Date Received: 2022-08-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank XXXX XXXX XXXX XXXX Florida XXXX XXXX I opened a credit card account with Sams Club Warehouse through Synchrony Bank that offers rewards which were dollars on your account. I had a {$12000.00} card limit and I paid it all off and stopped using the card. Not realizing I had accumulated rewards in the amount of {$87.00}, approximately I cut the card up. Every time I visit Sam 's Club the register informs me that I have {$87.00} on my account and asked if I would like to use it. One day, one of the register attendants asked if I wanted to use it and I said yes. When we hit the yes button it informed me to insert my credit card. I told her I paid off the card and cut it up. She instructed me to go to the front office to have them to give me the money since I do not have the card anymore. One day I stopped at customer service to withdraw the cash from my card and the Rep told me to call Synchrony Bank to send me a replacement card so I can withdraw my funds. When we called the Bank on XX/XX/2022 they told us to send a video of myself along with my ID, front and back. My sister click the link and followed the instructions to send this info. It did not work so they told us they would email us a link so we could do it on the computer. We never received the link so on XX/XX/XXXX we received a letter from Synchrony asking us to call them with a code they had in the letter to verify my identify. We called Synchrony on Monday, XX/XX/XXXX to verify my identify so we could request a replacement card and they refused to help me because they said they closed my account on XX/XX/XXXX and they can not reopen. I asked, why did they close my account when they knew I was trying to get my rewards money off this card so I can purchase some groceries. The card was paid off and I did not ask them to close my account. Nothing was sent in the mail informing me to use this account or it will be closed. I talked with XXXX the customer service rep at Synchrony informing her to help me with this matter and she informed me of the above scenario that the account was closed. I then asked for someone higher than her and that's when XXXX, the Account Manager for Sam 's Club Credit Services informed me that there is nothing they could do to help me get my rewards money from this card since the account is closed. Its as if I needed to open another account and start all over again because this money that I earned before is no good for me now because it has expired. Nothing was ever told to me that the reward money would expire and every time I went to Sam 's it asked if I would like to use the money on the account. I am asking for Sam 's Club or Synchrony Bank to please honor my rewards that's on my card so I can purchase me some food. I am a XXXX year old XXXX that needs all the assistance I can get at this time in my life. I just want them to honor what is rightfully mine and I need your assistance in helping me to achieve this. Sams Club informed me that normally Synchrony Bank would either send you a replacement card or cut you a check for your reward money thats on your account. They said Synchrony had done this for many of their customers. I dont understand why they cant do it for me. Your assistance in this matter is greatly appreciated. Thanking you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had a Care Credit account for over a year for a {$800.00} balance. The balance has barely moved and if you are just a couple days late they charge about {$40.00} in fees every month. These guys are a scam and really should be shut down. They were recognized as such in the past, now they are back doing same thing. I have called to correct this a few times, but am fed up with their unethical stuff.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XXXX of XXXX I purchased a bed from XXXX XXXX through their Synchrony credit line. I immediately paid my account off whenever I utilized. Initially we were having problems with them sending the bill to the correct address after updating it with them on several occasions. Recently, I wanted o take advantage of another one of XXXX XXXX sales and contacted XXXX of the sales representatives that always helps me in my purchases. When the representative went to make the purchase he discovered that my limit had been decreased without me being notified. It was my understanding that I had the same limit since I opened the account. When we tried to speak to Synchrony in reference to this matter they stated that they were merchant services and I would need to speak directly to a customer service representative. In speaking to this representative, I was told that they would have to run my credit again for an increase. The representative also could not tell me if it would be a soft pull of credit or hard pull. They just kept saying that they had to rerun my credit. So, I am now concerned because I again was not made aware of a credit decrease and my understanding is my limit was the same. I have used my card when needed and have not had problems before. What truly has taken me aback is my account being in good standing and the unknown decrease in credit. I have not received any information that speaks to a decrease, let alone have I received a bill from them since my account has been paid in full for some time. When I tried to increase the limit back to the original amount that I was approved for I was denied. I asked the representative to lose my account because there was no use for an account that I could not utilize to pay for the goods that I wanted to purchase. Again, I just purchased multiple things from XXXX XXXX prior to today XX/XX/XXXX. I as a consumer should not have this inquiry go against my credit when I was initially told that I had a certain line of credit and paid the account in full before any payment was due. Synchrony is tarnishing the positive relationships that XXXX XXXX has with those consumers who are repeat customers who have paid their account balances in full. Please note that the XXXX XXXX representatives are the reason my family continues to come back. We have been loyal customers with XXXX XXXX over 20 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Unfortunately, my wife filed the first complaint under her name XXXX XXXX and I am the card holder, XXXX XXXX. I have been ill for over two years and she is my power of attorney and handles all this for us. Her complaint number was XXXX filed on XX/XX/22 with all the pertinent information about two outdoor ceiling fans ordered from XXXX that we did not order or receive or have any place to hang them. We have already cancelled our credit card with Synchrony and paid all the charges we made in full and refuse to pay for something we did not order or authorize or receive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have been trying to resolve this problem with HSN for 4 months with no success. I have called HSN a number of times to ask for information on my account. I havent used my HSN card in about 5 years and I can only remember one purchase for an XXXX. This would have been paid off long before now since I have made regular payments. HSN used to be with XXXX XXXX, then changed to Sychrony. I called XXXX and they were not able to help from lack of information from HSN. I called Sychrony Bank in XX/XX/XXXX, and they tried to help. We did a 3 way call with them, myself and HSN. Still the billing supervisor at HSN could not see any record of a purchase beyond the XXXX that i knew about. They do not know why the statement was so high in XXXX of XXXX when the XXXX was purchased for {$500.00}. My payment were not late so I just continued to pay. Now I have to have answers to this issue and my husband is ill and I do not have the time or INCOME to keep paying without knowing what it is for. I have reported this to XXXX, XXXX. I believe the bookkeeping at HSN is terrible, and they offer no resolution. I am now getting a bad credit score because of HSN. The account is SYNCB/HSN account number is XXXX I just want to know what I am being billed for not just what they say I owe them. I think my account has been compromised by another customer or some other type of fraud- or they would be able to tell me what these charges are for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I went to a Dentist appointment and tried to use my Care Credit card issued by Synchrony Bank. I was told by the Dentist that they could not find an account in my name using the last four of my social. On XX/XX/XXXX, I called Care Credit and the automated message said I had an account ; and, when I spoke to a representative they informed me that my account was closed by Synchrony. I asked if I could reopen it and they asked to run my credit report and I agreed. I was then informed that I was denied credit and my account would stay closed by Synchrony. Yesterday, XX/XX/2022 I received my " denial letter '' from Synchrony with reference to my application for my care credit card. The denial reason was " existing account with our credit program. '' So, do I have an account or not. If I do, why did you state that I didn't and then run my credit report again? Synchrony Bank continues to play around with my credit and ruin me!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: RE : Synchrony Bank, and " nefarious enrollment practices. '' In XXXX I opened a Synchrony credit card account at my dentist office. It was explained to me, by the staff at the Dentist 's office, that I could pay my bill with a synchrony credit card, they could open the account for me. This account, they explained, would allow me to make a monthly payment on the loan which would be interest free for 18 months. Once I was signed up, Synchrony give me a minimum monthly payment, {$100.00}, and said - the website said - that as long as I paid it regularly without missing a payment I could maintain the interest free promotion. For 18 months I made this a payment every month and had no interest on my loan. In XX/XX/XXXX the balance was {$620.00}. That was the end of the promotion. I just now realized at the end of the promotion, Synchrony did not start charging me interest on the remaining balance. They retroactively charged me interest on the entire 18 months Ive had a balance. {$890.00} in one single charge for back dated interest. At no point in the process of my enrolment was it explained or suggested that the promotion was a countdown -- you had 18 months to pay off the loan, after which you would have to pay interest on the loan from day 1. I thought I would start paying interest on {$620.00} but I was charged for the entire loan ( I think it was XXXX dollars but I don't have that information right now ). I called the bank and spoke to a customer service representative, she then put me in touch with a manager. His name is XXXX, when he explain the situation to me I was so flustered I neglected to write down the exact word used for this retroactive charge. It was not backdated. '' But it was a similar sinister and deceptive phrase. Alarming! I inquired where the bank was located and XXXX said, or CLAIMED I should say, that the bank had no physical presence. When I asked where it was incorporated he said that there was no actual physical place where the bank could be contacted. This alone is clearly a falsehood. The bank is headquartered in XXXX Connecticut. I see from XXXX that an earlier incarnation of the bank was caught in just such shady practcies : " the U.S. Consumer Financial Protection Bureau and the Department of Justice reached a {$220.00} XXXX settlement with the company after it entered into a consent decree with the Consumer Financial Protection Bureau. The settlement stated that while operating as GE Capital Bank, the company had engaged in deceptive and discriminatory credit card practices, primarily surrounding nefarious enrollment practices for add-on programs such as financial hardship relief. '' The entire press release from XXXX is attached. I am writing to complain about a " nefarious enrollment practice, '' circa XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
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: Regarding Ashley Furniture - Synchrony Credit Card Since I complained AGAIN in XXXX they lowered my credit limit from {$1100.00} to {$260.00}. They said that it was due to my credit score. But my credit score was higher than it was when I was originally approved for the card. Lowering my credit limit caused my credit score to drop XXXX points!!! On XX/XX/2022 I entered an order online for a dresser/mirror combination for {$550.00}. I decided that I didn't want it and canceled it XX/XX/2022 online. It was canceled within XXXX hours. After it showed up on my account as delivered I sent in a dispute form. I called Ashley Furniture and they told me to get in touch with Synchrony Bank. I called Synchrony in XXXX, XXXX, XXXX & XXXX. The last time I spoke with someone there, he said that the cancellation was just entered in XXXX and I would have to wait TWO MONTHS for it to show up on my account. Now, even though they owe me {$550.00} I keep getting emails telling me that my payment is late. I have kept paying the payments early so it wouldn't adversely effect my credit rating. But I'm not going to keep paying them while they owe me money!! According to them I owe them {$58.00} that is showing late on my statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am not a current customer of Care Credit. I was looking into applying for a loan/line of credit with this company until I saw the outrageous APR interest and how interest can be applied. I am a citizen of Louisiana where the interest on such loans is capped at 12 %. The state Care Credit is based in caps interest at 10 % and the bank it uses, Synchrony, is capped at 12 % in its home state. Yet these companies participate in usury and go unchecked. Their practices are predatory and they should be held accountable. After reading dozens of reviews and reading Care Credit 's user agreement I opted to not apply and to report them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71203
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sleepys/Mattress Firm loan for mattresses purchased in XXXX by my then husband, XXXX XXXX XXXX XXXX XXXX referenced number XXXX XXXXI, XXXX XXXX XXXX XXXX had nothing to do with that purchase. I for this seven year period have requested, to no avail, verification of my signature on the loan application. I believe the woman sales person worked with XXXX to put my name on that loan. I was not provided that information. My name and vital information was given without my knowledge or permission at the time of purchase. XXXX and I were still married at that time, and I was aware of the purchase. We shared the payment of the monthly bills. I made payments with my checking account for XXXX while unaware that my name was on that loan account with Sleepys/Mattress Firm . I gave him the check and he mailed the payment. I now know why he did not show me the payment stub, bill or mailings. It was because he did not want me to know that he or the salesperson put me on that loan without my permission. I have been fighting this for seven years!! We divorced shortly thereafter ; and he stopped paying the loan knowing my name was on it and I would be responsible. That was the type of person he was. He is now deceased ; and I'm still trying to get the charge off from my credit report. Please help me. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A