had been responding to each XXXX of your letters through out the XXXX, explaining and clarify the results of each questioned asked on your letters. I had received your letter dated XXXX, XXXX XXXX said said that now Synchrony Bank received my payment of {$3300.00} on XX/XX/2022 and applied to my accountant XXXX. You had also said that my payment was unpaid by my bank, and the payment were reversed. This is impossible ( XXXX XXXX XXXX XXXX has no record of it ). I went to my Bank XXXX XXXX XXXX XXXX, here in XXXX at the XXXX XXXX XXXX location. On XXXX The office issue me the attached documents I sent them on my prior attachments ). I was told by XXXX, that this claim its not 100 % correct there's no records of any translocation on this dates ( For this amount ). These payments or any of the records claimed on your letter never appear on my bank records. As I had mentioned prior, This his is the store error and mistake ( I strongly believed ). This never existed and never took place the way XXXX claimed to happened. This is exactly the reason for me to request a 100 % investigation on my account, My account has too many errors and now XXXX want me to pay for it. I had also sent a copy of {$800.00} XXXX XXXX payment that was never annotated on my account. Please see the attached documents. Payment for {$800.00} XXXX # XXXX dated XXXX.. total amount cash {$800.00}. I, as a customer find myself obligated to prove to XXXX XXXX Synchrony Bank some error - made up by the store. Something being claimed as - We received your payment in the amount of {$3300.00} and applied it to your account on XXXX. On XXXX The payment was returned unpaid by your bank : the payment was reversed. How can I prove to your institution something that never existed. Synchrony Bank XXXX XXXX could make this again and again, and telling me that I owe Synchrony Bank XXXX XXXX specific amount at any given time. And I will find myself again incapacitated to prove it.. I would like to come to the end of this issue, I'm willing to paid off my current balance immediately. As I had previously mentioned, Please review my account, I will never let me balances get high. Im a retiree and I do not make mucho money, This bill will cause me tremendously imbalance on my budget. Im asking Synchrony Bank to please please review my records, ready my letters. Look I had mentioned about this payment above, Why this payment its not reflected on my account?. Because its impossible to me to prove this issue, reason why : I trusted XXXX accounting holding and management. Look at my records, not only from XXXX but from any other credit card. I usually make payments cash, but I had not receipts of it. Synchrony Bank XXXX XXXX keep saying that my payment was returned due to the bank reversed my payment. Is there any records of it? So I can bring it to the bank. I consider this the correct way to support your institution claim .. We received your payment in the amount of {$3300.00} and applied it to your account on XXXX. On XXXX The payment was returned unpaid by your bank : the payment was reversed. if this in fact took place, somewhere some how it must be a record of it. Once again I had received another check back from your institution check # XXXX amount {$430.00}. I make payments and my money its sent back. Please lets investigate this issue. Let me know my correct and final balance and I will be glad to cover to correct amount due to your institution. Im asking you please lets be fair. Not only Investigate my bill, but the store errors. Store errors where the beginning of all this issue. Thank you for your help and support on this matter. Respectfully XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
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: 2022-10-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have my amazon store card on autopay and I am not as diligent as I should be checking my monthly balances, however I recently noticed a fee for card security that has been adding a percent to my balance for the last 10 years, and I have been paying interest on it. When I tried to resolve the issue with Amazon and asked for a refund l was given a partial refund because it was passed the 90 days of joining. Apparently they snuck it in when I applied for the card and I am not sure how Im only seeing this fee now, however its a service I never wanted and never agreed to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
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: Furniture was purchased from Rooms To Go through Synchrony Bank financing. Account was paid in full a few months after purchase. I had a problem with one of the furniture items. XXXX agreed to pick up the item which they did 2 months ago and issue a credit to my previous Synchrony bank account. Synchrony assured me when the credit posted, they would simply mail me a check. Now Synchrony said a " dispute '' was opened on XX/XX/22 and it can take 60 days to resolve. There is no dispute, XXXX issued the credit and I want the check mailed to me as promised. It would also be appropriate if Synchrony Bank paid interest on the amount since they have held on to my refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Attempting to pay my PayPal credit card bill, but their online portal refuses to display any of my statements to review the charges. I realized there was an issue 24 hours ago and despite contacting PayPal through their joke of a customer service department nothing has been resolved. My bill is due on the 7th and they apparently don't care enough to provide a working system. I've tried three different browsers on two different computers and all of them display a " Something went wrong, we can't show your statements right now '' message.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
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 has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b treat a payment on a credit card account under an open end consumer 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: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There is a credit card on my report that was opened 7 years snd 10 months ago, Im only XXXX currently. Therefore I was underage at the time it was opened, I am only an authorized user on the account but I wasnt aware I was on the account. My mother is the one who opened up the account and made me a user. I dont know what could potentially be done, but something needs to happen before she opens a new line of credit in my name without me being aware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX 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 a account without my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a care credit card at my vets office without being told by an actual care credit representative on how care credit interest charges work, or how the care credit card itself works. Care credit is not supposed to approve applications when done through the vet offices, but they did. So I opened this card and was only told by the vets office that if purchases were paid off within 6 months, there would be no interest charges. But I was never told that care credit will charge you HUGE amounts in interest and that each payment you make, will NOT go toward the oldest charge and promotional offer that expire first, and to do that, you have to call care credit and make payments over the phone every month and verbally state or specify which charge and promotional offer to apply your payment toward. I was never told this by anyone when opening my account. That is extremely deceitful and bad business. So whenever I made payments, care credit did not apply it to the oldest promotional offer, like they should have. I never received any information on how care credit interest works, when first opening my account at the vets, nor did I ever speak to a care credit representative at all when opening my account. They charged me {$790.00} of interest in XXXX of 2022 alone, due to expiring promotions. I was charged other large amounts of interest like that in other months because of expiring promotions again, racking up my bill and making it impossible to catch up or pay off. I never missed a payment and always paid more than the minimum. I called in XXXX of 2022 to talk with the company and even a manager and tell them I had no idea this was how they worked and that it was crazy to charge people these large amounts of interest and I asked them to please reverse at least some of these insane interest charges so I could catch up and pay off this card and they refused to work with me. Anytime I told them how I was not informed on how their credit card or interest worked, they ignored me and kept saying they could not help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60544
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I filled out some information on a website and they must have fished my information around to other credit companies without my consent I applied for a home loan and I noticed several mortgage companies on my report without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28658
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A