Date Received: 2022-09-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To Whom it May Concern : I have a PayPal account and a PayPal credit card through Synchrony Bank. On XX/XX/22 I made a purchase for {$6100.00} for my daughters braces to XXXX XXXXXXXX XXXX. The payment went through and my credit card was changed that amount. I have never had a balance that high so I wanted to immediately pay it off as I always do anyway. I have never been late for one payment and I usually pay my bill multiple times a month to keep my balance down. I submitted a payment late Thursday night XX/XX/22 on the webside and there was a message that the transaction failed and to try again later. So I immediately tried again to submit the payment but it failed again so I decided I would try the next day. The next morning on XX/XX/22 I had an email from paypal that the payment went through but there was 2 emails and the payment went through 2 times. I called the credit card that day and said they had made a mistake and processed my payment 2 times. They said there was nothing they could do to stop the payment from being processed through my bank account. They recommended if I didn't want over XXXX being taken from my bank account I could call my bank and do a stop payment to avoid the withdrawl. The other option was to have it processed then have the credit company issue a check in 15 business days for the mistake. Since they recommended the option of doing a stop payment I chose that because I did not want my bank account drained. I called my bank, XXXX and they stopped the payment, they could not stop just one they had to stop both payments. After that Paypal cancelled my bank account as a payment option because the payment did not go through. I called paypal and explained the situation and added my bank account again and made the payment on XX/XX/22. This was after trying to go online and pay and the payment and it was rejected because I didn't realize they took my bank account off the payment option. I also tried to by gas and my card was rejected. I called back and found out that Synchrony closed my account and didn't even tell me. I feel I did nothing wrong. I paid all my bills on time and just followed the advice of the customer service rep that day to put a stop hold on the payment so my bank account did not get drained 2x the amount I actually owed. I did call and complain and asked them to review my records and reopen my account but they still denied me and closed my account. This is an injustice to me. Please help me resolve this issue. I am hoping this does not damage my credit score. I applied for another credit card with XXXX XXXX and I was denied on XX/XX/22. This is very upsetting. Thank you for your time. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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: JCPenney Credit card account opened XX/XX/XXXX is owned by Synchrony Bank,, XXXX XXXX XXXX, XXXX FL XXXX ; Phone XXXX The account has been paid on time with no late payments. On XX/XX/XXXX I applied for a credit limit increase from {$100.00} to {$1000.00}. At the time of the request and currently my credit is in the good standing, and my salary and credit history are good. However, the increase was denied. When I asked why, I was told it was based on information in my file- my credit score. I asked for a copy of the denial letter with the referenced credit score. I received a copy of the letter via email and in the mail. It was an old letter dated XX/XX/XXXX which referenced an old credit score from XX/XX/XXXX. XXXX was referenced as the consumer reporting agency. On XX/XX/XXXX I called the company again to try to get the old information updated in my file. I spoke to a representative at the number listed above ( same in letter ) and asked why the company is using outdated credit reports and scores to deny credit increases. It was a waste of time. He refused to assist and kept repeating " decisions are based on soft inquiries and credit reports in your file. '' When I asked what is the date of the soft inquiries and credit reports in my file, he kept repeating " its what's in your file and we don't have any control over it. It's automated. '' I countered multiple times saying " if the information is incorrect or automated who can fix it? '' He offered no resolutions and would not help so I asked to be referred to a manager or department who could assist. He said he needed to place me on hold and it would take a while for someone to assist. I was placed on hold for several minutes but no one ever picked up the line nor did he update me on status. I am seriously contemplating closing the account since it appears the company does not seem to care about the concerns of loyal customers. Any help provided would be appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/2021 I applied for a CareCredit credit card through synchrony Bank. They had a hidden promotion using a deferred payment amount that would charge 26 % interest after 12 months of payments. They don't make it clear that this was the type of loan when receiving the card. I was under the impression that this was a standard credit card with a limit and interest rate. I just got to month 13 of my auto pay, and saw a higher balance, so i tried calling them and seeing if I can pay off the card without the deferred amount since I didn't know it was a promotion. They basically told me I should of figured out all this by reading my statements carefully. This is a scam designed to have the customer believe he is paying on a credit card then set him up for a high interest loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXXXXXX XXXXt 2022 my password was stolen from PayPal credit. I contacted PayPal and filed a resolution immediately. In one hour they investigated it and said that i had always made money transfer to people over a XXXX . Never have i and my account verifies that. They will not help any further. Then with in 3 minutes my credit union was entered and hacked for three transaction for more than {$2400.00}. I had give no one my password or PayPal or my account numbers for my credit union. Synchrony Bank in Florida is the bank which provided the money to transfer funds and now wants me to reimburse them because the PayPal account had no funds in it. Now i might have lost almost {$5000.00} if they take me to court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95070
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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: On XX/XX/2022 at approximately XXXX XXXX, I received an e-mail from XXXX that I had been issued a credit from the merchant XXXX XXXX XXXX in the amount of {$370.00}. So I login to XXXX to view my account and notice that I had received the refund in the account as noted in the recent activity. However, the balance nor the available credit had been updated yet. So I thought well this will probably be processed on to the account tonight and updated tomorrow. So the next day, XX/XX/XXXX, I login to check the status of my account and the recent and the {$370.00} was removed from the recent activity. I decided to call paypal credit to find out what was going on. I spoke to a rep that said that they never sent me an email and that the merchant did not send paypay any refund. So I ask if I should report the email as phishing to XXXX and the rep said not that to disregard it and I inquired about the refund and how it is processed and the rep could not explain it to me to my comprehension I mention if the company canceled the refund then I would need to dispute it. The rep agreed and started to process the dispute. I was told that the would issue a new account and would have to update any merchants I have recurring charges with and the balance would transferred over to the new account. The next day the XXXX XXXX XXXX XXXX XXXX to the account for {$370.00} and the balance was like XXXX XXXX and something dollars I knew that that balance was incorrect and did the math and it was additional {$370.00} that I believe to be a provisional credit that had also been posted so I called in and explained everything to a new rep who was with investigations that I was withdrawing my dispute due to the credit being posted to the account and told him all the back needed to do was remove the provisional credit and my account would be back to normal. The response was ok. About a day or two later I login to check the account to make sure everything was fix and see that my balance is {$1000.00}. Upon further review of my account, I determine that Synchrony bank had mistakenly did an additional balance transfer for {$370.00}. So I call the bank and ask to speak to a bank manager and was transferred. Upon explaining everything in full context the manager reviewed the account apologized and said it would be resolved within 48 hours. So I said thank you and waited to see. I check as instructed a few days later and had to call back in to the bank ask to speak to a manager and was transferred explained everything again and was told that I need to wait I felt that this was getting repetitive and stated that I was just going to file a complaint with CFPB because they reported the amount in question to the credit bureau I said bye to the lady and she ask if I could please hold on for a second so I said ok. I was transferred to a rude lady that stated she was a bank manager for the investigations. I told her I never asked to speak with her and very cordially explained briefly what happened she said that there was no mistake and everything is right on the account. I told her I disagreed and would pursue a different remedy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70301
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2021 I purchased {$240.00} of merchandise on Amazon and used XXXX to pay for it. XXXX loan number XXXX was provided to synchrony who stated they didnt know who XXXX was. synchrony later came back and stated that I applied for an Amazon card. The Amazon card in which I never applied for was sent to an old address in which I havent lived at for almost 5 years. Synchrony continues to send me a bill for an Amazon that I never applied for as well as merchandise that I have already paid for using XXXX. Please resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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: I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX reported I closed my credit card but I didnt close it. I paid it off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97140
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are two tradelines reporting on my credit that I do not recognize. The first one from Synchrony Bank that is reporting a balance of {$1000.00} and the other for XXXX XXXX XXXX reporting a balance of {$370.00}. I have never opened any line of credit or have had a loan with them, nor is Synchrony Bank my personal Bank. I have XXXX. I also have never had cable with XXXX XXXX XXXX in 2019 nor do I have a service line opened with them. My carrier is XXXX. I contacted XXXX XXXX XXXX and they were unable to give me any information on the balance that is reporting on my creit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: They have my name address and number and dob all wrong in credit runs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A