Date Received: 2022-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a care credit account and recently fell behind. I contacted care credit on XXXX to get the card caught up. I first spoke to a gentleman, who started to offer either a settlement or a payment arrangement. At the time the card was less than 90 days behind with the next payment due XXXX. I explained I did not want to take any option that would result in account closure. The gentlemen then transferred me to a women who went over the same options starting with offering me a 60 % settlement over 3 months. The other option was to close the card and pay over 60 months. I expressed I wanted to bring the account current and did not want the card closed. The care credit representative stated " I agree and that is a better option. '' I paid {$570.00} and agreed to pay {$100.00} more by XXXX Again I expressed I did not want the card closed and the representative confirmed and collected the $ XXXX The next day I logged into my care credit account to find it was closed. This was a total shock as I expressed I wanted the card to remain open and the care credit rep agreed this would happen. I contacted Care Credit by phone to request a refund. As the {$570.00} was a XXXX loan and an attempt to get the card back on track. Care credit transferred me around after explaining the story 3x. Finally I was hung up on. Care credit used deceptive practices to collect monies from me with knowledge they intended to close the account regardless of what was communicated to me. I want my monies refunded and the debt to be eliminated as a result of the neglect action taken by Care Credit, this card will now show as a charge off. As the consumer I was misadvised and money was taken with the verbal agreement the card would remain open. I do plan to also contact an attorney as well. Care Credit recordings will support my above account of events.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85353
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank is damaging my credit I pay my cards on time or before time never been late that lower my credit without cause they have damaged my credit score I havent used up two of the cards and they just made it looks as if I used up the limit I spoke to them about it I was told to dispute it this bank has bad practice of issues of killing scores this is terrible they have lowered my scores please help, Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/22 Synchrony bank charged XXXX of interest on the promotional purchase without any warning. I have been paying on time and in excess of the minimum payment. Per their admission, only XXXX remained to pay off the promotional balance. The bank is charging interest on the total amount of the XXXX dollars which on XX/XX/22 I did not owe. They are charging me on interest I do now awe and did not agree to. This is predatory practice and they should be held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am registering a complaint against The XXXX XXXX XXXX, which owns Synchrony Bank ( SB ) and its subdivision Home DesignXXXX/Synchrony Bank as they put my name and Social Security Number, on an account that I never applied for or consented to open. On XX/XX/XXXX when my husband became ill, I found a bill from Synchrony Bank ( SB ) and called them immediately asking why my name was on this bill and asking for any documentation ( written, oral, or verbal ) that they could share with me, as while I am old, I had no recollection of ever opening an account with this bank. After numerous calls I was told I had to pay them, because this was an old account and I should have known that my SSN was being used. So, I again requested any documentation they had on how this account had been set-up. On XX/XX/XXXX I realized Synchrony Bank ( SB ) was on my credit report affecting my credit scores. I called SB to again request a copy of the documentation committing me to a loan agreement. After 6 calls, I was told that to obtain the origination files a written request had to be submitted on forms they would mail. In XX/XX/XXXX the bank had disappeared from 3 credit rating sites. On XX/XX/XXXX, I submitted the required dispute forms. I was told on XX/XX/XXXX that they would respond in 90 days. On XX/XX/XXXX the bank mailed a letter seeking payment. On XX/XX/XXXX I called 4-times and was told that SB did not have the origination files, as they were generated by XXXX XXXX , from XXXX XXXX XXXX XXXXXXXX , a partner of Home DesignXXXX/Synchrony Bank. I was also told that my request had been forwarded to the Fraud Solutions Team. On XX/XX/XXXX, SB sent a letter closing the account, & notifying credit bureaus etc. On XX/XX/XXXX, Synchrony Bank was back on my credit report, as delinquent, making it difficult for me to borrow the funds needed for urgent home repairs. This banking institution is using pressure tactics to make me pay on an account I never opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Received a text message about my credit card informing that I needed to " ( Call XXXX XXXX # ) XXXX-temporarily-locked-ID : XXXX '' Text was sent to cell number at XXXX XXXX XX/XX/2022 I had tried to log into my credit card account and it indicated my information was incorrect, it was not, I then called the credit card company ( different phone number ) and spoke with the representative who informed what I knew to be true about my account, the current balance, pending payments, available credit and that my account was in good standing and not locked..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30542
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone was supposed to handle the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I opened an account with Synchrony Bank for a credit card through Sam 's Club. Everything was great for the first 10 months. I paid the bill in full, every month and on time. Two months ago, I was unable to get online to look at my statement and pay my bill. I went to Sam 's Club to pay what the automated telephone line said I owe, but I have no idea what was charged, or if previous payments were processed on time, because I can't access my statement. I called customer service twice and when I got a customer service agent, I was immediately put on hold, mid-sentence with no explanation from the agent. I waited and no one ever came back. Called again and same thing happened. I want to close this account, but where's the address to do so? Complaints online of mail-in payments not being recorded, or mail being sent back by the postal service is concerning. Other customers are also experiencing these issues. I'm sure you're aware of that. I contacted Sam 's Club corporate to get them involved. And I complained to my local club. Apparently you can open an account easily and pay there, but you can't close the account through them either. Can you help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24017
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The inquiry was NOT authorized. SYNCB/LOWES Date of Inquiry : XX/XX/2021 Please remove it from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony closed my account due to a monthly payment not going through. I have been in good standing since opening my card and this occurrence only happened because I moved and changed jobs which made it hard to keep track of everything. Ive been paying off all my other cards and my credit was at excellent before Synchrony abruptly closed my account. Ive also paid the past due balance and filed an appeal to the account closure. No one has reached out to me about it or addressed it. When I spoke to someone on the phone they said they couldnt do anything about. Ive now been charge 200 % in interest. Synchrony not only has terrible customer service but use coercive tactics to get more money out of their customers. This completely unfair given my payment and credit history. Id like to Synchrony to re-open my account, remove the 200 % interest and get me back to my normal payment schedule. Moving across the country has been difficult alone, this has made this experience XXXX more difficult.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A