Date Received: 2022-09-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: AFTER REPEATED ATTEMPTS TO REACH SYNCHRONY FINANCIAL AT THE ADDRESS LISTED ON MY CONSUMER REPORT TO DISPUTE A INQUIRY THAT I HAVE NO KNOWLEDGE OF, AND HAVE NOT GIVEN THIS COMPANY ANY CONSENT OR PERMISSION TO ACCESS MY CONSUMER FILE. THIS IS A VIOLATION OF FCRA section 604 (A)(3) UPON MAILING MY DISPUTE TO THE ADDRESS LISTED ON MY CONSUMER REPORT MY DISPUTE WAS RETURNED BY THE U. S. POSTAL SERVICE DUE TO THE FACT THE COMPANY DOES NOT DO BUSINESS AT THE ADDRESS LISTED ON MY CONSUMER REPORT. ATTACHED IN THIS FILING YOU WILL SEE THE ADDRESS LISTED ON MY CONSUMER REPORT AND WELL AS THE RETURN TO SENDER FROM THE U S POSTAL SERVICE SAYING THIS ADDRESS XXXX XXXX XXXX XXXX XXXX OH XXXX IS NOT IN USE BY SYNCHRONY FINANCIAL. THIS IS A DEFINITE VIOLATION 15 U.S.C. 1681s-2
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I made a {$350.00} credit card payments over 20 days ago, to this day they have not made my credit available its been 20 days and they are holding on to my money without making the credit available as mandated by law. this is a bait and switch ... my payment was cleared to them over 16 days ago yet the credit is not available to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Paypal Mastercard on JXX/XX/2022. The website requested that I unfreeze my credit report, which I did with XXXX. Then it asked me to unfreeze my credit report with XXXX, which I did. Then the website locked me out. Subsequently I received notice that my application had been denied due to a credit freeze. However, when I checked with XXXX I found that Synchrony bank had accessed my credit report with XXXX and did a hard pull which decreased my credit score. Synchrony claims they did not, and XXXX said they did. XXXX then sent Synchrony an inquiry on this matter on XX/XX/2022 and they have not replied. I need to have the hard pull removed from my credit report, or the credit card be issued. I am attaching a screenshot from my credit report from XXXX showing the hard pull and also the three letters of decline from Synchrony stating I was declined because they could not access my credit report, when in fact according to XXXX, they did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Reporting decreases on my credit line which damaged my credit score significantly. Especially when I made all my payments on time and I also was not late on my accounts. Annual income has not changed since obtaining the credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
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: on XX/XX/2022 I bought a gas grill from Lowes XXXX XXXX Ohio store and worked with the store Mgr. named XXXX. The grill was assembled by Lowes and I charged this purchase on my Lowes credit card by Synchrony Credit Card ending in # XXXX. Lowes delivered the gas grill at our home on XX/XX/XXXX. The assembly was defective since the front door on the grill does not stay closed and swings open and cut my leg on the sharp edge of the door. We called and talked with XXXX Store Mgr on XX/XX/XXXX and he would send someone out to fix the defective door. No one showed up for the appt. We called and talked with XXXX again on XX/XX/XXXX and he told us he would send someone out to pick up the grill and send us a replacement the week after XX/XX/XXXX. No one showed up again. We called and talked with the Lowes credit card person the first week of XXXX but the credit card company refused to allow us to file a Dispute per Regulation Z of the Fair Credit Act. We called again on XX/XX/XXXX to Lowes credit card and the Dispute person did take our Dispute and told us we would get a letter confirming our credit card dispute within one week from them and they would pass the dispute onto Lowes the merchant. We never have recieved the Dispute letter or had Lowes replace our defective gas grill. Clearly Lowes and Synchrony Credit Card do not adhere to the Fair Credit Act and purposely lie to consumers about their credit card purchase Dispute process. We want the credit on our card processed immediately by Lowes and GE Capital Bank or a new gas grill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up for a XXXX Discount Tire Synchrony Car Care card after being told that it was the same thing as a XXXX card and would be accepted anywhere that XXXX cards were accepted. After multiple attempts to use the card in different locations they were all declined. The store managers at XXXX Discount tire at the following locations are specifically instructed to tell the customer that the card is accepted anywhere that discover cards are accepted. I know this because I was a manager there and was told this. When I asked for more information regarding this the Regional managers would reply with a script about not questioning things because we are proving help to the customer that can't pay. This happens in two specific locations and one manager would go as far as saying it would not affect the customers credit scores in anyway just to get the bonuses that were given for most sign ups of the card. The store is located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX and the manager that haas now moved up because of his lying to the consumer is named XXXX XXXX who is now at the location XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
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: Synchrony bank harasses me for another person 's bill, harasses me in person and slanders me for not paying when the charges are in dispute someone elses account on my credit report slandered and harassed over dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
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: Care Credit/Synchrony Bank card is a card that allows you to pay interest free for a specific amount of time depending on the amount of the transaction. These are called promotional balances. When you make a payment, Synchrony applies your payment in an algorithm to Promotional purchases and then to either expired promotional balances incurring interest or balances too small to fall under the interest free guideline. Synchrony does not provide on their statements how your payments are distributed to the aforementioned items. This was confirmed by a customer service representative while attempting to resolve this issue. The issue began on XX/XX/XXXX when we made our first call to Synchrony to request to pay off all interest bearing items and non-promotional purchase items. We were told this amount was {$2300.00} ( the total balance of our card at this time was {$3700.00} ). We paid the amount of {$2300.00} which we were told paid off ALL Interest bearing charges leaving only " promotional items '' that were not incurring interest. Upon receiving our following statement in XXXX, we noticed interest was still being charged on purchases when only non-interest items should have been on the statement. We called to question this and were told on XXXX that the original representative we spoke to on XX/XX/XXXX had " applied our payment incorrectly '' and that they could see that in the history. We were told that they would research and reallocate the funds properly. The following month we noticed 2 things : - The statement showed on XXXX a tremendous amount of charges, credits, or payments that made no sense. There was no detail or explanation as to what they were doing. - It still showed interest bearing items being billed which means that they had still not corrected the error. We have attempted to reconcile this monthly from XX/XX/XXXX to the current date of XX/XX/XXXX. We have never seen, despite requesting in almost every phone call, a detailed description or synopsis of how our original payment and any subsequent payments after that have been applied. As a result of not knowing what our true balance is due to incorrectly applied payments, we are questioning our balance for every billing cycle after XX/XX/XXXX. We request a detailed summary from Synchrony of all applications of payments, fees, charges, interest accrued, and any other attempts by Synchrony to make alterations to our account dating back to XX/XX/XXXX. We are prepared to pay almost our entire balance at this time, however, since we do not have any confidence that Synchrony is accurately reflecting our balance. We are sending a certified mail a formal dispute to Synchrony as well on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is the second time I had to do this with Synchrony BankXXXX XXXX XXXX Synchrony just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. Synchrony Bank even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in XXXX years. If there is anything reflecting a balance it is not me. It is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A