Date Received: 2022-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38138
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello I have a collection on my credit report for Synchrony Bank / GAP I have called XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX no one can find or claim the account or offer help or tell me who I can talk to about settlement or removing the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/22, once again Synchrony Bank took a credit that I hadnt use drop the limit from XXXX, to XXXX which has drop my Credit Score as if Im using up my credit this keep happening my credit is been damaged this a on going problem they also took the my discount tire account the same from XXXX XXXX these cards was not even 30 % use
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an issue with our account that was for a promotional purchase in XX/XX/2019. I was approved for promotional pricing ( 36 months zero interest ) through this credit agency as a 3rd party through my air conditioning company. There was no indication of any fees added beyond our promotional price. The cards were never even activated or used beyond the purchase made to this company. I applied via the application online provided by the air condition company and got instant approval. I did not receive any indication that we were being charged another fee. As you can see from the attached email from the AC representative, it is not something they can even offer during the application process according to their Synchrony rep. We were approved for {$9400.00} but were only charged for the unit at {$7700.00}. Due to an added " Card Security Fee '' that we DID NOT sign up for, we have paid well over that amount within the the 36 months promotion. They are also saying we owe {$1500.00} in fees and interest on this card security charge. Apparently, we were signed up for a card security plan that we did not opt in and then charged interest on top of it. According to my records, we have paid {$9700.00} and instead of our promotion being paid off, it was being applied to interest and fees we were not supposed to incur. At this point, I have spoken to 5 representatives both electronically and over the phone and each one has told me something different. I have been told that they can not send us our original loan agreement because it violates their policy. I have been told that the loan agreement was sent, but we never received it. I have been told by the representative for the air condition company that they do not automatically add card security and I have been told by the Synchrony employee that they do, in fact, add it in the application process. Also, opting into e-statements is added as a perk when in actuality it is more smoke and mirrors to conceal further predatory loan practices by concealing fees and services when e-statements are limited to only 24 months online and not making loan agreements available. When viewing the loan information online for the balance of the promotion, it appears that there is no interest being charged. You must look at a detailed statement to see the additional fees being snuck in. In 36 months we never missed a payment, even during a pandemic. Yet, we are being punished by their own predatory measures to ensure they collect their fees. When setting our account to autopay a payment for 36 months, we put trust in your credit company that our promotion would be met on time and within the terms we agreed. Thank you for your cooperation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: From XX/XX/XXXX thur middle of XX/XX/XXXX I was unable to do my payment in timely fashion I was incompastated at time. Some payment where made late or not all. I was in XXXX XXXX XXXX. By the time I was able to go back and do my owe finances the damage was done. I guess what I trying to say is I don't feel this should have negative impact on your credit scores. They closed my accounts, and drop my credit limit. XXXX would not help with there remarks. And Synchrony Bank closed one left one open, which makes no since. Once I was back in charge everything was back up to date. And a mortgage was Paid off which drop my score again. They didn't take in account what happened. I'm sure I'm not only one this happen to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are hard inquiries on my credit report that I do not recognize. A few months ago a hard inquiry from rent track was mistakenly placed on my credit report. I strongly believe the inquiries are 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: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am filing a formal complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This bank has been charging me illegal late fees every month since I opened the account. Every month I have paid my minimum balance due of {$42.00} early, and Synchrony Bank charges me for late fees. Then, adds the late fee charge to my minimum balance due. I have contacted them by phone and email on several occasions asking for a refund of the late fees. This abusive illegal practice needs to stop. I have enclosed copies of all the statements for my account which includes all dates and amounts of late fees charged from their website. Clearly exposing the accounting errors on their part!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24501
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
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 have attempted to contact sams club synchrony bank regarding fraud on my card and opening a totally new account. I need help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78207
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: SYNCB/CARE CREDIT - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is fraud. XXXX from XXXX from synchrony bank has not called me back regarding this matter. This is complete fraud and they know it. I am not responsible for this that its their problem. They need to be held responsible. She never calls back I left her several messages emails and no response. Id like to speak to her boss ASAP regarding this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08759
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A