Date Received: 2022-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank mis-allocated payments between promotional balances. They acknowledge it was their mistake and apologize when I contact customer support and billing, yet they still report late payments to credit agencies which damages my credit score. I make all payments in full and on time exactly to the terms of their contract, but they refuse to correct their reporting error. Synchrony Bank does not operate with integrity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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: In XXXX I opened a Phillips 66 XXXX Credit Card that is managed by Synchrony Bank. I established this card to handle expenses for the XXXX XXXX XXXX that I operate at our local airport. On XX/XX/XXXX I contacted XXXX XXXX XXXX and asked them to cancel our aircraft hangar rental starting in XX/XX/XXXX as we were establishing our own private hangar arrangement with another vendor on the airport. I was very clear with the agent, ( XXXX XXXX, that we were to no longer be billed. The monthly bill was XXXX per month. I had thought she was clear on this. On XX/XX/XXXX, I was shocked when I opened our bill from Synchrony to find that the XXXX dollar hangar fee had been charged to us. I immediately contacted Synchrony customer service and wasted over 90 minutes of my valuable time talking to 3 different agents explaining that this was an unauthorized charge and that it needed to be removed. I was assured that it would be handled. However this was a lie. Unauthorized charges of XXXX dollars were added to my bill two more times for a total of XXXX dollars in unauthorized charges from XXXX XXXX XXXX. Many conversations with Synchrony Bank Customer DISSERVICE have been had and several hours wasted trying to get this resolved. I have refused to pay and they have affected my credit rating. Synchrony Bank OWES ME MONEY!!!!! And they need to remove the negative marks on my credit rating. Please provide them with the Adult Supervision that they so dearly need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony unilaterally closed my account. I have been a customer for many years. I have exceptional credit scores and payment history. I used the card as my primary payment tool. Synchrony closed without warning, stating " payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. I had been an active user of the account to take advantage of their 2 % cash back program. I paid in full every month and often paid in advance. with some months payments greater than my purchases. In addition, I paid my bills when presented, not at the end of the period. In my life, I have never missed a payment or ran a balance over 30 days on any account. As for unusual activity, I am taking my family on a once in a lifetime trip that costs six figures. I was paying it on my credit card over a four month period in chunky increments. I called Synchrony to alert them to this purchase and pattern and asked for them to put it in their notes. When I had a five figure transaction, I paid the balance the next day. No credit exposure for Synchrony and certainly not indicative of future intent not to pay. Synchrony, for whatever reason, does. When they closed account, my account had an overpayment at $ XXXX. Quite a leap in judgement and a decision that doesn't fit the facts from Synchrony. My complaint is that Synchrony has been holding onto my material balance of $ XXXX. In addition, I used their services with explicit purpose to earn cash back rewards. In their unilateral decision to close account, they unilaterally forced forfeiture of my rewards. I had a balance of {$31.00} of rewards coming into the month and then earned {$360.00}. That was earned in good faith and according to reasonable business conduct on my part and explicit foundation of the business relationship. Synchrony 's decision to close is their business but to strip away my material benefit is not in good faith but rather self dealing. In addition, they projected behavior that is not at all consistent with my history, intent or practice. I have called and appealed multiple times and their customer service says they can not address due to policy. This is plainly awful conduct and policy. I am not interested in doing any further business with them but it is not right they can strip away value based on commercially agreed upon activity prior to their projection of intent that differs from actual practice. They have no record or fact of misconduct or bad faith on my part. Synchrony is simply stealing what I earned in good faith and proper conduct and they cite their own policy/terms to justify the theft. I wish to have my rewards delivered to me under the terms of the commercial relationship in good standing, as the account details would clearly show. If they wish to project credit risk, that is fine. However without any misconduct or loss actually experienced over the many years, how can they snatch away the core benefits that the relationship was built upon all the while they profit from my business. Synchrony did not suffer any loss but imposed loss and costs on me. Bad act. Do not let Synchrony unfairly steal from it's own customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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 have had a Amazon SYNCRONY Bank card, i found false charges of {$170.00} Amazon agrees with me and yet the Bank for over a month now has not refunded the monies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was on my XXXX account and seen I have identity theft I filed disputes and I was told to report on here..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony Bank processed an XXXX XXXX XXXX in my name. I received an email with a reference number and a link to details of the card. I clicked the link and entered my private information correctly and it said my info was not matching their records so that's when I knew it was sketchy. I called them and they were very unhelpful. Synchrony Bank is a very low budget sketchy creditor. I NEVER gave them permission to check my credit nor would I deal with these people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Hi... My name is XXXX XXXX my XXXX XXXX XXXX have an account with synchrony Bank care credit .... because of fraud at my bank and report late payment I never had .... This lender look at my credit which is normal and see me and my father has dropped in score because of the XXXX XXXX crazy stuff they did .... It caused Synchrony dropp mine and my father credit limit from XXXX to XXXX dollars which that is damaging... And to me unfair .... I had XXXX on XXXX... I though the whole purpose of have a card is to have it for emergencies .... we haven't abused a d never late... .The cares act is ineffective when they can cut a limit for me not being in default or problems with them... I was told that they was sorry for accidently making my pay.ent late .... but at the time I or my father knew our limit was cut till at the end of call she mention I believe XXXX balance of XXXX I used XXXX for glasses .... I do t understand how u give a bank everything u have and in a time of need... they cut you for no reason .... they knew about the fraud .... The XXXX is handling it I guess but I but a report to ftc ... and DOJ Civil rights division and I did one with you guys with respect of regulation and authority .... I sent a warning to CRA .... and they failed to send it to the creditors ..... This is ridiculous... ridiculous .... I need help went from good credit till bankruptcy in matter of 6 months with good payment history ... .besides the fraud... but that. An take time... .I know I ca. Never get ahead because of idtheft ... .if it ain't t a stranger it's your family or friends ... .. Syncrony Bank should take a moral issue and stand for what's right... That putting me my wife kids and father who is XXXX yr old vet that's had open credit limit that ain't been touched .... It makes no since .... Synchrony Bank take a Ethical and Moral stand ... .. We pay and we victims and still pay .... but XXXX no late payment and we quailify XXXX coming out of my account .... I paid you XXXX that when on dog passed away no included the other ..... Remember Synchrony ..... I and my father was with yall si ce XXXX XXXX not a late payment nor default .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40160
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have a credit card with Amazon for XXXX. I never recieved any written documents to dispute this account. The total on the account is invalid and I attempted to close this account with no success resulting in further late fees. I attempted to dispute this account recently when it negatively impacted my credit score and they wrote it off which I would lile removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a synchrony credit card through Lowes. I have recently noticed that I can not seem to move the balance down hardly at all. Upon further investigation I was able to locate a card security fee. After hours of research, I was able to pin down what this was. Apparently it is a fee that varies based on balance to cover if something happens. I absolutely never agreed to have this added onto my card. I called the card security for the synchrony card to get it cancelled and request a refund for this. They did cancel the fee for the future and refunded ( not yet 3-5 business days ) {$740.00} according to the representative. I asked her how this could have been signed up for when I did not have anything to do with it. She said it was signed up for in XX/XX/2009 when the card was opened. I never agreed to this and would like to know how this was happened. I did end the call with them, but after digging even more, I realized that XXXX $ is only like one year of fees. We are talking about 12 years of fees - thousands of dollars, taken without any written approval. The representative said they only need verbal agreement, which no one gave. I fee I am in my legal right to get all of the fees refunded and I can not fathom how this is okay. They could sign anyone up for this verbal agreement without asking anyone. I am disgusted that people, including me, are being taken advantage of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17545
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received a letter dated XX/XX/2022 stating that my 18 MONTH CD with Synchrony Bank would mature on XX/XX/2022. I called a few days later and requested from XXXX that the CD not be renewed, that I want the money deposited in my checking account. She assured me it would. When the money didn't arrive in my account, I called again on XX/XX/XXXX and talked to a man, XXXX, in XXXX, who told me there was a security hold on my account ( that I had placed on a savings account years before I opened the CD account ), and that he would have it removed. He put me on hold and never came back. On XX/XX/XXXX, I called again and spoke to XXXX who assured me she would have the security hold removed and I would receive the money. When that didn't happen, I called XXXX on XX/XX/XXXX who said the same thing XXXX did. I told XXXX that if I didn't receive the money, I would report Synchrony Bank. Four business days later, I still have not received the {$15000.00} ( balance as of XX/XX/XXXX ) that is the CDs worth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A