Date Received: 2022-08-03
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In XX/XX/XXXX, my cardholder spouse was laid off. He had also become XXXX XXXX could not be employed during the XXXX XXXX claim process. I requested the forms to file for a benefit at that time, eventually received them, filled them out, and sent them in. I was then given a great deal of run-around regarding documents of proof, which I provided, but apparently, they were not adequate, and then communication stopped. Meanwhile, I have been paying into this coverage for at least a decade or more, and have no late payments. I have not even used the card in several years, and while I have been making payments on time each month, despite the struggle to do so, my balance continues to grow, because I can't afford to pay more than the minimum due. I was laid off in XXXX of XXXX due to the pandemic. The business was sold, and I was not hired back. I collected unemployment while I could, but that ended several months ago, and I am no longer qualified for that benefit. I have been applying for jobs and interviewing over the past year, but no luck so far, and it is becoming more and more difficult to pay. I called and requested a form again, and never received it, and once again months ago, and never received it. This is beyond the XXXX weeks I was told it would take. I am beginning to feel I have been scammed. I am going to have to stop paying regardless of whether the coverage I have been paying for ever actually approves a benefit claim. What's more, with the number of years I have been paying, I had to have exceeded the original full balance due by now ( XXXX interest and whatever other fees are being applied. ) I would like Care Credit to accept that as payment in full, and then they ( Synchrony/Care Credit ) can collect from my account security coverage that I haven't been able to use. It should have been paid in full by now because it's been XXXX years since the hardship began, and I attempted to file initially. This is exhausting on top of the other hardships I am having. It's unethical to basically rob/scam me ( and many other customers as I am now aware ) because I needed dental care and I had to euthanize very ill/elderly pets over the years that I actually used this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I keep receiving text message about my Lowe 's Credit card payment. I do not nor have i ever had a lowe 's credit card. XX/XX/2022 XXXXXXXX XXXX Text message states Synchrony Bank Payment Reminder. Pay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Msg rates may apply. To opt out reply STOP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20121
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Name : SYNCB/CCARE1 Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. As well as my personal information to be reporting the updated information. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22485
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX a credit card through Syncrony was fraudulently opened in my name. On XX/XX/XXXX it showed on my credit report that approximately {$2500.00} was charged on the card which has a {$5000.00} limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: SYNC/HOME DESIGN defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an XXXX XXXX including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX will be documented and used as exhibits for knowingly and willfully violating federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company has the worst business ethics. I have reached out to them via email and have yet to receive a response. My credit has been destroyed due to their practice. Here is the story how we got to this point. I reached out to them to set up a payment plan. During this phone call I asked the representative several times will the payment plan stop the late history from reporting on my credit report which the representative insured me it would not report late anymore under the plan. I made my first plan payment then weeks later check my credit report and there were late payments reported. I have reached out to this company to resolve this and have those 60 day late payments removed and have had XXXX results. I am asking if they don't remove the late payments to have them submit a copy of the phone call with the representative. I have since caught up on the payments to save my credit from further damage from this company. I have XXXX late payments from any other creditors I deal with. This company kept reducing my overall credit limit, raising my utilization while my payments were all on time. They eventually closed the account with no late payments on my account. This company is one of the worst companies to exist. There reviews prove my point. I just want the 60 day late payments off my credit.
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: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was Incorrectly billed during the Dispute process ( XX/XX/XXXX ) on my Lowes Credit Card. The Error was to be corrected by Refunding me the Over Charged Interest and Disputed Purchase Amount ; according to the XX/XX/XXXX letter from Synchrony Bank. I have not received any Refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. Personal Information is reporting inaccurate, this is the only information that should be reporting ; Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX THESE INQUIRE IS NOT MINE! SYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Make sure you put the Account Name and Account # ) has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22485
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a letter from Synchrony Bank stating that I was denied a PayPal Credit account that I never applied for. The letter has a reference number to refer to get more information on what happened and that the card was not approved due to Identity Theft Risk Factors. Synchrony lucky identified this and stopped the approval, as I never requested or started this. However, I have been on the phone trying to get information on this and the customer support does not seem to take this seriously. I have had to call five times as they kept disconnecting me and not calling back. The phone system takes 5-10 minutes to get through each time, because it is trying to get your account information, since I do not have an account this is a long process to talk to someone about this identity theft. I have gotten through a couple times and was on the phone with fraud and security team that said they had the information pulled up and then they transferred to start the process all the way over. I have been working on this for over four hours and keep getting transferred around or placed on holds for 45 minutes at a time. This seems very ridiculous and not helpful in this stress time. After being on the phone again for XXXX hour XXXX minutes and speaking with a supervisor they just set my call back to the starting message again. This company is not taking this seriously and I deserve the right to be assisted in this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: there's something wrong with the software, or programming, when trying to log on and resetting the password. The same information used to pay as a guest is rejected when trying to reset the password. The same information used to pay as a guest is rejected, in fact, for trying to do anything else. They system rejects the information saying it doesn't match their records. If you try to reset the password the system gets stuck buffering indefinitely. Then, if you use " live chat '' the agents direct you to use that very same process. Two different agents gave me two different links. One told me that the link I had been using before the password issue was the wrong link. The other told me to use another link as well. Which turned out to be the same link I had been using all along.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A