Date Received: 2022-08-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've made all of my payments in full with the exception of 2 times. The wrong bank account was linked to my Amazon synchrony credit card, I tried to delete the bank account via the Amazon payment app but it would not allow me to do so since a payment was pending. My account was closed after the 2nd " dishonorable payment '' .Throughout my time with this credit card fraudulent activity was reported by me as well as over charging my account followed by returning the funds that were charged twice. I proceeded to speak with a customer service agent at Amazon synchrony and she was terribly rude and impatient. As a customer who makes all of their payments I was offended to be thrown into a category of irresponsibility by an account manager. Her name was XXXX, badge # XXXX. After an 8-10 minute wait I was transferred to another gentleman who was extremely professional and helpful. I did ask to make s formal complaint, and he said he could take my complaint. I was not very comfortable with that since he is an account manager and not in a human resources position. As a customer i felt cornered and helpless.Unfortunately I didn't feel that my case was going to have a thorough and fair review so I am reaching out for help. I take great pride in paying my debts and my credit history should reflect that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78552
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SynchronyBank has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
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: The company credit card Synchrony bank is the credit card option with XXXXXXXX XXXX. I made a purchase with them XXXX Spaces, which included furniture, and accessories. The accessories were going to be delivered via XXXX, not with the furniture. When I realized this I called the store the following morning ( XXXX XXXX ) after making this purchase to cancel the accessories because the shipping address was not a safe location. I assumed they would be delivered with the furniture at first but when I realized I canceled them within 24 hours. I spoke with them they confirmed via phone that they were canceled and advised me I would get an email. The following day I called XXXXXXXX XXXX again to advise that I had not gotten the cancelation email again they confirmed the items were canceled. Come XXXX weeks later and they are charging me for these items. XXXXXXXX XXXX admitted to making an error, and on top of that, I was never emailed any tracking information until I contacted them about the charge 3 weeks after the items were delivered. I advised that I was not at that address which is why I canceled them initially. XXXX XXXX did not want to help so I contacted Synchrony Bank and filed a dispute. Synchrony bank was also no help they never sent me a letter or email. When filling the claim the claims department has no proper way of you submitting evidence. Now they are charging me for items I have never received over {$500.00}! I need help this credit card company has no real process in addition on their website there is no proper way to view claim status. Please help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: After having closed an account with Synchrony Bank, they have enabled, aided, and abetted fraudsters to open an additional account using my identity and Social Security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85719
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company is using unethical tactics to avoid a resolution to my complaint. Their represented told me a lie while on the telephone call while setting up a payment plan. Because of this lie my credit has suffered and this company is not being truthful avoiding fixing the issue. I have tried calling and can get no one on the line with the email sent to me. The company realize my phone number is no listed as do not call. So they are blowing my complaint off. I want this company held responsible for providing false information or I will seek legal representation to subpoena the phone call during the payment plan agreement. This company also had a collection representative answer a phone call without disclosing were were on a recorded line. Which is a collection violation. This company has exhibited unethical behavior over and over and fail to rectify the situation. I guess this company will not understand until legal action is involved. So to avoid this, I asked this company update their reporting with the credit bureaus and remove the 60 day lates. Everything mentioned in this complaint can be found on the company 's phone logs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I held Synchrony credit cards for 8 years ending in 2020 when for no reason whatsoever Synchrony closed them all. I *never* mishandled credit my entire life, have an exceptionally high credit score and a 30-year solid credit history, yet Synchrony invented a lie and closed my accounts. When I filed a CFPB complaint about this in 2020, a Synchrony executive office staff member promised me that I was not blacklisted and could reapply. Every time I reapply Synchrony immediately refuses my application because I am blacklisted. I received a pre-approved offer for a Synchrony MasterCard and submitted the application. They pulled my credit bureau reports and instead of giving me the results, they directed me to a website XXXX. This website does not belong to Synchrony at all and it is instead a website for a XXXX company written only in XXXX. I believe Synchrony is illegally discriminating against individuals because either they are stationed overseas or for other illegal and immoral purposes. Also, Synchrony has shown themselves to be liars by blacklisting when they have expressly promised they were not,.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank closed multiple credit card accounts, many with rewards that disappeared with the account closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Sync/paypal bank has pulled my credit without my permission they dont have anything i signed for this credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I went to buy a washer and dryer and this store they offered me 0 interest in 12 months to pay i made all my payments even made More than what the minimum payment was and now they are charging me over {$1000.00} dollars in fees that I have no clue why
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. SYNCB/GAP XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A