Date Received: 2022-08-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022 I was making a payment on my XXXX XXXX Synchrony bank credit card. I added a new bank to make my payment from. I made a mistake when selecting the type of account I was paying from. I selected checking account when it is actually a savings account. I learned a couple days later the payment was declined. I then added the bank account again, this time correctly listing the account as savings, and I submitted my payment. About a week later I got a notice of closed accounts on my credit report. When I looked into it I found that all of my Synchrony bank credit cards, XXXX XXXX, XXXX XXXX, XXXX and XXXX were all closed. When I checked I found my second attempt to make a payment on my XXXX XXXX XXXX did not go through, showing as rejected. After calling Synchrony, an agent told me I could not do an online payment using a XXXX account. Their website did not give me a warning the payment would not go through. I checked with my bank and I was told the second payment attempt was never presented to the bank to pay. The Synchrony agent said I could use a savings account for payment over the phone, just not for online payments. She took my information, using the same account I was trying to pay from, and my payment went through without problem. On all the cards that were cancelled I never had a late payment, I never went over my credit limits, I only had a small balance on XXXX card that I immediately paid in full. When I called Synchrony requesting my credit cards be restored I talked to several agents and all said that was not possible, referring to Synchrony 's policy in their terms they can cancel cards at any point and for any reason. I asked to talk to managers and was told the same. I was always respectful talking to the agents. I think Synchrony cancelling my cards were not right, I made a simple error, and their own computer system did not alert me a payment would not go through when I tried to correct. When the second payment attempt was rejected I did not get notification of the problem until after all my Synchrony cards were closed. I did not get the opportunity to correct the problem. I feel closing my cards was an unfair practice considering Synchrony 's own system was the problem my second payment did not process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45750
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have the right to privacy and never consent to report or was told I have the right to opt out this is identity theft and is violation of my consumer rights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I opened an account with Ashley Furniture and they used Synchrony Bank. I was not supposed to be responsible for any payments until I received the items. I did not get any items and got charged. On XX/XX/XXXX I went in person to Ashley Furniture at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) and spoke to the Manager, XXXX. The interaction lasted 38 minutes and 10 seconds and is recorded. In the recording you can hear the Manager, XXXX, state he closed the account under " Manager Approved Exception. '' He also told me to contact their Guest Response Team at XXXX. On XX/XX/XXXX at XXXX I called the Guest Response Team. I spoke to " XXXX '' for 38 minutes and 23 seconds and it is recorded. In the recording you can hear the representative close the account and create a ticket # XXXX regarding the rug that was showing in their system as delivered even though I never received the item. I have file 2 complaints with the CFPB concerning the unethical business practices and inaccurate credit reporting. Both times Synchrony Bank has refused to acknowledge they are billing me for an item delivered to someone else. On my credit report, It is showing the account as " open '' when I have 2 recorded conversations from 2 different people in 2 different departments stating the account has been closed. I received a typed response to my CFPB complaint stating they closed the account on XX/XX/XXXX and listed the account as " closed by grantor '' even though I have recorded conversations on 2 separate days requesting the account be closed. As of today, XX/XX/XXXX, Synchrony bank is still inaccurately reporting to the credit bureaus. I will be pursuing legal actions against Synchrony Bank because of their violations and con-compliance with all applicable laws and regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
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: Dear CFPB Officers, On XX/XX/2022, I have made a purchase on XXXX for an order that requires signature. My previous order was lost because XXXX left it unattended and did not collect my signature although XXXX said, " Signature required at time of delivery '' on its " Place Your Order '' page ( I also filed a complaint about it with CFPB moments ago ). This time, I decided to stay at home during delivery time frames to make sure my order was fulfilled correctly. An XXXX delivery guy threw my item in front of my doorstep and ran away, again. I caught him on his way, confronted him, and asked him why he did that although my order was classified as signature required. He asked if I still want it or not, he said he did not have time, and if I don't want it, I can give it back to him. Frustrated, I decided to open the package to make sure it was OK as he threw it violently. Surprisingly, I realized that was not I ordered although the name on the package is mine. I asked him about this, inspected the package with him, and asked him to be my witness in case XXXX argue about this. The XXXX delivery guy took out his phone, called somebody that seemed to be his manager, and asked me to talk with him over the phone. The " manager '', together with the delivery guy, encouraged me to return the item for a full refund. Importantly, they assured me that I can return it to the delivery guy right at the scene. I doubted a little bit, but still agreed to do so. All of the incidents are recorded using my cellphone since I was recording a video for my friend to look at my house at that time. I also believe that the video is a proof of returned merchandise since it shows that XXXX delivery guy left with my returned item on his hand. Besides, the video proves that the item I received was different than what I ordered on the website, and XXXX delivery guy left my package unattended, again ( despite the fact that my order was " signature required '' ). I have provided XXXX as well as Synchrony Bank all above information and asked for a full refund. Again, they refused to do that and kept asking me to provide the tracking info of the returned merchandise, which is not applicable in this case. As in the previous complaint against XXXX and Synchrony, they kept repeating one thing and ignore all my points although I sent them the proof of returned item and wrong item delivered. XXXX must seriously take the major issue of not collecting customers ' signatures for signature-requiring-orders. With some research, ones can easily find that many customers also caught XXXX delivery guys signed for customers or marked the order as " handed directly to resident '' although the order was left unattended. I have friends working in XXXX XXXX delivery department and they also confirmed that this issue is true and happens all the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
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: Requested a dispute through XXXX on XX/XX/22 but the creditor stated the account information was correct. There is one late payment on the account and it is reported inaccurately. Submitted a dispute but they rejected my request. I went through a financial hardship but the payment was made within 30 days and therefore should be considered late. In accordance with the fair credit reporting act XXXX account has violated my rights. 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: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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 have several store credit cards with sinchrony bank. Last month all of my credits cards with them were maxed out with several large purchases in different stores all over the united states. I reported this incident and they were quick to resolve this issue. The problem now is with the new cards i was given and accounts, XXXX of the new accounts given by them was again charged with a purchase i did not do. I am concerned that their cyber security is not up to part. How is it possible for this to happen to all the credit cards and the after they have resolved the issue it happens again. I do not trust synchrony any longer and i am not able to close the accounts either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed issues with my credit report affecting applications for a mortgage, and an auto loan having to accept a car I did not want.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55082
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022 @ XXXXpm I received a Credit Alert that XXXX XXXX XXXX credit was closed out. XXXX. I immediate contacted XXXX @ XXXXpm and for 20 mins phone call conversation received the most unprefessional customer service respect from a supervisor by the name, " XXXX XXXX I encourage for her supervisor to pull that call that supposedly be recorded for quality and control. I was calling to see why my credit card was closed and she just did not let me speak and try to talk. I gave up talking to her and just knew I had my rights to compliant thru the CFPB. She said that " typically '' cards are closed after 12 months with no activity. With her disrespectful attitude I just let her go and I would like a darn good explanation why my card was closed without my permission?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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 made a reservation on XXXX on XX/XX/2022 for {$380.00} for a 2 night stay at the XXXX XXXXt in XXXX XXXX. Upon contacting the hotel, I was told there was no reservation in my name and the hotel does not have a contract with XXXX. I contacted XXXX and the advised me to wait until the check in date and the hotel would have it in the system. On the day of check in when we were in XXXX XXXX, the hotel again said there is no reservation in my name and they do not take reservations from XXXXl. I again reached out to XXXX and they contacted the hotel. I have an email from XXXXl stating the hotel is overbooked and can not accommodate my reservation. XXXX has a 100 % refund guarantee if you are unable to check into the hotel. I disputed the charge with PayPal credit and they continually side with the merchant because they have a non-refundable cancellation policy. The reservation was never canceled. The hotel had no room and the hotel has said anyone can call them and they will confirm a reservation was never made in my name nor was any money received from XXXX for a reservation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX - XXXX seller, I had to refund 4 buyers, depleting my checking account. XXXX - PayPal launches a series of XXXX donation debits destroying my checking account XXXX {$1200.00} XXXX fees. PayPal & Synchrony Bank were impossible to connect with. XXXX hours on hold w a hang up & more horror stories trying to just get a human to stop the flood. XXXX - Kept fighting - get an address from helpful third party customer service contract employee who is afraid to give her name. XX/XX/XXXX- sent letter to XXXX XXXX w 2 money orders. They lost one {$250.00} and cashed the other {$150.00} to the wrong account. XXXX XXXX - XXXX XXXX ' XXXX XXXX ( exec. assistant ) calls me and apologizes but I am still out my car and {$1200.00} in fees not counting payments/ penalties ( I will attach letter if I can ). He gives me private number so I can again if there is a future problem. XX/XX/XXXX- sent all as due but they return the original money order. I resend that to the PayPal Pay in 4 address and they send it back XX/XX/XXXX - receive the money order again- with note that I can only pay my Pay In Account XXXX by linking my bank account to PayPal. XX/XX/XXXX - receive a letter from Synchrony that ( because I was late paying a couple of days ago in XXXX first week never before & only late because I am trying to figure out how to pay the Pay in 4 account ), they have lowered my credit and ruined my credit rating. Called XXXX XXXX and XXXX XXXX XXXX no success. All out of the office. Called a bankruptcy attorney at Legal Aid and hope they respond as they say next week XXXX - XXXX - XXXX. Please help me. I am now hungry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A