Date Received: 2024-02-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a balance of {$67.00} with Amazon Credit Card handled by Synchrony Bank. In the XX/XX/2024 Statement I reviewed today This company is fined me with a Late Fee of {$29.00} as XX/XX/2024. I called Synchrony Bank. I spoke with their Customer Service to have remove the Late Fee because I didn't receive the XXXX Monthly Statement on time, I ended up talking to Account manager XXXX with employee Number XXXX XXXXXXXX, She denied me to remove the Late Fee, even with the explanation given Saying perhaps the email I sent went to my Spam Folder, I couldn't see the Monthly Statement Reason Enough I couldn't make the payment on Time and Requested her to have the monthly Statement be sent by regular mail. Synchrony employee tried to keep me enroll it in the electronic statement, I refused her offering, I told her I had in the past some issues in the past with another creditor with the e-statement. So since The Account manager XXXX Denied me to remove the late fee of {$29.00} I advised her I would escalate this issue with her corporate Company and the federal Agency to let them know in what way This Financial Company operates charging late fees even if consumers are not aware of the monthly statement received by email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I dont recognize the charge from this company and its on my credit report Ive never used these services.XXXX XXXXXXXX XXXX and SYNCB/AMAZON
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The bill is for cell phone insurance for {$9.00} per month which I purchased last year with my new XXXX phone. After about eight months I lost my phone. I reported the lost to the insurance company. After two days they sent an email stating they could not replace my phone because my phone was not registered. Yet they were accepting my monthly payments. Approximately one week passed, I called the phone number on my {$9.00} monthly bill to cancel the insurance. The bank agent stated she would cancel the subscription and stressed by cancelling I could never have the insurance again. I made myself very clear to her to cancel the coverage anyway. Two months later I received another bill for the subscription. I call again, only this time the agent stated she could not help me cancel anything and could not direct me to anyone that could help in anyway. What happens next, I did not pay. SYNCB/XXXX XXXX XXXX reports to the credit bureaus that I'm not paying my bills, which has dropped my credit score from XXXX to almost XXXX. My credit score can go down to XXXX and I will never send them a XXXX!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a credit card with Synchrony Bank, for a balance of {$700.00} with no interest for 1 year. I was making minimum payments due to Covid then midway through I made a higher payment then the bank lowered the card balance and availability by a couple XXXX dollars. I called to ask the reason for the credit limit decrease and was informed it's their right and if not paid by the 12 month it would be off the new credit limit. Subsequently the year hit and the interest was added which I was aware of. However, Synchrony based the interest of the original card credit limit and not the credit limit they changed the card to midway through. I called to dispute and explore medical/pandemic considerations. They mailed the payment history as requested but nothing reflecting the credit limit change and the reason for the current interest. They Subsequently sold the account and locked me out from reviewing the full record. The new debt collector stated that's not something they can investigate because Synchrony said the balance is final. I again asked since they are the new owners they should assume full responsibility and investigate the amount to make sure it's accurate. The male representative said he would consult with a supervisor and call back. A different representative called with the same offer to pay {$1000.00} after explaining the scenario and again requesting a supervisor, she put a representative on who said she was the supervisor but sounded like the same person. She again stated Synchrony sent them the amount and she couldn't change it. That was the end of the discussion and they placed the original amount and full interest on my credit report. They will not investigate they just revert back to Synchrony did it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony is scamming it's consumers by allowing an " autopay '' feature that is misleading in its description as it does not actually auto draft your account every payment period, but only for the NEXT payment meaning you are consistently having to pay late fees ( {$41.00} ) for missed payments under the impression you are setting up a permenant feature. The company will then notify you that payment was due ( which you will ignore because you set up auto pay ) seemingly to intentionally collect fees from unsuspecting consumers who expect the features to work as reasonably expected. Despite repeated attempts to figure it out with a person, the only option for resolution is to speak with a robot chat box that does not offer solutions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87105
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My wife and I went into XXXX XXXX XXXX, and they did a soft inquiry to see if they could approve us for 0 % interest financing. When they approved me and my wife for {$1000.00} we decided we were not interested and left within minutes. Days later, I find out an account was opened in both of our names. I contacted the sales person, the store manager, and then I even called synchrony bank. They all told me the account was legitimate and would not be closed.. I had to file several disputes with the credit bureaus over and over until finally, I received letters in the mail, stating that the account was open fraudulently! This business is unethical! I was cussed out via text message from the sales person who illegally opened up accounts under both of our names! She ( the sales person ) committed fraud, and then synchrony bank protected them. I want answers my credit score was impacted, I looked over extended and so did my wife.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: PayPal is now issuing a " paper statement '' fee for {$1.00} PER MONTH. This is discriminatory as it requires 1 ) a printer and/or 2 ) digital storage. These letters have been emailed and sent by PayPal in the past couple of weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98155
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am writing in regards to a denial, I believe was a mistake. When I signed application for services I became an investor into your corporation where you then transferred my note/security/receivable into synchrony card funding LLC, immediately after transferred to synchrony card issuance trust, thus gaining interest once transferred into the primary market until maturity. The principal amount is owed to me and should be deposited into my TDA where it then becomes a Savings Bonds. I've thoroughly reviewed your terms and conditions AGAIN after receiving denial letter and there is no evidence or full disclosure backing your reasons for denial. What I found more interesting is on the denial letter it states ''the credit score may differ from the score you obtain from a consuming reporting agency '', so how was a decision made based off an inaccurate credit score? In accordance to your Indenture Trustee Agreement Section 2.06 ( Exchange and Registration of Transfer of Securities. Securities of any series may be exchanged for a like aggregate principal amount of Securities of the same series of other authorized denominations ). Denial letter attached is proof of securities fraud and you are not performing or upholding your duties as agreed upon. I am requesting that my no preset limit XXXX XXXX XXXX be mailed to address registered, I will then use my interest coupon dividends each month to satisfy payment on account. FAILURE TO COMPLY I WILL BE FORCED TO REPORT YOUR WRONGFUL USE OF SECURITIES TO THE IRS AND ALL OTHER APPROPRIATE OFFICIALS. I have uploaded denial letter and terms and conditions, so that maybe I can receive a clearer understanding of how and where the reasons for denial came into play.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: As of XX/XX/2024, Synchrony Bank is starting to charge {$1.00} per month as " XXXX XXXX XXXX, '' which is pure greed and unjust enrichment. I am being extorted into accepting the change in terms and the {$1.00} " Paper Statement Fee or losing access and the use of my XXXX XXXX Account as I will be forced into closing my account if I don't accept the change in terms. be forced to close my account if I reject the fee. I believe this to be illegal as it's classified as a " junk fee. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Synchrony Bank has not allowed me to log into my account for months, giving me the error : " Our system is experiencing technical difficulties at the moment. Please try again later. ". The chat bot on their website seems broken, continually telling me : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' and when I click the button to contact support I sit in queue for days with no response : " Please wait until a support agent joins your session '' There is no way to email support or get in to my account to cancel my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A