Date Received: 2022-09-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Synchrony networks have violated IRS Publication 4681 Cancellation of debt which gives procedures for charge-off debts and the requirements for ensuring it is within IRS regulation such as the statement in the publication where all debts canceled above XXXXXXXX XXXX must have an accompanying form 1099-C sent to the debtor. I never received a form 1099-C for the charge-off. Not only did Synchrony Network charge off this debt as a tax write-up without providing me a 1099-C but they continued to pursue the payment of the debt they already cancelled. As Defined by The IRS Even if you didn't receive Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as ( Gross or Ordinary income ). INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as debt is inaccurate. 15 USC 1681 s-2 Says Synchrony Network is a furnisher of information to a consumer reporting agency. They ARE PROHIBITED BY LAW to furnish inaccurate information. I demand they Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I purchased XXXX bedroom set from Room to Go on XX/XX/XXXX a total of {$3200.00}. This purchase was from the promotion, that was " no full payment, interest for 60 months. '' I paid deposit on XX/XX/XXXX and XX/XX/XXXX a total of {$500.00}. The furniture was delivered by XX/XX/XXXX. There was no other furniture and nothing absolutely purchased from Room to Go after this day of XX/XX/XXXX. AND I DO NOT HAVE ANY OTHER CARD FROM ROOM TO GO WITH SYNCHRONY BANK. I received my first bill on XX/XX/XXXX. I reviewed and found several errors, and had transaction of " WARRANTY PURCHASED ''. I have never purchased WARRANRTY OF ANY FURNITURE. I called immediately to the Synchrony Bank and asked them to make corrections. They told me " yes we will do and send you updated statement next month ''. XXXX month statement had no changes. It is since every month I am calling them and spending hours on the phone for correction. But they did not make any changes. The Synchrony Bank have been calling every day from different phone numbers, any time during the day and night, morning and sending emails of reminder of missed payment. FURHTER TO THIS MESS MADE BY SYNCHRONY BANK, THEY HAVE REPORTED FALLSFULLY TO THE CREDIT BUREUE AND REDUCED MY CREDIT RATING TO XXXX POINTS BRINGING DOWN TO XXXX POINTS. THE ACT OF THIS SYNCHORINY BANK IS ABUSIVE, FORCED CHARGES, IMPACTING MY CREDIT, MAKING HARRASING CALLS ANYTIME ON MY PHONE, MUST BE ACTIONED BY THE PROTECTION BUREAUE IMMEDIATELY. I AM ATTACHECHING WITH THIS COMPLAINT SOME DOCUMENTS. I HAVE THE STATMENTS FROM SYNCHRONY BANK AS WELL, MARKED WITH THE ERRORS THEY MADE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX, I made reservations through XXXX for The XXXX in XXXX XXXX, NJ, for the date of XX/XX/XXXX. I proceeded to make another reservation at the XXXX XXXX in XXXX, PA, for the following date of XX/XX/XXXX. On XX/XX/XXXX, my Synchrony XXXX XXXX XXXX XXXX XXXX charged by an unknown company XXXX XXXX ) in the amount of {$280.00} in relation to a reservation at The XXXX. Synchrony closed that card and issued me a replacement card with new numbers. When I arrived at The XXXX on Saturday, XX/XX/XXXX, they showed only one reservation made in my name. My defense is that only one reservation was made by me online. On XX/XX/XXXX, I spoke with XXXX from The XXXX in XXXX XXXX XXXX XXXX ( EXT XXXX ) and only one reservation shows online purchased through XXXX When I googled XXXX there are several complaints of fraudulent charges concerning their company that show up instantly. Upon reviewing my case, Synchrony Bank has denied that the charges from XXXX are fraudulent and have denied the requested refund to my account. As a result of that I closed my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Applied for a lowes home improvement card said i pre qualified sent me to XXXX went through procress here called because it said i was blocked talked a man that said you will get a letter 7 to 10 so that means i didnt quailfy false and misleading i didnt see anywhere where it said prequailfy doesnt mean you qualify now this is a hit on my credit false and mileadind schnory bank the web wont let you capture any of your info because they ask you to take a pic of self and id
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: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I attempted to pay my Amazon store card multiple times. It stated it posted and then retracted that payment so I sent the payment through again including the fee once again it said it posted and now Synchrony without informing me prior to making the payment or after the payment was submitted that they were holding the payment for 2 weeks because I made two payments in one month. No were does it state this in terms and conditions nor was I ever informed. I would have delayed the payment if I knew it would be held. When I finally called because a charge didn't go through I was informed it was held. I asked for payment to be reversed was informed only way is to get a check. Also that only way to confirm emails sent was through fax. They heavily attempted to delay the resolution to avoid fixing. And allow them to hold without reason or informing the customer. additonally I have been on hold with the company for over 30 minutes with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: verizon - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine syncb/car care - account number XXXX opened XX/XX/XXXX - this account is mine XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late SYNC/Sams - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXXXXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
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 am having a problem with my CareCredit account, which is up under Synchrony Bank. They are penalizing me for disputing a charge, and not giving me the provisional credit that they are claiming that they are doing, which is required by Federal Regulations. I had a credit limit of {$1900.00} with CareCredit. Therefore my available credit limit was {$1900.00}. I made a one time purchase for {$1800.00}. As a result of such, my available credit limit became {$5.00}. After that, I made a one time payment to CareCredit, of {$1800.00} to pay off my entire balance. Such payment brought my available credit limit back to the original amount of {$1900.00}. I have not used my CareCredit account since then, so my available credit remained at {$1900.00}. Because the purchase I made for the {$1800.00} contained a breach of contract, I disputed such charge with CareCredit, and subsequently was told that I was going to be given a provisional credit for the disputed amount. Instead of being given a provisional credit, prior to doing so CareCredit placed a hold on my account for {$1800.00}, in order to stop the provisional credit of {$1800.00} to be given in good faith. Such action flies in the face of 12 CFR 205 Electronic Fund Transfers, as governed by Regulation E. ( https : //www.federalreserve.gov/supervisionreg/reglisting.htm ). For me to have an available credit limit of {$1900.00}, then dispute a charge of {$1800.00}, just be given a provisional credit of {$1800.00} right after a hold is placed on my account for {$1800.00}, is tantamount to not being given a provisional credit at all. In fact, since the hold has been placed on my account prior to the provisional credit being posted, my current available credit is only {$5.00} and will remain at {$5.00} until the provisional credit posts to my account ( when prior to such dispute my available credit was {$1900.00}. ) If my available credit limit was {$1900.00} prior to the dispute, and after the provisional credit of {$1800.00} is posted, my credit limit is still {$1900.00}, where is the provisional credit at? By Synchrony Bank and CareCredit placing a hold on my account for the amount I am disputing while offering me a provisional credit, they are surreptitiously circumventing the banking regulations set forth to protect consumers, and finding a way to abuse my rights as such consumer. CareCredit is making it appear as if they are giving me a provisional credit when they are in fact not doing so. I spoke to three different people regarding this issue on the morning of Sunday, XX/XX/2022. The people that I spoke to were representatives by the name of Nurse ( phonetic spelling ), via phone ; XXXX, via SMS ; and XXXX, who said he was a manager, via phone. None of the three parties made an attempt to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A