Date Received: 2022-09-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Synchrony has closed and lower credit limits for absolutely no reason over the past year. All of my accounts with them are/were in good standing. They have dramatically affected my credit score and my ability to get new credit. They have lowered my rooms to go, they lowered my XXXX card twice. They closed my Lowes Card with a XXXX limit with XXXX warning and it had a XXXX balance. There carelessness for an account holder who always made on time payments has caused drastic ripple effects in my life. Higher interest rates and now I cant get approved for anything. This bank is a predator!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My payment is a month behind and I am trying to get caught up. As soon as the next payment becomes due ( the second of the month ) and not paid they start calling three to four times a day daily Monday through Sunday ( they call once or twice on Sundays ) until a payment is made. When I pick up to try to make arrangements to pay its an automated call and my choices are to pay now OR to pay now. Sometimes they let me choose a date three days in the future and I don't get an option to speak with a representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
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 Section2 : 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: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: A transaction was made using this credit service and the product was unusable due to security and safety policies issued in light of XXXX. The merchant was unreachable and up to today, no response has been received about a credit or refund. The transaction has gone into collections and was left with no option or assistance by the credit issuer to issue some form of protection. Currently, I have set a minimum payment to be collected by the credit issuer however I am compelled to pay the maximum amount of interest for the past two years on a very small balance. I have contacted the credit issue or almost a dozen times to resolve and no level of authority within synchrony banks organization has demonstrated any ability to sort this out. I am left with no control over my ability to save from paying additional interest due to a locked and closed account. I am being forced to pay undue interest caused by PayPal credit/synchrony banks operational negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX that I owe Some account ending in XXXX. Synchrony Bank All my accounts were paid. XXXX XXXX Carecredit I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. I need help for them stop. Sincerely XXXX & XXXX XXXX
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: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, my Paypal account was hacked. The individual who hacked my account was able to change my address and phone number, and initiate transfers from my bank. The individual attempted to add additional banking information, but that action was somehow blocked. They initiated a {$100.00} transfer from my checking account and another {$100.00} transfer from my savings account. I alerted my bank, XXXX XXXX, and they were able to block the transaction from my savings account, I also deleted my savings account information which may have prevented the action. The {$100.00} transfer did occur, but ultimately landed in my own paypal account. Assuming my account was safe at this point because I changed the password and added double authentication, I sent the money back to my checking account and alerted my bank that the issue had been resolved. However, yesterday, I received notification that my Paypal Credit ( Synchrony Bank ) account had been closed and reopened with a different account number. When I called the credit company to find out why this action had taken place, they indicated it was because someone had called on XX/XX/2022 indicating that they were me and that fraud had occurred on the account and they wanted it closed and reopened under a different account. I did not make that phone call. I closed the account today, but assuming this individual had enough information to close and reopen an account, I am concerned that they can reopen an account basically anywhere. Both paypal and paypal synchony bank offered insufficient security, allowing someone first to initiate transfers from my bank by easily changing address and phone number information, and secondly, have such insufficient security that they were able to impersonate me in a phone call on XX/XX/XXXX after I updated all of my security settings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The debt collector XXXX XXXX XXXXXXXX XXXX They already sued me for the balance of {$640.00} they said that I have been using the amount for my JC Penney credit card for shopping, the account does not apply to me because someone has been using my information my I.D, S.S, and opened this account in Nebraska XXXX and I never lived there before and that account has been opened my someone in XXXX Nebraska and the address was XXXX XXXX XXXX, XXXX, Ne XXXX and In the same year XXXX I was having issues for my federal tax and I have a case already with IRS so please investigate this problem. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Report 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 that a consumer reporting agency can not furnish a account without my 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: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The companies that I submitted have made inquiries on my account without my knowledge and have chosen after receiving my first complaint to leave them there due to specifics instead of verifying that it was allowed initially ; which is unlawful. 15 USC 1681 a 2 ( A ) i
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A