Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time ; never a late payment 2. The age of the account 3. The account is closed 4. Shows account status as " Paid Satisfactory '' After XX/XX/2018 there is NA payment history, the account is closed. Please remove from credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time ; never a late payment 2. The age of the account 3. The account is closed 4. Shows account status as " Paid Satisfactory '' After XX/XX/2018 there is NA payment history, the account is closed. Please remove from credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have filed a complaint on XXXX related to this. Complaint number XXXX Synchrony bank received a check from XXXX XXXX on XX/XX/2022. They deposited this check on XX/XX/XXXX. This was never credited to my account. I have called XXXX who took over the account at the end of XX/XX/2022. XXXX says Synchrony needs to take care of this. Synchrony said the no longer have the account. I have been sent back to XXXX from Synchrony twice. XXXX asked for proof of the payment by sending a copy of the cancelled check. I have done that. They still refuse to credit my account. I understated they still expect me to pay them the over XXXX that was already paid. They continue to charge fees and interest to my account and reported delinquency to the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39056
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with non-monetary relief
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: In XX/XX/XXXX, my account was fraudulently accessed and used. After I became aware of this, I contacted JCPenney Credit Services/Synchrony Bank to report that I did not use my account at any time during the month of XXXX. I was assured that I would hold no liability for the fraud because the bank has zero fraud liability. When the fraud was discovered, the account ( 1st account ) was closed and a new account ( 2nd account ) was opened. JCPenney Credit Services/Synchrony Bank transferred the balance I owed from account 1 to account 2. The balance transferred was XXXX. This should be the balance reported to the credit bureau however Synchrony has reported a balance of {$1500.00} which included fraudulent charges and interest charges on those fraudulent charges. JCPenney Credit Services/ Synchrony Bank knowingly reported inaccurate information to the credit bureau XXXX I was recently notified that JCPenney Credit Services/Synchrony Bank closed the second account due to two payments that were returned. Those payments were part of the fraud. I NEVER made those payments. The closure makes no sense. I owed a balance of {$560.00}, why would I make payments in excess of {$1000.00} to the account? They knew I owed only {$560.00} because they transferred that balance to the new account. Someone should have seen the activity on this account and questioned it BEFORE closing my account especially since one of the payments was made after the fraud was reported. The fraud payments are : a. XXXX XXXX b. XX/XX/XXXX XXXX JCPenney Credit Services/Synchrony Bank closed the second account in error and reported to the credit bureau the account was closed by grantor with a balance owed at {$1500.00}. The closure of this account and its reporting has adversely affected my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time, with the exception of a 30 day late payment in XXXX of XXXX. 2. The age of the account 3. The account is closed 4. Shows account status as " Paid '' After XX/XX/XXXX there is NA payment history, the account is closed. Please remove from credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received a Room to Go store credit card under a zero interest promotion for 3 or 5 years. I would have to look at my paperwork. As I'm paying down my balance, Synchrony Bank is moving amounts to a separate " purchases " balance that has no date and is accruing 29.99 % interest. Every month this miscellaneous purchase amount increases so as I'm paying it down, more interest is added to the account. Again a card that us currently under a zero interest promotion. Synchrony balance chased my account to the point of closure but as I continue to pay this account I want to know what this miscellaneous purchases is and why it increases every month and why is there interest. I did not make any purchases outside of the promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33314
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Bank sent a letter dated XX/XX/2021 stating that they created a CHARGE to clear a CREDIT on the account. Amount - {$550.00} Background : Received a discount offer from XXXX XXXX if I opened a credit card account. Opened and used card ( XX/XX/2021 {$490.00} ). Received merchandise. Received bill. Opened my online banking application and discovered I had a payee with the name of the bank on the bill. Payed the bill ( XX/XX/2021 {$490.00} ) Bought more items ( XX/XX/2021 {$86.00}, and XX/XX/2021 {$55.00} ). Received dunning notice for first amount ( {$490.00} stating that {$75.00} minimum payment was required ) Since I had made the payment and my bank statement showed it cleared, I ignored the notice. Started getting phone calls and voice messages requesting a {$75.00} payment. On { XXXX/XXXX/XXXX payed {$100.00} } to attempt to stop getting the phone calls. In frustration with the calls and increasing fees, made a payment ( XX/XX/2021 {$550.00} ) Opened banking app and discovered that the account I was paying was for another account number, XXXX XXXX XXXX not XXXX XXXX - same Bank XXXX Synchrony. I was unaware it had been set up probably years earlier. Called customer service ( XX/XX/2021 ). The CS rep XXXX was very helpful, and was able to transfer the {$490.00} payment to the proper account, and remove all fees. I received a check ( XX/XX/2021 {$550.00} ) and deposited to my bank account. Thought we were all square and XXXX balance. The XXXX XXXX account is clear and at a XXXX balance. I have made over 16 calls to customer service, spoken with supervisors who could see both accounts and they do not understand why the " false '' charge was created. One of the phone calls I received, the very aggressive Rep told me to return the {$550.00} check or pay that amount. I told him, I did not owe anything. My bank even tried to help by supplying account data showing my payments to their bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pay pal/ Synchrony Financial Bank states that I have a {$4900.00} credit limit account with them. There is a balance {$1400.00} that I supposedly used. I've never signed for that type of card or loan with them nor for that amount. I requested to see the original contract for proof the ownership for that account. They informed me that they don't have a contract to show me. The company has also made a payment to themselves on the account XXXX XXXX and stated it was from me in an effort to re-start the status of the account. Ive not made a payment to pay pal in XXXX from any account that I own because Ive been disputing the account since the closing on XX/XX/XXXX when I noticed the account details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I transferred {$95000.00} to Synchrony Bank account on XX/XX/22. I was not aware that the account was closed prior to sending the money. Synchrony has not returned the money to the account from which the money was transferred as of XX/XX/22 and claims to have no record of any transaction. Synchrony Bank has effectively stolen {$95000.00} from me. I reported this theft to both my bank and the XXXX State Attorney General 's office so far. Next week I will report to the FBI and local law enforcement. If necessary, I will hire a lawyer and sue Synchrony Bank for all the money plus legal fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A