Date Received: 2022-07-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Beginning in XX/XX/XXXX, and after numerous attempts to inquire about a duplicate Care Credit Card I filed a report with this office in XX/XX/XXXX Synchrony Bank and Care Credit accepted responsibility for what I now know was cloned Care Credit Card account found on my computer at the hands of my abusive ( with restraining order ) ex-husband ; XXXX XXXX of XXXX, CT ( I live in NC ). This cloned card was used to reroute my automatic Care Credit payments to XXXX XXXX XXXX XXXX, CT to fulfill my {$650.00} balance. The card was in my name only with one purchase for XXXX XXXX. I had no way of knowing there was another card until I found a webpage on my computer after his removal with my account number for my individual XXXX ( XXXX, VA XXXX Credit union savings and checking account. According to the secret service duty agent I visited in XXXX, XXXX, paying off credit cards was a common laundering scheme. I requested records to learn where my funds were sent and received redacted records of a XXXX card- that I never owned. Synchrony simply stated in the CFPB response, " we don't know where the funds were sent. '' Is that how they cover their failure to protect my account. The background is important because Synchrony was well aware my Care Credit card was cloned as they reimbursed me funds I paid toward the assumed balance when there was no balance. Beginning in XX/XX/XXXX, I contact XXXX XXXX XXXX which finalized their merger with Langely in XX/XX/XXXX to ask what are the " XXXX XXXX '' on my statement in XX/XX/XXXX totaled {$15000.00}? '' The teller shared, " are you the only name on the account? '' I said, " yes, since it was opened in XX/XX/XXXX. '' She said it means XXXX XXXX, someone can access your account if they deposited into your account. I again went through XXXX XXXX Bank records and saw XXXX XXXX made a deposit to my account without authorization or my knowledge he had the account information from XXXX, XXXX From XXXX to date, I have contacted over XXXX people seeking assistance, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US attorney generals in CT and VA XXXX and XXXX XXXX XXXX Not to mention all the local, state, and federal law agencies I wrote to concerning crime. The teller told me a XXXX account was used to conduct the unauthorized XXXX money transfer. The criminal knew about XXXX before the FBI and secret service. You must engage the victims of domestic abuse which includes financial abuse. It must be viewed holistically, beyond any XXXX single app, such as the XXXX in the most recent NY XXXX article. Synchrony Bank and XXXX both agreed to alert consumers if unusual transfers or an additional XXXX card is issued and that is just a big XXXX lazy world lie to avoid punishment. I wrote to the XXXX and they said, we investigated, and see no problem since your funds went to a XXXX account. I opened a XXXX credit account in XXXX and they should not have allowed another card to complete this highly unusual and outrageously suspicious transaction according to their contract : As copied from their Synchrony XXXX consumer contract. " To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your account for any reason. '' My XXXX Synchrony bankXXXX card ends in XXXX. I want the records of the account number and transaction for Care Credit and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Synchrony has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by Synchrony before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Synchrony to furnish any late payments to my consumer report. It is my belief that due to Synchrony business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. I have contacted Synchrony close to 16 times through out the past eight months when the accounts in question appeared on my credit reports causing me to be denied for home loans/refinancing of my car and various other credit applications as a result. I have formally written letters requesting investigation with each of the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), without a resolution or proof of investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: About the first week of XX/XX/2022, I tried to use my amazon store card from Synchrony Bank the card was Declined? Logged in to Synchrony Bank and noticed that my Account With Amazon Store Card was CLOSED? then as I went through the ( 11 ) credit cards with Synchrony Bank had Been Closed? I then called Synchrony Bank was transferred to several agents, which got me no where!! except they said a letter would be sent to me explaining what has happened? then on about the XXXX day of XX/XX/2022, I received ( 11 ) letters from synchrony Bank each letter was for each credit card with synchrony Bank, their reason states the Following : '' After a Review of your account, Synchrony Bank has decided to close your account. The Reason ( s ) for our decision are activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. I have had these accounts for several years, all with low balances, most of which I never carried any balances, nor have I ever been late at all!! All my accounts on my credit reports show over the past 5 years have never been late EVER!! I have tried to reach out with Synchrony Bank to talk to them about these ( 11 ) Letters on these counts but NO ONE WOULD TALK TO ME, THEY JUST HANG UP ON ME!! I don't feel im being treated FAIRLY!! This is why ive reached out here with this Complaint.. Sincerely XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-07-27
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: An account was opened with Care Credit in 2021 by a XXXX XXXX in my name during XX/XX/2021. Since the existence of this account, Care Credit has reduced the credit limit from {$2000.00} ( estimate ) to {$440.00} as I continued to pay the balance down. I have paid this balance down since the existence of this account to {$290.00}. This month Care Credit stated that the Deferred Interest/No Interest If Paid In Full period has expired and placed a charge of {$310.00}. Because they continued to reduce the Credit Limit to {$440.00} and then charge the account {$310.00}, they have now placed the account over the credit limit by {$170.00}. They have also reported my account to the Credit Bureaus which have reduced my credit score by 42 points. When contacting Care Credit they have stated that they will waive the additional fees of {$310.00}, after I pay the balance of {$290.00}. Their statement still does not reverse the negative impact of my credit score. I also requested that Care Credit please furnish me the Credit Agreement regarding these terms, but they have not done so. This practice of gradually reducing the credit limit, and then imposing the deferred interest is not fair. Had the Credit limit remained the Original Limit, there wouldn't have been an over the limit negative impact to my credit score. Also, I question there reasoning for reducing my credit, because I have been continuing to improve my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I paid off my PayPal credit card via a balance transfer from my XXXX card in the amount of {$870.00}. XXXX sent is on XX/XX/XXXX. It went to my old account # which I did not realize had changed when I got a new PayPal card. I have called numerous times, sent documents, faxed documents and 10 months later it still has not posted to my account as a credit and deducted from my balance. on XX/XX/XXXX, after a call it finally posted, only to be reversed on XX/XX/XXXX and has yet to be be reposted as a credit. I am beyond frustated and stessed out over this. and I want it resolved now! I appreciated and help and resolve you can help me with. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I've reached out to Syncb/Old Navy about Acct # XXXX and how they were violating my rights i asked Syncb/Old Navy to provide me with an SSA-3288 to show that i gave them consent to report anything to my credit even if they process is online Syncb/Old Navy have to have consent from every customer that's SS # 's involved. I let them know that I have a right to privacy and that have to respect my privacy. 15 US Code 1681 ( a ) ( 2 ) ( Exclusions ), things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making the report. Consumer- is an individual ( Me ). Person-Any individual partnership, corporation, trust estate , cooperative association XXXX government, or governmental subdivision or agency, or other entity. Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer or of a credit card or similar device. I tried to explain to this company that they were violating my rights I guess a lot of companies think there above the law and don't have to follow it. It becomes extremely difficult to exercise your rights when companies think they can do whatever they want and get away with it and we the consumer have to deal with it and that's not right because as a consumer my voice should be heard, and these types of companies need to be held accountable. 15 US Code 1681b Permissible purpose of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a ( 2 ) speaks on a consumer right to privacy. I guess these companies don't follow law. This account that's being reported illegally has caused my family hardship and homelessness. This situation lines up with 15 US Code 1681 ( n ) Civil liability of willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I've tried to fix the problem with the company and i get no where
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I opened on line savings account with Synchrony Bank and transferred {$5000.00} to this account from my XXXX checking account. Several days later, Synchrony advised that the account was closed for business reasons. I requested Synchroney to transfer my {$5000.00} back to my XXXX savings account. It is now three weeks later and Synchroney will not return my money and I have made many calls to Synchrony. This is a major bank stealing money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: We had two accounts with Synchrony Bank, one was an XXXX credit card and the other was an XXXX store account. Both were in good standing and we were paying the accounts down monthly. The XXXX account included a rewards points program and at the time they closed the account there was {$75.00} available in points and another {$75.00} that would become available after the specified amount of time after purchases. With no warning, the XXXX card account was shut down and the reward points were taken away. I went ahead and paid off all that was due on the XXXX card. I called Synchrony for an explanation and spoke to someone at a call center who told me they had no access to the reason behind the account closure but that a letter would be mailed to me explaining everything. A week later we received a letter stating that Synchrony viewed me as a high risk for nonpayment ( even though I was never late and have a good credit score ). That was the extent of the explanation. About a week later, we got another letter, this one on the XXXX account, stating the same thing. What happened with the XXXX rewards was fraudulent, not to mention the fact that closing accounts like this can be damaging to my credit, which can be real financial damage to me. We were trying to buy a house in the next year and this could cost me with the interest rate we are able to secure. Synchrony Bank should not be allowed to damage innocent customers with unaccountable immunity. A quick search on the internet will reveal that this is a pattern for Synchrony lately. I tried to talk to someone at Synchrony would could help or at least explain their reasoning but, of course, that is not possible. The people who make these decisions are well insulated from the ones they are affecting. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I made a promotional purchase using a Synchrony BankXXXX XXXX XXXX XXXX XXXX and paid it off in full on the last day of the promotional period XX/XX/2022. All interim payments were made on time. I have written confirmation that the balance was XXXX. The account was closed on XX/XX/2022 so no further purchases could be made. However, a {$370.00} mystery charge showed up on the account in XXXX. I called and Synchrony said it was for credit protection and agreed to refund the charges. After the refund, there was still a balance and tI received more late notices. I called again and talked to a supervisor that said it was because the credit refund for the promotional purchase was done incorrectly. They agreed to dispute it internally, after which I received a credit for {$24.00} which still left a balance that I don't know what it actually consists of. After multiple phone calls and chats on their website ( over 4 hours of phone time altogether ), they are reporting me as late to the credit bureau, damaging my credit score. In the XXXX, while they say I am correct and it should be a XXXX balance, they have only given me multiple small refunds that still leave a {$110.00} balance and can not tell me if or when it could be resolved. In order to save my credit score I may be forced to pay a balance I don't owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. I see several inquiries from XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ). I only allowed the XXXX XXXX dealership associate to make 1 inquiry. I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX SYNCB/XXXX ( Bank ) XX/XX/XXXX 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A