Date Received: 2024-01-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have top tier credit. I have been having this card for over XXXX years as I use it for my business. It went from XXXX XXXX dollars to XXXX in one day as they reduced my credit without notice. I have a credit score of XXXX with no missed payments. I use this card for business and now the limit is too low and they can not explain to me why they did so
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have the XXXX secured credit card they offer payment through XXXX with the card. upon trying this XXXX NEVER attempted to run it as a payment and solely ran it as a full transaction amount. despite me choosing this option of payment. When I asked XXXX they said the bank decline the payment option and then they went to apply full amount after rejecting offer. Call the bank the only decline they see is for the full amount of the charge. both point figures at the other. Went back and tried to purchase this same item took screenshots of me selecting the plan. then the recipet that came and the immediate order recipet online doesn't show payment plan and nothing on credit card side for pending transactions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Dear Synchrony Bank Attn : Three Major credit bureaus I am writing to formally dispute the recent reduction in the credit limit of my Amazon account ( ending in XXXX ), from {$10000.00} to {$6500.00}. This action has been taken based on alleged delinquencies or derogatory marks on a real estate secured loan, as stated in your correspondence among other factors. I must assert that this is a clear error, and I request an immediate investigation and reinstatement of my original credit limit. For approximately XXXX years, I have maintained this account with consistent, automatic scheduled payments. The claim of any recent derogatory status on my real estate secured loan, as cited in your letter, is incorrect and not reflected in my credit history. To substantiate my position, I have enclosed the following documents : A current copy of my yearly credit report obtained from XXXX that your company referenced, clearly shows no delinquent or derogatory marks on any of my real estate secured loans. Bank statements and canceled checks from XXXX XXXX XXXX, demonstrating consistent and timely payments for the period mentioned in your letter. Additionally, I would like to highlight that I have XXXX real estate loans, both of which are current, with no issues of delinquency. Enclosed are the documents about both loans, affirming their good standing. Given the evidence provided, I respectfully request the following : A thorough review of the decision to reduce my credit limit on the Amazon account ending in XXXX. An immediate correction of any inaccuracies in your records, especially regarding my real estate loans. A reinstatement of my original credit limit of {$10000.00} on the Amazon account, as the reduction appears to be based on incorrect information. This unwarranted reduction in my credit limit has adversely affected my credit score and caused significant inconvenience. I trust that Synchrony Bank values accuracy and customer satisfaction and will act swiftly to resolve this matter. I appreciate your prompt attention to this issue and look forward to a resolution that reflects the accurate status of my financial commitments. I also humbly request that the CFPB publish this description on consumerfinance.gov so that others can learn from my experience. Thank you for your time and understanding. Sincerely, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX said i owe XXXX this is more than the debt i actually owe, they refuse to take my lump sum payment. i can not afford to pay this, i told them this. they said i could pay off XXXX if i did XXXX today and then XXXX in a week .... she then did not tell me it was for the FULL BALANCE, i was mislead and lied to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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 did not receive items I paid for and prior to the attempted delivery of the additional items, I reached out to the merchant asking that XXXX contact them as they informed me the merchant was the only one who can help, the merchant then informed me that XXXX would need to conduct the investigation, they did and after communicating to me multiple failed delivery attempts between separate deliveries, my investigation was closed with XXXX attempting to use the same proof of delivery they provided prior which they acknowledged was incorrect as they said they attempted deliveries after. I filed a dispute with my card as the merchant was unwilling to help and my dispute was closed with the credit card company claiming the merchant provided a sales invoice and a signed delivery slip and that they were ruling in their favor. You will see however in communication directly from the merchant on XX/XX/XXXX, they stated that a signature was not on file, only for a month later for there to be one, this is also able to be confirmed through the carrier they used XXXX, who would provide a copy of the signature if one was captured but that is not the case. There also would be a time and date stamp recorded. Despite me requesting this be sent to me on XX/XX/30 so I may add it to a police report as I did not sign for a delivery, I still have not received anything, i then asked Synchrony on XXXX when I could expect proof and they stated it would be sent within XXXX hours, I then was sent a follow up message claiming that my inquiry was escalated to corporate. I since have informed them that I did not receive a response from corporate and got another generic response. I have provided documentation showing XXXX failed delivery but synchrony has sided with the merchant due to a signed delivery slip, for one if a signature was captured XXXX would have a signature as proof of delivery not a picture as I confirmed this with them and they stated there was no signature captured. The merchant also states in the communication sent for my denied dispute that there is no signature on file. I have no other recourse other than to now dispute the amount of {$1300.00}, the total value of the items which were not delivered, the merchant has not provided me anything which supports this denial and I have a ring camera which shows successful deliveries from other carriers but it is not possible for me to prove that I didnt get something with this. There is nothing which shows that my items were delivered to or received by me, yet the merchant is expecting me to pay for these items over the next 5 years. I have provided a substantial amount of information to support my claim and the merchant has failed to even send the signed delivery slip they claim to have and are using to deny my dispute. It has been over a month since they denied my claim and are requiring me to pay, yet this proof was not provided to me. Their own policy states i will not be billed until my items are delivered to me, I never received any items so i should not have been billed. I have tried with both merchant and my credit card and have not been provided with documentation for the denial of my dispute, I am not even able to file additional police reports about the merchant 's signature claim as one has not been provided to me so I am not even sure if the information I have been given is accurate, I just wanted my items delivered correctly, now I need this off of my account as the merchant stated that they would not bill me until my furniture was delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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 received a synchrony bank XXXX card in the mail. I never activated it. I have XXXX XXXX accounts which I have paid from my bank account including XXXX XXXX the period when synchrony said i owed them XXXX plus fines for non payment I never activated the card or used it. My two XXXX accounts have been paid from my bank account The harassing phone calls and emails need to stop. They are insistent that I owe them {$160.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX consumer credit card by XXXX XXXX XXXX XXXX Synchrony Bank consumer credit card Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I only owed {$290.00} on my XXXX, XXXX and XX/XX/XXXX statements. I paid {$290.00} on XX/XX/XXXX. I also paid {$290.00} on XX/XX/XXXX. Because that payment was rejected by Synchrony I made an additional payment of {$290.00}, thinking the {$290.00} payment wasn't received per their reps on in the call center. So one of my payments did get declined by my bank because I the first payment of {$290.00} did in fact go through. That is when I called in and I requested the closure of my account. After that balance was paid I made no further payments bc the limit on the card had been paid in full. No paper check was issued to me, if you disagree please provide photo proof of the paper check that was provided. Starting In XX/XX/XXXX Synchrony started adding late fees to the {$290.00} that they are saying they didn't get but I have proof from my bank statements showing I did in fact pay them {$290.00}. I would like to clarify that my account with Amazon Store Card was not closed due to " dishonored payments, '' as stated in your response. I initiated the closure of this account on XX/XX/XXXX, due to repeated issues with payment rejections and the imposition of late fees. This closure was an action I took to mitigate further financial complications caused by the account. Furthermore, the assertion that I did not honor payments is not accurate. I did make payments to the best of my ability, but your bank repeatedly rejected them and applied late fees. I have maintained documentation of these rejected payments, and if necessary, I can provide proof to support my claims. In your response, you referred to a clause in your terms and conditions related to credit reporting. However, you did not provide any evidence that this clause indeed exists on your company 's website. In the interest of transparency and compliance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide verifiable documentation of this clause. Moreover, I would like to address your statement regarding the reporting of late payments. While you maintain that you have accurately reported my account history, I must emphasize that the inaccuracies in reporting have persisted. My original dispute stems from late payments being inaccurately reported for several months. I have consistently challenged this inaccurate reporting with supporting evidence and have sought resolution through multiple channels. As per the FCRA, specifically 15 U.S.C. 1681 section 602, consumers have the right to dispute and seek corrections for any inaccurate information on their credit reports. In accordance with my rights under the FCRA, I urge you to conduct a thorough investigation into the reporting inaccuracies on my Amazon Store Card account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear Synchrony Bank Dispute Resolution Department, Attn : Three Major Credit Bureaus I am writing in response to your recent correspondence concerning the status of my Lowe 's account ending in XXXX. I am compelled to address the erroneous claim of a delinquent or derogatory status on my real estate secured loan, as stated in your letter. This claim is inaccurate and has unjustly impacted my credit score and financial standing. For over 10 years, my Lowe 's account has been diligently managed with automatic scheduled payments. The assertion in your correspondence regarding delinquency on my real estate loan is not only incorrect but also contradicts my credit report and financial records. Furthermore, I would like to highlight that I currently hold two real estate loans, both of which are up-to-date and without any issues. Enclosed, please find the following documents substantiating my claim : A copy of my most recent yearly credit report from XXXX. This report clearly shows that there are no delinquencies or derogatory marks on any real estate-secured loans under my name. Bank statements and canceled checks from XXXX XXXX XXXX, demonstrating timely payments for the periods in question for both real estate loans. Documentation for both real estate loans, confirming their current status and my consistent adherence to the payment schedules. Given this evidence, I respectfully request an immediate review and correction of the records pertaining to my Lowe 's account. Specifically, I ask that you : Conduct a thorough investigation into the reported delinquent status and rectify any inaccuracies in your records. Update the information reported to the credit bureaus to reflect the accurate status of my financial obligations. Reopen my Lowe 's account, considering the closure appears to have been based on incorrect information. The erroneous reporting has caused significant inconvenience and distress, and I trust that Synchrony Bank will address this matter with the urgency and seriousness it deserves. I value a fair and accurate representation of my credit history and believe that rectifying this error will benefit both parties. I appreciate your prompt attention to this issue and await a positive resolution. Should you require further information or clarification, please do not hesitate to contact me. I also humbly request the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. Thank you for your time and understanding. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I ordered a product from XXXX XXXX which XXXX XXXX promised to deliver by XXXX before XXXX. They did not deliver it until XXXX after XXXX. I opened a dispute due to the product being late. I paid with PayPal credit. PayPal closed the dispute because they said the product was delivered. They did not address the issue of the product being late. When I tried to supplement the claim PayPal 's website malfunctioned and would not take the additional information into the dispute. I tried chatting with an " online assistant '' but it was a robot and did not solve anything, it just kept sending me to info pages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75904
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A