Date Received: 2022-09-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Synchrony Bank I received a letter on XXXX XXXX, XXXX, recording my Amazon Prime account. The letter stated that I owed a {$230.00} payment. As is custom I pay all my monthly expenses the day my Social Security check hits my account. I paid Amazon {$200.00} in XXXX and left a balance of {$39.00} which would be paid in XXXX. On XX/XX/XXXX, and XX/XX/XXXX I received calls from Synchrony Bank regarding this {$39.00}. I have always made my monthly payments ahead of schedule and almost always the monthly account in full. The account balance has gone up to {$2700.00} which is higher than a month or so higher. I pay all my bills beforehand so as not to have anyone harassing me about payments. Being on Social Security doesn't mean I should be hassled. Sacrificing to make all my expenses paid before keeps my credit score in good shape. It is my hope that those who work at Synchrony will become more sensitive to those they are supposed to serve, in person, by phone, or by letter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
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: 2022-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account opened due to Identity theft done in XX/XX/2017, I have provide police report and this company will not remove this account as fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I submitted a payment on XX/XX/XXXX of {$300.00} which was later rejected. I was in the process of transitioning banks, so I reached out on XX/XX/XXXX as soon as I realized what happened and paid the {$300.00} immediately. I spoke with them via email to explain what happened. I had been a member since XXXX, and I was always on time with my payments. They waived the fee and the payment posted on XX/XX/XXXX. Today, XX/XX/XXXX I was notified by my bank that my Care Credit account had been closed. I looked through my email, as well as my Care Credit online account for a letter notifying me of an account closure and found nothing. I called Care Credit and was told that I missed a payment back in XX/XX/XXXX of {$93.00}. I explained that I made a payment on XX/XX/XXXX, one day before the payment due date of XX/XX/XXXX. I was told the payment was rejected because since the bill due date was a Saturday, it wouldn't be processed until the following Monday, therefore making it late and that it should have been submitted on XX/XX/XXXX. I received no message back then indicating this would be considered a late payment or to submit at an earlier date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a PayPal credit card bill for {$5400.00} in early XXXX, XXXX. I NEVER opened this account. I have NEVER made a payment on the account. This is Fraud. I contacted Syncrony Bank and told them that I never opened this credit account and that I only found out about it when I received the bill. It was well understood on the call that this was a case of fraud, and they assured me I would not be responsible for the {$5400.00}. I received a letter from them dated XX/XX/XXXX that confirmed I would not be responsible for the unauthorized transaction, and that the account had been closed. I then received a letter from Synchrony Bank, dated XX/XX/XXXX, and a Fraud Investigation Form that they requested I return by fax, which I did on XX/XX/XXXX ( I have the fax receipt ). On XX/XX/XXXX, I received another letter from Synchrony Bank, dated XX/XX/XXXX, denying my fraud claim because they said the account had been open for more than 12 months, and they said I had made a payment. The initial fraud was initiated online, and I was only made aware of it because of the past due bill I received in the mail in early XXXX of XXXX. I assume the payment they received was sent online by the person who opened this account. I HAVE NEVER HAD AN ONLINE PAY PAL ACCOUNT, AND I DID NOT REQUEST OR EVER RECEIVE A PAY PAL CREDIT CARD. I ALSO HAVE NEVER MADE A PAYMENT ON THIS ACCOUNT THAT I DID NOT OPEN. I received a new PayPal credit card bill which shows a statement closing date of XX/XX/XXXX. This bill has a different account number and the description of the charges states it is a balance transfer from the initial fraudulent credit card that they had closed. So they have created a new credit card account without notifying me they were going to do so, and without my permission. The total balance on this bill is now {$5500.00} because they have charged interest as well. I contacted them on XX/XX/XXXX and explained everything to them again. They have re-opened the fraud investigation and stated " the matter will be resolved in 30 days ''. I am filing this claim with the CFPB to ensure there is a record of this fraud, and to ensure I am not liable for the fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
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: In XXXX of 2021, I purchased a tent and used my Paypal credit card to purchase. I never received the product and called Synchrony Bank/Paypal credit XXXX I have made numerous phone calls to Paypal credit trying to resolve this issue. They state that the retailer sent the product. I asked multiple times for Paypal credit to send me the tracking number, and that I would call XXXX XXXX myself to find out where the product is. After multiple attempts, faxes to the company that went nowhere, and numerous phone calls, I have no resolution. They are sending me statements and adding on ridiculous fees. I had asked them to send me directly to collections, since I have no intention of paying for an item I never received, and they won't do that. Instread they keep adding on fees for not paying the bill. Never received the product in the first place, and Synchrony was no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I paid off this credit card and they sent me a letter that I was good in good standing, I do not have the letter and they do not have me in their system and they have not deleted and they are reporting different information to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Synchrony bank is giving me false and misleading information. They are showing that I have a available credit of {$8000.00} on my sams business credit card. The are not however allowing me to make a payment on the account nor actively use my credit card for everyday purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a consumer who applied for a TJX rewards credit card, offered by Synchrony Bank. Synchrony bank received my application and denied granting me an extension of credit for family and household purposes. Synchrony Bank replies and says that their decision was based on a credit scoring system from the consumer reporting agencies which is a violation of discrimination and defamation under the Fair Credit Reporting Act, Equal Credit Opportunity Act, and the Consumer Credit Protection Act. Although Synchrony Bank may consider information obtained in my credit report to evaluate my creditworthiness, the information must not be used to discriminate against me, and the decision-making. Synchrony bank also failed to notify me with the name and address of the Federal Agency that administers compliance which is a violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Paypal Credit which is administered by Synchrony unilaterally lowered my credit limit from XXXX dollars to XXXX dollars. This will very negatively affect my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX I paid {$3000.00} towards this credit card, the funds were withdrawn from my account that day and I got a confirmation email that the payment was posted on XX/XX/XXXX. XX/XX/XXXX I paid {$1600.00} towards this credit card, the funds were withdrawn from my account that day and I got a confirmation email that the payment was posted on XX/XX/XXXX. XX/XX/XXXX I called Synchrony Bank to ask why my payments have not been posted to the credit card yet and they claim this payment was flagged for fraud risk because of their large size ( {$3000.00} & {$1600.00} ). My credit card statement balance was $ XXXX at the time so I don't feel this was a " suspicious '' payment. I've made multiple payments from this checking account in the past ( as large as {$2600.00} ) without issue. The customer service rep told me the payment can take up to 10 business days to process. XX/XX/XXXX I called asking why my first payment has still not been applied to the account as it has now been 12 days. My total credit limit is {$8000.00} and my available balance just {$7.00}, my utility payments on autopay are declining due to insufficient funds. My normal expenses monthly on this credit card are $ XXXX each month. So only having balance of {$3200.00} all charged in the past week or so my card is now declining any further purchase. I asked for a higher credit limit of {$16000.00} but was declined, rep told me they would send a letter explaining why in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A