Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello I have been the victim of Identity Theft, and the thief has opened several accounts with Synchrony Bank ( which operates many different store cards ). I have been able to shut down two of those accounts but there are more appearing on my credit file as recently as two days ago. I am struggling to recover from this identity theft. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: They kept taking out payments from my checking account after loan was paid off. Also, I still haven't received the title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My XXXX has a credit card with Synchrony Bank he XXXX away in XX/XX/XXXX suddenly, he was hospital from XX/XX/XXXX and never returned home to continued enjoying our retirement, we both decided that we would stay home and enjoy the rest of our life. I lost my job due to XXXX, my XXXX had already retired. This was great, we both work hard send our kids to school we were living the American dream. My husband was loosing his hearing and he decided he should get XXXX XXXX, he did visited XXXX XXXX XXXX they fitted him with a hearing aid and told him he was approved for a credit card that will pay for XXXX XXXX. He did get the card and made payments to the credit card company, when my XXXX was hospitalized I took over the role of paying the bills and that included his credit cards hoping he will be home and resume paying off his obligations. After he XXXX I reported his passing to he XXXX XXXX XXXX, and was told to donate the hearing aid and to inform Synchrony Bank. I did and provided them with a copy of the death certificate. They continued to send me bill in my husbands name after numerous attempts advising that my XXXX is XXXX, they started sending the bill in my name. I never applied nor did I received a card, I was not a co-signed on he account. Synchrony Bank has reported me to numerous credit bureau without my knowledge, I am unable to secure credit, In addition I had XXXX other cards, which was closed without my knowledge. On Friday I received a letter from and Attorney XXXX XXXX XXXX XXXX XXXX asking me to respond by XX/XX/XXXX to dispute all or part of the debt, stating if a judgement is received in court I can lose Social Security, unemployment benifits and and several forms of income to repay his debt.I live on Social Security the house In is my only place of resident and I am struggling to make ends meet. Thank you, Kindly Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11776
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I settled my Brandsmart Card Account with XXXX XXXX XXXX. The XXXX at the time was {$3000.00} and we settled at {$1200.00} over XXXX monthly payments of {$50.00}. We sent payments monthly from XX/XX/XXXX all the way through XX/XX/XXXX and then in XX/XX/XXXX we received notice that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of nowhere it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " recall '' the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33016
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to my card on XX/XX/XXXX via direct payment from my checking account using the account and routing numbers. The payment was processed by my bank the same day and Processed by Synchrony within 2 days. But now, 6 days ( XX/XX/XXXX ) after payment, they are telling me that my payment is being held for 3 more days until XX/XX/XXXX and will not be credited to my account for use until XX/XX/XXXX. My payment in there system shows " processed ''. There response to this was " However, some times large payments takes times to get updated for various reason. '' I explained that {$300.00} is not a large amount and that it isn't right for them to hold my money XXXX. I cited the Consumer Financial Protection Bureau, XXXX Payments ( a ) General Rule. " A creditor shall credit a payment to the consumer 's account as of the date of receipt. '' That didn't seem to matter to them. So I asked to speak to someone who can help me. They said there is no one available through chat and I would have to call, but that no one would be able to take the hold off of my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: They ran my credit without my consent and lowered my credit limit without notification. I carry a balance which was less than half the limit, but have never been more than 30 days late on a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to Synchrony Bank/PayPal Credit several times about the {$4500.00} of unauthorized charges and removal of the delinquent payments showing on my credit report due to identity theft. My account has been up to date without any delinquent payments until my identity was stolen in late XX/XX/XXXX. After not getting any satisfaction via telephone, I sent them a dispute letter on XX/XX/XXXX. On XX/XX/XXXX, they responded by attaching monthly billing statements for XXXX and XXXX onlynot showing the unauthorized charges in question. While disputing the unauthorized charges, Synchrony Bank/PayPal Credit continued to charge late fees and assess interest on the disputed balance. On XX/XX/XXXX, I sent a certified return receipt response letter asking for verification of charges. This letter was delivered and signed for on XX/XX/XXXX. After no response. I filed an Identity Theft Report with the Federal Trade Commission. On XX/XX/XXXX, I sent a certified return receipt letter and FTC Reportthis letter was delivered and signed for on XX/XX/XXXX. To date, I have not received any information about my dispute. Synchrony Bank/PayPal Credit has mishandled my dispute about identity theft by not acknowledging my complaint and did not provide me with an explanation for rejecting my complaint. Synchrony Bank/PayPal Credit has engaged in unfair acts or practices in violation of the CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
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 1666 B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In 2021 I traveled to XXXX for a couple months and was stuck there because of Covid and couldnt come back for several months and I let synchrony credit know I would not be able to pay off this credit card for 2 months which was XXXX and XXXX and they told me that it was fine and they would remove the late charges off my credit report which they did and after a couple months a came back on my credit report and Ive called them and they said they cant do anything about it now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a XXXX 's card with a {$1000.00} limit on XX/XX/XXXX and used the entire line of credit on XX/XX/XXXX to purchase a refrigerator and washer/dryer. The total price was {$2800.00} and the additional {$1800.00} was paid using another credit card. Delivery was scheduled for XX/XX/XXXX and on that day it was determined that the items were undeliverable and couldn't fit through the doors. Delivery person said they'd return the items that day so we could pick something else that can fit through the doors. I received a call from the store that day from a XXXX 's associate who said the items were brought back to XXXX and instructed me to choose alternative appliances to be credited as an exchange. I came to the store that day and attempted to do so and was told that that wasn't possible because the items had not yet been received at the store, despite what I'd been told by the person who called me. I attempted calling that specific XXXX directly over 9 times on XX/XX/1925, XXXX, XXXX and XX/XX/XXXX with no answer. I called XXXX 's corporate number and was told a supervisor would call me. When no one did, I visited the store and spoke to a supervisor who said that the items still hadn't been returned and they would call me back to follow up. When that didn't happen I returned to the store again and spoke with the same manager who finally located my items and said someone in the store had made a clerical error which was why the items weren't showing in the system. He then issued me return credit for the full refund. I then learned through my Synchrony bill that my XXXX 's card was not issued the full refund with no explanation and had accrued a late fee. I disputed the charges and received word on XX/XX/XXXX from Synchrony that " we have been advised from the store that the credit was processed as a check. '' That statement is both false and ridiculous as a check was never an option discussed or used for payment. I did not receive a check and did not make any more purchases from XXXX. I want to settle this matter and restore my credit, as XXXX 's is fully to blame for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A