Date Received: 2022-08-30
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 an account without my written instruction. 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: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my Synchrony Bank/Amazon card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. XXXX, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I paid for to reserve a room via XXXX Two days later I received a refund from the host because she cancelled my reservations. PayPal received the amount of {$130.00}. My bank account still does not show the funds returned to my account. These are are " floated '' to maximise profits for Pay Pal. Pay Pal 's that I " must allow 3-5 days from the funds to return to my XXXX checking account.
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: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I purchased furniture at XXXX XXXX on XXXX/XXXX/XXXX and used their promotional offer of no interest paid during the XXXX moth period I was offered. I enrolled in auto pay so that it would be paid off on time based on the calculations the store and credit company gave me. Fast forward that time frame and synchrony, the credit card company charged me up front all the interest not paid due to my account still having a balance by the end of the 24th months, I of course was very upset at them and rightfully so because they gave me the dollar amount to pay monthly so it would be paid off in full which apparently it wasn't enough so on XX/XX/XXXX they added all the interest not paid as a due balance and even though I didn't agree with it I continued making the auto pay to now pay off the interest owed during that time frame, well fast forward to XX/XX/XXXX and I noticed that they are now charging interest as if this is a new PURCHASE eveey month they charge interest on TOP of the accelerated interest they had already charged me!! At this rate it will never be paid off!!! they are applying a very minimum amount towards the balance and I'm nowhere near paying off the original interest due to this blatant fraud. Please see attached statement where their statement of how interest is charged at the end of promotional period is extremely misleading. I have been paying under the impression that I'm just paying the interest owed from the date of purchase UNTIL the end of the promotional period. NOT that the company would charge interest on TOP of interest already owed. This is NOT a purchase balance now it is ONLY the interest accrued during the promotional period and until it ended. This is clearly a fraud being committed by this company and abusing consumers by misleading and fraudulent charging clients. I purchased a bed set for my daughter, should have been about XXXX it is now costing me over XXXX based on this fraudulent activities allowed by this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: First, I could only choose XXXX option for the product I am complaining about, but to be clear, this has happened with a Venmo Credit Card, as well as Care Credit ( medical procedure purchases ). Based on many other complaints Ive read tonight, Synchrony is an unethical company and has hurt many consumers credit ratings. This includes preventing someone from purchasing a home. For me personally, they recently prevented me from having the funding to start a small business venture ( Venmo credit ), which was a shock and truly detrimental to me after I had been counting on my open credit to create my business plan and startup my small business. This was an unfounded decision that came seemingly out of the blue. XXXX year ago, I opened a Venmo credit card and had a {$5800.00} credit limit. Mind you, my credit was less than XXXX due to a bankruptcy following a divorce, so I was pleasantly surprised at the limit. However, out of the blue ( XXXX or XX/XX/XXXX ), I tried to use my card to make a purchase to start my small business venture, but was declined, because I had a {$400.00} something balance and to my surprise, was only {$12.00} away from my limit. I should have had over {$5000.00} to use. Needless to say, I was very confused because I had JUST paid off my card the month before ( and many other cards with Synchrony ). I was never late. I was furious! I called them and received no explanation for why this happened. Just a sorry for your luck type of attitude. Fast forward to today ( XX/XX/XXXX ) I just learned they actually CLOSED one of my other accounts ( Care credit ), which I use from time to time for dental work and other medical bills ( over an {$8000.00} limit ). The weird thing with this one is that my mom is also on the account, and she has near-perfect credit. So bizarre! I have MANY other cards with themso Im just waiting to have them all shut down for no reason whatsoever in addition to the other two. Also, I should add that my credit utilization rate is currently at 22 % ( which disputes their claim that I have too many high balances compared to limits ). I worked very hard to get my credit to this point ( this time last year when I was approved, it was probably closer to 50 % ). My credit score was higher than it had been in years..I had paid off many of my cards, which brought my utilization rate down to 18 %. So Synchronys big thank you for paying off my card was too royally XXXX up my utilization rate, and leave me with a score about 100 points lower than what it was. Now, I cant get approved for hardly anything, including a business card. I have included a screenshot of the reasons they closed my account, none of which are valid. I have ONE derogatory mark on my credit ( as I mentioned ) that is almost seven years old, and NO derogatory revolving accounts. And as I mentioned, the balances on most of my cards were paid off just two months ago. Because Ive had to use them instead of the Venmo card, they all now have small balances again. This company seemingly goes through customers accounts and shuts them down with no notification or explanation. Its absolutely unethical and unprofessional, not to mention the havoc it reeks on its customers financial health. Im sure they will use my newfound POOR score to close the other accounts as well. If you visit other complaint sites, you will see that Im not alone. This is a regular practice of theirs. Synchrony, how are you still in business?? Especially in a post-pandemic, high inflationary world, this is a cruel and unusual practice for your customers who are simply trying to keep their heads above water. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30504
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 paid
Consumer Complaint: Im the fall of 2020, a settlement was reached with Synchrony Bank to settle a credit card debt for less than what was owed. All payments were made. In XXXX of this year, I discovered that they had turned the debt over to a collection agency claiming that they didnt receive one of the payments. I have sent proof that the payments were made, but they keep denying my disputes and wont remove this debt from my credit report. The name on my account is XXXX XXXX, my previous name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
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: 2022-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: last XX/XX/XXXX i noticed 2 credit inquires, syncb/j.c.penny XX/XX/XXXX and XXXX XX/XX/XXXX. i immediately called both of them, told them that i never applied to either of them. after they both reserched the accounts, they both concluded that someone fraududently tried to open an account. they both said that they would send a letter to XXXX to get it deleted off my credit report. i also requested that letter to be sent to me.they said that they would. they also said it would take30-60 days for the deletion. i said o.k., long as it is done. 3.5 months later, there is still no deletion. i called them back again to find out whats going on. they said they sent the letters to XXXX. XXXX told me, no such letter has shown up regarding any deletion. i asked them to send it again. they both said that they will. XXXX said that they never got letter, nor did the send me the letter as i requested. to date XX/XX/XXXX i have contacted both again3 or 4 more times about this. no letter has shown up at my residence or XXXX. every time i asked them to mail me and XXXX, they always said they would. and as allways no letter is sent. i'm just trying to get false info off my credit report. i have worked hard rebuilding my credit, up XXXX points in a year now up XXXX points to date. please help me get this false info off my credit report. syncb/j.c.penny XXXX and XXXX XXXX phone numbers. my name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ohio XXXX my phone number is XXXX my email is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44514
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have a synchrony credit card which was used to buy furniture XX/XX/2022 I was quoted a price by my sales woman and told I had 2 years to pay it off she never at one point mentioned I was in any type of promotion then whats one year came around and I was half way done paying the card off my amount basically reverted back to the originally balance of XXXX once I called to see why it was stated that my one year promotion which I did not know I was in has ended I then proceeded to make a dispute with XXXX but the only outcome i had with that was them locking my online account so I could not pay my bill this was last month I just tried to log in again and it was successful so I can pay the bill for next month but I still may have a late or missed payment on my credit as of now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
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 placed a {$350.00} internet order with my with XXXX Synchrony credit card on XX/XX/XXXX. That order was never received despite XXXX indicating that it was. I tried to contact the store via their customer service line over the next 4 days to resolve the issue, and each time I was promised a call back from the store manager within 24 hours. That call never came. On XX/XX/XXXX I contacted the credit card issuer Synchrony Bank to dispute the charge for non-delivery. On XX/XX/XXXX XXXX provided to Synchrony as delivery 'proof ' a screenshot of their system saying the order was delivered, which Synchrony accepted. On XX/XX/XXXX I resubmitted the dispute indicating that no real proof of delivery had been provided ( e.g. a delivery signature, or a picture of the item delivered on premises ). On XX/XX/XXXX XXXX sent the same screenshot of their system indicating delivery, and Synchrony bank accepted this again. As of XX/XX/XXXX I am currently in the process of disputing this charge for non-delivery a third time. This was a very large, palleted item to be delivered on a flatbed truck, I was home and there are security cameras all over. This wasn't a case of theft off my property. I've been a customer with Synchrony on this card since XXXX and this is the first time I've disputed a charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I opened an SYNCB/TJX XXXX XXXX Card in XXXX of XXXX approximately, I used the card for about 9 months, after that, I had my wallet stolen with my picture ID and copy of my social security card, my bank card, and my SYNCB/TJX card. I suddenly received a bill from SYNCB/TJX, and I contacted them to explain what had happened, in a few words, they said that I owed them money and I needed to pay them all the charges, plus fees and interest on purchases that I never made and I reported fraudulently. I explained that I would not pay for something I did not purchase, and they threaten to continue to collect the funds and damage my credit. They have damaged my credit and my ability to live a normal life. Until a friend told me I needed and could report this issue to you. I am asking for your help to have SYNCB/TJX, drop all the charges since they are not my charges and this situation was reported. Please have them mail me a letter confirming that I am not responsible to them for any amounts owed and that they have been aware of this situation for years. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX SSN : XXXX DOB : XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84088
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A