Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I tried to pay off my Synchrony credit card in full and got a notification that the payment was accepted. Then later noticed autopay was still set, so I logged into my account out of curiosity. I found out the initial payment was returned. And the autopayment was declined. I saw the account had been closed, and there was never a notification or mail received to notify me. I called and was on the phone for an hour and a half. The reasoning for closing the account kept being changed. No solution was found, and they will not reopen the account. I called my debit card company, and they never had an issue with the account. And they confirmed that there was enough money to make the payments to the credit card. I need help due to never being given the chance to fix the problem. The credit card company placed my account in delinquency due to the payments not going through, and they are blaming my debit card bank. The account took the money, but returned it, both times. We have pictures as proof for sufficient funds. How can I fix this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I filed a dispute with syncb they said they would XXXX XXXXXXXX remove inquiry, STILL HAS NOT BEEN REMOVED. Complaint filed over 4 weeks ago
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Account : SYNCB/XXXX XXXX - ( last reported XX/XX/XXXX ) - CLOSED account delinquent/late payment. During the pandemic, in the month of XXXX I had merchandise on order from XXXX XXXX which had been delayed on delivery for a 3rd time. I chose to cancel most of the purchase and only wanted a single item for which I was going to pickup from the warehouse to avoid a delivery fee. An attempt was made to deliver merchandise at my residence, I refused delivery due to the fact I was going to be picking up the merchandise. I went to the warehouse to pickup merchandise and was told it was out of stock, therefore never receiving anything at all. I was later charged on my Synchrony/Ashley XXXX account for merchandise I never had delivered or picked up. I submitted several disputes with Synchrony/Ashley to get the balance corrected on the account and was instructed to not make a payment on the balance since I never received any merchandise. The length of the disputes and the fraudulent balance was extensive. I am requesting that they remove the delinquent reporting for months XX/XX/XXXX 30 days, XX/XX/XXXX 60 days & XX/XX/XXXX. This reporting is inaccurate due to the fact that they reported my payment as being late when the balance was inaccurate and I was in the process of multiple disputes trying to avoid paying for merchandise I never received. This reporting is negatively impacting my credit report and is a result of their error, I would like a speedy resolution/response to correct this and to have all derogatory marks on this account removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by SYNCB/PPC Account # XXXX. SYNCB/PPC closed my account on XX/XX/2021 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/PPC never informed me of my rights. SYNCB/PPC has the obligation to correct action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX to let SYNCB/PPC know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information " late payments '' on this account. I have tried to explain multiple times to SYNCB/PPC what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/PPC know OR care what happens when penalties for not complying with the ECOA happen ? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is SYNCB/PPC appear to be discriminating against me and denying me extending credit i they are also damaging my credit worthiness, there tarnishing my name by furnishing negative information " late payments '' on my consumer report by coercion to pay this alleged debt which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which SYNCB/PPC NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments '' on my consumer report? I don't know maybe coercion, extortion, wanting me to be quiet while I'm being violated and discriminated against I'm not going to be silent anymore or be in fear by them. Also there violating my privacy under the XXXX XXXX ACT by furnishing, spreading, around for profit my NON PUBLIC PERSONAL INFORMATION to non affiliated third parties. And how can SYNCB/PPC say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my account when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so SYNCB/PPC can not use the excuse " the consumers lack of untimely payments '' as reason to close my account. I'm just trying to make it clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a " a drop in a consumers credit score '' is valid reason to deny or cancel a consumers extension of credit. So SYNCB/PPC legally , or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against SYNCB/PPC against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I called the comapny Care Credit 3 times in the month of XXXX, the first time I called I spoke to a representative that said that my address was changed by someone who called in and changed the a address that is not my address, the second time I called in I talked to a rep by the name of XXXX, I expalained that I had not recieved my statement for the month so he ask me to verify my address which I did, but the address that they have on file was another address that I do not know and have never lived at which is XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX which I have never lived there I was told that someone called in and changed via phone and I asked how did they do that without any type of verification, I expalined to him that I have recently became a victim of idenity theft and I am concerned that somone changed this address without my permission. I asked him to transfer to the fraud department he said that he would transfer me but they would probaboy transfer me back to customer service, while I was on hold the phone hung up, I called back and spoke to XXXX explained everyting over to her and she said that the account would be on hold dont worry about the payements until they reviewed how someone gained access to my account to change anything, she also said they can close the account if im concerned that my statements and personal information is at risk once again I was on hold and the phone hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 at XXXX, an employee at Marshall 's asked if I wanted to sign up for their " rewards program '' saying that I would get a 10 % discount on today 's purchase and 5 % cash back every time I make a purchase at XXXX XXXX XXXX XXXX XXXX XXXX. She did not disclose that I was signing up for a credit card or that a credit check would be disclosed. I only found out about the hard inquiry after receiving an email that they viewed my credit report. I am now filing a dispute as she was intentionally misleading me into applying for their rewards card, when in reality it was a credit card. I have contacted Synchrony Financial and they said that they will be sending me a letter asking for further steps if I wish to continue with the application and to disregard the mail if I wish to cancel the application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: So on XX/XX/XXXXXXXX XXXX XXXX I signed up for Amazon and applied for an Amazon card I got approved for the Amazon store card through synchrony however I use the account that has {$500.00} limit on it one time to pay for Amazon prime for {$14.00} can I go to place my first order after that and they said it was on hold due to suspicious activity I don't understand how that is suspicious making my first order but I then I received an email telling me to log into my account and provide necessary information that they needed I did this uploaded the document that they asked for which was a bank statement for the card which was from synchrony I've had to do this since that day several several times I've called them I've emailed of done everything I can and they keep saying that they can not validate my ownership of the account now please tell me if I'm sending you the exact bank statement for the card ending in XXXX from synchrony Bank that gave me the card for Amazon how is that not valid they have yet to remove the hold because they keep telling me to wait for somebody to contact me that doesn't never contact me I have done everything I can so now I'm contacting y'all to get help I'm attaching the bank statement for the card so that you'll see what I'm sending them is from that same bank it's the same what I've been sending them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account for SYNCB/CARE CREDIT is incorrect on my credit report. The last activity date is reporting different for all three bureaus. This is information is inaccurate and it need to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Called to liquidate a CD on XX/XX/XXXX. Was told that funds would not be available for 3 to 4 days. Problem # 1 -- - they don't pay me interest for those days they are keeping my funds Received funds on XX/XX/XXXX- they placed it in a high yield savings account. When I attempted to transfer funds to a linked external account, I was informed that the amount exceeded transaction limits. I called customer service ( I swear there was a chicken crowing in the background ) and was informed that there was a {$25000.00} limit per transfer. Looking through their account agreement, there is only a limit of 6 transfers, and no amount limit. Rather than go through the hassle of arguing with someone with no authority, I just wanted to close the account. I was informed that the closure would take up to 4 business days and any funds transferred would take an additional 2 business days. Problem # 2 -- - they are keeping my funds for 6 business days held in limbo without interest. From CD liquidation to funds received at my external account, Synchrony Bank is keeping my funds, interest free, for 9 business days, not to mention the inconvenience or any other costly problems this has caused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I opened a credit line to buy a set of couches from XXXX XXXX. The credit is from Synchrony Bank. The initial credit limit was {$2500.00} and I used it to buy the couches mentioned above. The issue is that Synchrony bank decreased my credit limit below what I owe and my credit score shows that I'm using 145 % of my credit. Synchrony bank is doing this with the intentions of affecting and charging fees that they shouldn't have. My other concerns are that I have other cards with them and they're decreasing the credit limit and I'm afraid that they will also decrease my credit limit below what I owe, which will increase my credit usage above 100 %. I talked to them and they said that they can't do anything about it. As a customer, I have credit and loans with other banks and they're not decreasing the credit limit below what I owe. I don't think that it's legal what Synchrony bank is doing, specially during a pandemic year and inflation. They're taking advantage of their customers and affecting the credit score. I told Synchrony bank that the only reason that my score is affected is because what they did with my credit line, where they decreased it below the amount I owe. Synchrony bank decreased the credit line closed to when the promotion expired. They're sharks trying to charge fees and ruin the credit of the costumers. None other banks that I have are doing what Synchrony Bank is doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A