Date Received: 2024-02-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: CareCredit with Synchrony Bank reported my account as delinquent without any notification. I called them to rectify the situation, I explained to them the situation which they said they were sorry and understood. They agreed to a pay-for-delete letter and said I would receive the letter within 30 days and then I could call back and pay off my card. I waited the 30 days and when the letter came, it said that they were NOT going to remove the delinquent charge off of my credit report. By this point I was then 60 days delinquent and my mortgage lender was telling me not to pay the card as they would not remove the delinquent report if I paid it beforehand. I called them again and told them that they had promised this pay-for-delete letter but the only letter I got was them denying to provide it. Again they apologized and promised that they would send a letter to me and the credit bureaus and remove the delinquent report. I was told to wait another 30 days to receive the letter and then call in to pay my card off. Once I received the second letter, it was the same as the first letter, telling me that they were NOT going to remove it and I was now 90 days delinquent. They have continued to lie over and over again, provide false information, report my account when it should have never been reported ( it's medical debt ), tacked on excessive fees when they shouldn't have, refused to let me speak to managers, tell me that they 'do n't have phones in their legal department ' so I can't talk with them, lie and tell me they don't have a credit department. They will not provide all of my statements from the start of me opening the card, will not provide me with copies of the recorded phone calls for proof that they have lied, robo called me multiple times a day and when I pick up and try to talk to them they will admit that it's an automated phone system so they don't even have my account pulled up in front of them so they can't help. We are in the process of buying a new home and this has destroyed my credit down to a point that we can't qualify for the loan we need now. I just want to be done with them. I just want them to delete the negative report off of my credit like they continuously promised they would do. But because of their constant lies and inefficiency with properly trained customer service reps, I have become 90 days delinquent as I was told to wait for letters in the mail for my pay-for-delete agreement. Once the letters came, it was just more of their lies. They are a terrible business with even worse employees. I was not given adequate information when I signed up for this card and made to feel like it was the only way I could get the root canal that I desperately needed. As a single mom with a limited income, I felt pressured into getting this card. Now I feel scammed and taken advantage of by a company that consumers are supposed to trust in medical times of need. I now know this company has multiple class action lawsuits against them for these exact same reasons, unfortunately I can not join them as my state doesn't have a law that protects me against first party creditors ( which is a whole other issue ). Synchrony Bank needs to be held accountable for the livelihoods they ruin. It should be illegal how they run their business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
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