Date Received: 2022-08-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I am XXXX XXXX I bank with synchrony bank online they have frozen my account and told me it will take 30-60 days for them to give me a review update.it 's lots of reports online from them freezing lots of customers ' accounts. I have been with them since XXXX, they locked my account on XX/XX/XXXX of XXXX. I simply had my casino online winning deposited and also paid my XXXX XXXX XXXX XXXX with no issues, then all of a sudden they blocked my account. I have asked to speak to the head manager they claim that they do not operate out of an actual banking location but instead they have different offices which is a red flag. They refuse to release my funds and reinstate my account the funds are rightfully mine a total of XXXX in total they are holding. my casino winnings as you can see below my winnings are here. I had them deposited to synchrony bank. the deposit came into synchrony bank as XXXX XXXX wordplay it'd from XXXX XXXX XXXX. It does not take 60 days to review someone's account. that's ridiculous!!! I can be reached at XXXX Congratulations! Your prize redemption request has been successfully processed into your nominated bank account. Please note it can take up to 10 business days to appear in your account, especially if this is the first time you are making a redemption. Your transfer might happen sooner if you have redeemed it in this bank account. We've made the payment to your nominated account with the following details : Transaction ID : XXXX Use this transaction ID to check against your bank statement. Processed Date XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX This payment refers to the following redemption request : Reference number : XXXX Total Amount Redemption : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: SYNCHRONY FINANCIAL XXXX I tried to purchase a item at a XXXX XXXX XXXX and a salesman decided to run my credit to see if I can purchase the item.ask would this get me any hard inquiry on my credit report he said no.he ran up and supposedly my card was to low for the purchase.so told me about SYNCHRONY FINANCIAL and I wasnt interested and told him I dont want the service and said ok.I went home later that day and realized that my credit score dropped and one hard inquiry on my credit report.he use my information and me up with out my consent after I refused his financial offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have this Paypal Mastercard since XX/XX/XXXX, the mailed agreement says there is NO FOREIGN TRANSACTION FEE. In XX/XX/XXXX I have booked flight tickets and hotel abroad and the FEES were charged as 3 % over my purchases. I have called Paypal Mastercard on XX/XX/XXXX, they said they changed the agreement rules and I should be aware the foreign fee were 3 % now. I have NEVER received the new agreement, so I want the fees waived from my statement, here is breakdown ; FOREIGN TRANSACTION FEE {$58.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$49.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$36.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$29.00} XX/XX/XXXX Total Charged over Foreign Transaction Fees : XXXX USD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I contacted Synchrony bank after my last payment in XX/XX/2022 and let them know I was having a hardship and would be late on payments until XX/XX/2022- I was informed that as long as I resumed payments by XX/XX/2022 my account would remain open. I was not offered hardship assistance. On XX/XX/2022 they closed the account with out notification which has now ruined my credit for the next 7 years and will prevent me from buying a car or a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02474
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. Unfortunately, your agency is in a clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : Old Navy Account Number # XXXX Account Name : XXXX Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX, I paid a {$9.00} Amazon card bill a few days late -- it was due on the XXXX. I called and explained that it was late because my daughter had XXXX, and was told the late fee ( also XXXX ) would be refunded. That {$9.00} was a recurring monthly charge, and the next time I paid early. But my next bill, for XXXX, read : XX/XX/XXXX Payment - {$9.00} XX/XX/XXXX Refund of Late Fees - {$9.00} XX/XX/XXXX Amazon XXXX - {$9.00} XXXX LATE FEE {$19.00} New Statement Balance : {$29.00} When I called, I was told that the refund only applied to my total owed and not my monthly amount due, and so I was technically late because I had not paid the first late fee before XXXX, and that I had erred by making two payments in XXXX, which the system could not handle. After being on hold for a long time, I was then told I would have to pay the XXXX late fee, even though I owed nothing at the point it was assessed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company by the name of XXXX XXXX XXXX have been calling my home 7 times per day every day even on XXXX even after I have asked them to stop I advised that I dont have any business relationship with them and if there is any communication to be had then they should mail it. This harassment continues as of the date of this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to XXXX XXXX at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I paid my Belk/XXXX on XX/XX/2022 through my bill payer account. I paid more than the minimum amount due. My bank showed the payment posting on XX/XX/2022. I recieved an email from belk a few days later saying that they did not recieve the payment and that i was going to have to file a missing payment form. i had to wait for my bank statement. on last friday i got an email from belk saying that the payment had posted to the account on XX/XX/XXXX. then i got a notice from synchrony bank saying that they closed that account and all of my other accounts that synchrony services. i dont think it is fair that all of my accounts have been closed when i in fact paid the bill on time and something happened between then bank and the credit card company. Belk JCPenneys Care Credit American Eagle XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33903
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am having XXXX XXXX on the XXXX of XXXX My doctor uses Care Credit . 24 mos. No interest. Went online and filled out the information, which consisted of my name, address, and amount of XXXX, SSN. I received Pending number XXXX. Several days passed I called the number XXXX XXXX XXXX. The person said I needed to go to Varify on my phone only because the camera would be used. Synchrony varify.syf.com I worked threw it, took a video of myself, then took a photo of my driver 's license front. I went to the back to it but could not get the picture. it kicked me out and Blocked me. I called the number XXXX the person I talked to said they got what they needed, just first front and back of the License plus photo and info. Then she said to wait a minute it just popped up on my computer you have been denied. I asked how could that be possible you didn't ask for any banking info or had time to check my credit. Her demeanor changed she said you will receive a letter in 7-10 days telling you why you have been denied. I asked to speak to a supervisor. No help just the same 7-10 days your letter will tell you why. I called my Doctor office They tried to help same answers. Their office called the Care Credit Rep. he was going to look into the problem. Never heard from him. Received a letter saying I needed to finish my application When I called got the same answer oops you have been denied. No one tried to help even when the doctors office called them same answer. I have a XXXX credit score just by myself for {$6600.00} dollars. I do beleive they saw my photo and age and they said not this one. I have paid my doctor and was unable to take advantage of the offer and not help to rectify the problem from Sychrony Bank. I would like to be reimbursed for lack of customer care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A