Date Received: 2022-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XX/XX/2021, Synchrony Bank conducted an investigation which proved the XXXX XXXX XXXX XXXX issued by them was a fraud, and the letter they sent me that I sent to XXXX stated as such and that the account was removed, cleared my responsibility, and notification to the three credit bureaus. However, XXXX refuses to remove the hard credit inquiry because it only lists the account as fraud, which makes zero sense because the account being opened required a credit check that caused the hard credit inquiry. I contacted Synchrony Bank, and they refuse to send a new letter stating permission to remove the hard credit inquiry because they have a " we issue only 1 letter '' rule.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Synchrony Bank stole my rewards-points..... Synchrony Bank offered ( in writing ) an XXXX credit card with 5 % reward for purchases until XXXX XXXX and I accepted their offer. When I had accumulated XXXX points, I tried to redeem them, towards my statement bill. They did not allow me to redeem my points, saying I " had to wait until the next billing period ''. Several days later, via the phone, I paid my entire balance, and again tried to redeem my points, and they again said I'd have to wait. The next day, Synchrony closed my account,,, and canceled my points, down to zero. I had accumulated {$930.00} worth of points, and Synchrony stole those points. I had never been late on a payment,,, ever. Synchrony simply didn't want to pay the amount they agreed to, by contract. Synchrony reneged on the contract between us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022 I was at the register of my local JC Penny, located at XXXX XXXX XXXX XXXX Ma, when I was asked by a JC Penny associate to open a credit card in order to save 35 % off my purchase. I already had an online coupon for 25 % off my purchase when I asked if it was IN ADDITION to that coupon. I was informed by TWO associates working the counter that it would indeed be an additional percent off NOT one or the other. I then made a decision based on this information to go ahead with opening up a credit card. I gave all my information, ie salary, SS number etc. electronically through the register. Upon completing I was approved, and handed the receipt. I questioned the amount charged to the new credit card as it was not the math I had done in my head. The JCPenny associate called over the manager when I was informed that I could only use one discount hence the larger amount now charged to my card. I explained to the store manager the only reason I opened the account was for the discount and the opening of the credit card was under deceptive terms. There was no resolution to this mess as I now had to close a new card I didn't really want and never got the discount on merchandise as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received an e-mail from Synchrony Financial that my payment was past due. I set up my account on auto pay ( their auto pay ) to be timed to pay my account in full before the promo expired. Apparently their system shut it off and when on the phone with a representative today, she did not know why. She immediately refunded all of the interest and fees, and took my last payment to pay in full. When I asked her to ensure I am not reported past due ( I asked 3 times ), she repeatedly told me to file a dispute and call customer service. To me, this is an act of consumer harm under the eyes of the UDAAP act, and I as a consumer am left hanging with no recourse other than a credit dispute. I have sent letters to XXXX XXXX ( Board of Directors head ), XXXX XXXX ( President & CEO ), XXXX XXXX ( Chief Audit Executive ) and the Customer Complaints Group. Consumers should not have to go through this. As a result, I will no longer do business with them as this is the 2nd time this has happened in the last 7 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, I am not sure you can even help me. But in 2019 I opened an account with Care Credit. I used it for a while and once I had it paid off during Covid I didn't use it. I thought I was doing the right thing and honestly didn't think about them closing it. Well, my credit limit was almost up to {$3000.00}. They closed my account the end of XXXX, with no warning, no notice nothing. I realize they have that right, and it was probably mentioned in 2019. I honestly didn't think about it. They literally closed my account less than a week before I needed it. My daughters cat got sick during the night and we had to go to an emergency vet. As you can imagine it was costly. I thought my account was good, and we were denied. Anyway since they closed my account it has severely hurt my credit score. You know how it works so I don't have to explain it to you. But taking {$3000.00} credit off, it has snowballed. I had XXXX balance, no late payments, NOTHING against me. But them closing my account has hurt something I worked hard for. I was penalized for something I wasn't in complete control of. IF they would have sent a reminder, I would have used my card and kept it open. I'm just so frustrated. I haven't reached out to Care Credit or Synchrony because I haven't been able to find a way to contact them. Please help if you can, or maybe help prevent it from happening to someone else. Credit scores aren't a joke and people work hard to get them. A company like this shouldn't be able to hurt people like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40356
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: UNDER FEDERAL ORDER # XXXX OREDERING GE CAPITAL, GE MONEY BANK XXXX SYNCHRONY BANK XXXX XXXX XXXX XXXX PAGES XXXX ) ALL 23 GE CAPITAL BANK ACCOUNTS WHERE TRANSFERRED TO SYNCHRONY BANK AND FURTHER REPORTED TO ALL 3 BUREAUS AS PAID IN FULL, PAID AS AGREED, AND CLOSED EXCEPT FOR : XXXX MONEY BANK CARD ( ISSUED XXXX ) XXXX WAS TRANSFERRED TO SYCHRONY BANK, AND SYNCHRONY BANK SOLD TO DEBT COLLECTOR IN XXXX XXXX XXXX, XXXX XXXX XXXX MONEY BANK XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX SYNCHRONY BANK XX/XX/XXXX XXXX XXXX XXXX XXXX CFPB ACTION FILE No : XXXX XXXX XXXX XXXX MONEY BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX RE : DEBT VALIDATION LETTER DISPUTE This Letter is being sent to you as notification of your failure in your providing to me the following notifications : 1. Notice sent to me on or about XX/XX/XXXX and 2. Responses to your reporting on all 3 Credit Bureaus Be advised this is NOT a refusal to pay, but in fact a notice to you of your failure pursuant to the Fair Dept Collection Act, 15 USC 1692G, stating your claim is DISPUTED and that I hereby request Validation of the Original debt. This is NOT a request for Verification or proof of my mailing address, but in fact a request for VALIDATION made pursuant to the above referenced : Title and Section of 15 USC. I am requesting that your office provide me with competent evidence or the ORIGINAL Debt, that I have a legal obligation to pay you. At this time, I will also inform you that your office have reported invalidated information to all THREE ( 3 ) of the Credit Bureaus ( XXXX, XXXX, and XXXX ) and this action may constitute fraud for the last SIX ( 6 ) years, and please be assured that due to this information being reported incorrectly, I have no hesitation to bring legal actions against your firm, and all parties reporting such derogatory information under : Violation of the Fair Debt Reporting Act, and Violation of the Fair Debt Collection Practices Act, and Defemination of Character, and personal injury for damages for Credit Refusal for the last SIX ( 6 ) years. If your offices are able to provide the proper Original Documentation as requested in the following Declaration, within 30 days at which time I will investigate the Original debt. If you are unable to provide the Original Debt within the 30 days required, all collection activity must Cease and Desist. If any further action that is taken against me which would be construed as detrimental to the already ruined credit history ( s ). I am ready to authorize my attorney for suit in seeking damages. This will also include any listing of all information reported to all repositories that is reporting inaccurate or invalidated information. If your office fails to respond to this validation for the Original Debt validation request within 30 days from the date of this of your receipt, all references to this account MUST be deleted and completely removed from my credit files and a copy of such deletion shall be sent to me immediately. The following information must be provided : 1. Name and Address of Original Alleged Creditor 2. Name on File of Original Alleged Debtor 3. Alleged Original Account Number 4. Address on file for Original Alleged Debtor 5. Amount of Original Alleged Principal Debt 6. Date that the Original Alleged debt became payable 7. Date of the Original Charge or Delinquency 8. Was this Original Alleged Det assigned to a Debt Collector or a Bulk Purchase 9. Original Amount Paid if Debt was Purchased 10. Commission for Debt Collector if Collection efforts are successful Additionally, please provide proof of : Any and all Agreements or Proof that grants XXXX XXXX XXXX XXXX, XXXX the authority to Collect the Original Alleged Debt. In closing, I am confident that you can provide all Documents of the Original Alleged Debt. Sincerely, XXXX. XXXX XXXX XXXX XXXX Notifications and Reference : XXXX. XXXX XXXX. XXXX XXXX, XXXX, TEXAS. XXXX XXXX. XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX GE Capital Bank XX/XX/XXXX to Synchrony Bank ( Discriminatory credit card practices, events of certain hardships, involuntary unemployment or XXXX ) VIOLATION OF ADMINISTRATIVE PROCEEDING File No. XXXX XXXX Document 1 Filed XX/XX/XXXX Page 1 of 46 XXXX XXXX IT IS SO ORDERED, this XXXX day XXXX, XXXX. Director Consumer Financial Protection Bureau To the CFPB : Regional Director, CFPB XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX To the DOJ : Chief Housing and Civil Enforcement Section Civil Rights Division U.S. Department of Justice XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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: 34202
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Well I was notified the credit card was closed thru XXXX. I went to the App for the credit card and it said the account was closed. I never closed it and didn't want it closed. I called the company of the credit card thins morning and was informed that they closed it cause my credit score dropped for last few months and that they could not keep the account open cause I was a credit risk. I was always paying the bill and mostly paying double the minimum each month and was in good standing over the last year I had the card. I feel as that was deceptive cause of them closing only cause of my credit score. That tells me they were pulling my credit monthly if the saw it dropped each of the last few months. The credit card company is Synchrony Bank. The card was thru Pepboys but issued by Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
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: On XX/XX/XXXX, a payoff payment was mailed to PayPal/Synchrony with a statement included. The check came from XXXX XXXX in the amount of {$2900.00} ( it was part of a cash-out refinance ). According to XXXX, the check cleared on XX/XX/XXXX. I've opened a dispute with PayPal/Synchrony and attached the check provided by XXXX. There was very little communication and my dispute was suddenly closed without any additional information. I sent proof of the check to PayPal/Synchrony . I've opened another dispute, but have little confidence it'll be resolved, as the customer support at PayPal/Synchrony is very poor. Also, I mailed 11 other payoff checks to various credit card companies and banks, and all were successfully received/applied. If you need to reach XXXX for further proof of the check clearing, they can be reached at XXXX. I'm at a loss, as the {$2900.00} was part of a cash-out refinance to clear up debt. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: The card is XXXX XXXX XXXX XXXX credit card by Synchrony. The card number is XXXX. After I register this credit card I was charging every month for a security fee + interest fee. I was never told by email or by message that I enrolled in the security protection program and they force to charge me the security fee for over XXXX $ within a year. I think this is defrauding customers and it's a hidden fee to customers. I need Synchrony company to return this fee immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On XX/XX/2022, I purchased new hearing XXXX from XXXX XXXX for {$5300.00}. At that time they opened up a new credit account for me with Care Credit ( through Synchrony Bank ) a program that specialized in medical issues and one that I have used before for XXXX surgical bills for our dog. A special program was used to allow 0 % interest over a one-year period of time. I received initial account set-up emails from Synchrony Bank XXXX including their caveat that paying the minimum amount due per month would not pay off the total balance before the end of the one-year 0 % interest period. Throughout XX/XX/2022 and into XXXX, I logged onto Synchrony 's website at least once per week to review my statement ( s ) and process a payment. As recently as XX/XX/XXXX, I logged onto the site and read that no statement was available, that my balance was {$0.00}, and that my available credit was still {$5400.00}. I was also prohibited from making a payment in the absence of a statement. During a follow-up appointment with XXXX XXXX ( on XX/XX/XXXX ), I commented about the absence of statements and inquired as to whether XXXX XXXX had processed my billing. On Monday, XX/XX/XXXX, I reached a representative at Synchrony Bank and was informed that a statement was processed on XX/XX/XXXX, with payment due on XX/XX/XXXX. Since I was never sent a statement, I was unaware of this " supposed '' event, missed the due date, was charged a late fee, have unintentionally violated the 0 % provisions of my contract, and have suffered damage to my otherwise impeccable credit rating. Deplorable is the only available word to describe the performance of Synchrony Bank. I have paid the complete initial charge ( {$5300.00} ) and have requested that the late fee and any interest be removed from the account. I am awaiting their actions but wish CFPB interaction regarding Synchrony 's information practices and investigate how often such " mis-communications and lost statement '' occur.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A