Date Received: 2022-08-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My name Is XXXX XXXX. I had a amazon store card with Synchrony Bank with account ending in XXXX. They stated my closed my account due to 2 sent back payments. I stated I was in the hospital with covid and almost died but I pulled through and lived. I have been with synchrony bank for 3 years and have not missed a payment till now. The last thing I would be worried about is paying a bill while on my death bed, but soon as I got out I called to correct everything. They closed my account without my consent and still want me to pay. Im pretty sure that is a form of discrimination and extortion. I demand they open my account back up. I been a loyal customer to them, then in my time of need, they stab in my back. I already know they gon na write in their response that the contract states something about if you miss 2 payments they can close your account, But the UNITED STATES CODE says that they cant close my account without my consent. Im pretty sure the federal code supersede any and all of your rules. And to be honest the contract is not even binding because its only one signature on it and its mines. Synchrony Bank needs to open my account ASAP due to them violating my consumer rights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Care Credit card was closed due to other cards having higher balances and rotating credit. This card has no balance and has always been in good standing. Im not sure why my account would be closed due to any other card or account having any balance when I have paid them on time and in full always. Representative informed me that there was nothing I could do except reapply. I have had this card for quite a few years and suddenly there is a problem due to something that has no effect on this account whatsoever. I am very displeased with how this has taken place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, we opened a checking account, in addition to our current high-yield savings account, but this account was only in my wife 's name. We transferred {$15000.00} total to this new account. This was done at the direction of the mortgage company to be able to gift funds for a relative 's home purchase. The following day, we scheduled a wire to the relative 's account. The bank called the relative and verified the accuracy of the account information. On XX/XX/2022 we received notice that access to both of our accounts was restricted ( no moving of money would be allowed ). The savings account is the account we use to pay our mortgage. After over three hours on hold, no one can release the restriction, tell me why the accounts have been restricted, or provide me with a better timeframe than 30-60 days for the review and release of the almost $ XXXX being held XXXX by the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased furniture from XXXX XXXX XXXX in XXXX. I agreed to pay $ XXXX thru Synchrony bank for the cost of my purchase. I was told that the due date is the XXXX of each month. I have XXXX XXXX records that I've paid as agreed. I was NOT told that a payment made prior to the XXXX of each month would be credited as a payment for the PREVIOUS month. XXXX is claiming that I have past due balances because my EARLY payments were credited as payments for the previous month. In a phone call between XXXX, myself, and a female in the XXXX accounting dept., the XXXX person explained why their system shows an erroneous past due balance. She said XXXX would erase/cancel the past due claims and advised me to just be sure I paid AFTER the XXXX of each month. I thought the issue was resolved, but XXXX is STILL making collection calls about this ERRONEOUS past due balance. My credit score has taken a big hit, and XXXX is the reason why. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Im on hold as we speak, after speaking to XXXX several times regarding my disputes Due to Covid, I could not pay original credit company and I ask XXXX to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX, a representative from XXXX, XXXX XXXX XXXX stated that a sheriff would serve me in my home with a court order and that I was in serious legal problem. I was informed that XXXX, XXXX XXXX XXXX had already processed the court order claim and that I should have checked with the court for my hearing date. She added that the hearing court had passed, and the sheriff was coming to my house. I mentioned that I should have received prior communication from them when filing a claim with the court. The lady was adamant in repeating that I was in serious legal trouble. I had contacted XXXX, XXXX, and XXXX in response to a letter from them explaining that I had filed a cease and desist letter in XXXX to a prior collector for the same debt. I further explained that I had been a victim of credit fraud and the charges were not mine and that I had filed my case with the FTC and Virginia
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX I called Synchrony Bank customer service XXXX regarding my Amazon Prime Store Card account ending in XXXX. Discussed the following : My statement due XXXX shows new balance of {$1000.00} or total minimum payment due of {$53.00}. Within the new balance, {$570.00} charges on XXXX, were promotional 12 equal payments 0 % APR. However, no where on the statement does it provide the amount of the 12 equal payments nor show the adjusted balance. I am supposed to do the math myself. I was on auto payment and within the online payment resources, no where does it provide the adjusted balance. It offers the same amounts discussed in sentence two above. My phone call was a total of 40 minutes and included a regular rep and accelerated to supervisor. No one could tell me why the statement does not provide crucial payment information and balance adjustments. After the above phone call, I called Amazon to report Synchrony 's, I believe, illegal monthly statement. The rep, XXXX, told me he would transfer me to a Synchrony rep who is trained to deal with this problem. I accepted only because I asked the Amazon rep to follow up with me in two hours. I anticipated the same issue I had earlier, and that is what happened. No one can even tell me my adjusted balance. The rep, XXXX, told me I had to call Synchrony monthly for 12 months and ask the adjusted amount that is due. This is preposterous and disturbing management. I feel I was lured into a bait and switch situation. I have never seen a statement with monthly deferred payment presented like this, see attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60714
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX XX/XX/2022, Synchrony Care Credit deceptively and maliciously cancelled my line of credit for {$20000.00}, which they had approved on XXXX XX/XX/2022. Synchrony took this predatory action in retaliation for my cancelation of a Care Credit XXXX sent to me, which I did not request from them. The cancellation of my Care Credit was discovered at the office of my medical provider, causing me irreparable delays and embarrassment, not to mention scheduling inconvenience and other damages. I contacted Synchrony Care Credit on XXXX XX/XX/2022 to resolve the issue, and lodge a complaint regarding their misleading and deceptive banking practices, described below : XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who stated that I could cancel the Care Credit XXXX received in the mail, which I did not request, while my regular Care Credit account would would remain active for my medical procedure. Unfortunately, when I arrived at my provider on XXXX XX/XX/2022, the above credit card was declined as being cancelled by me, which is a false, deceptive and maliciously retaliatory practice by Synchrony. Also on this date, Synchrony falsely informed me that I must activate the Care Credit XXXX with a limit of {$12000.00} ( XXXX XXXX XXXX XXXX to retain the Synchrony financing they previously approved for use with a medical provider. XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who snickered and gloated at my loss of medical financing, and stated that by my cancelling of their XXXX ( which I did not request or want ) Synchrony had rescinded the Care Credit line of financing for {$20000.00}, which they had approved on XXXX XX/XX/2022. When I asked why Synchrony had sent me a XXXX I did not request, the Synchrony sarcasm was palpable, as XXXX stated that " select '' Care Credit members were " randomly '' selected to receive an upgrade in the form of the new XXXX with a XXXX XXXX XXXX. I stated that this was not an " upgrade '', and that the predatory pressure to maintain the unwanted XXXX or lose the financing of my medical procedure, was misleading, deceptive and malicious, and possibly illegal. After several attempts to redress this situation, Synchrony made no effort to resolve this situation, which has placed me in difficult straits. Synchrony proved to be misleading, deceptive, malicious, and in no way acting in good faith as a bank should.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX ( 2 hours ago ) to me, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX Hello Customer We notice unauthorized transaction from your XXXX account, If This Transaction Is Not Made by You Then Kindly Call Us for Cancellation of this Order Otherwise, your {$630.00} will be charge today Youre Order Information Description Quantity Unit Price Total Price XXXX XXXX ( XXXX XXXX {$630.00} {$630.00} Total Amount will be charge : {$630.00} Items Ordered : 1 youre Billing Information Your order number : - ( XXXX ) Transaction Id : - ( XXXX ) Thank you for your recent order with us. If you have any questions or want a refund for this order, please call our If you want to cancel this order, give us the Thank You XXXX XXXX XXXX XXXX Helpline Number : XXXX ( XXXX ) XXXX ( DO NOT COPY THE NUMBER I do not have an " unauthorized transaction. '' I have not placed an order. This email is similar to others I have been receiving for weeks seeking to fleece someone based on a transaction that does not exist, that the sender has divined. Notice that no company name appears.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A