Date Received: 2022-07-19
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: I have an amazon account XXXX XXXX. I have had this account for a couple of years, and no issues. I found out that I was going through Amazon and saw another version. I contacted Amazon and asked them if I take off the other account, the account I have no card for or any information. " The woman told me sure. So hold On ; I will get this taken off. She said, " All is taken care of. Is there anything else I can do for you? I said No. The next day this was about XX/XX/XXXX, I looked at my credit score, and it was down from XXXX points from Very good to good by Synchrony bank. I was confused, so I decided to call Synchrony bank and try to remediate the issue with Synchrony bank. It wasn't successful, and I got a letter saying " XXXX XXXX XXXX ) that a hard inquiry will be reported to my credit bureau. I was told that they would remove it and give me the documentation I could send to a credit bureau. I have one card, and that is all. I pay my bills on time XXXX weeks ahead of time and take my credit history seriously. I wasn't advised to close the other account, and I was very specific. I also tried to work it out with them. Thank You, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently relocated from XXXXXXXX XXXX to XXXX XXXX, XXXX XXXX After moving, I signed up for an app to enable me to use the digital parking meters in this area. The app was attached to my PayPal account, which itself has several credit cards attached to it. My primary PayPal card is XXXX XXXX, but for some reason when I signed up for this app, PayPal XXXX XXXX the parking app to my PayPal card, which was issued by Synchrony Bank. ( I never use that card. ) I tested the app in XXXX to see if it worked ; it did. On XX/XX/XXXX, I received a notice that my credit rating had dropped XXXX points. Alarmed, I checked to find out why. It seems that Synchrony reported me more than 30 days delinquent on paying off that parking charge, which was {$4.00}. With interest and fines, my amount due was now {$12.00}. I never received a bill, phone call, or official notification prior to them reporting this formerly dormant account as delinquent, even though they had my new mailing address. ( I finally did receive a bill on XX/XX/XXXX, four days AFTER I paid by phone and closed all three of my open Synchrony credit accounts. I can not believe that a {$4.00} error can cause a credit score to plunge nearly 100 points, from the 820 range to my present day XXXX. And I struggle to appreciate how Synchrony justifies dunning me without first trying to contact me more directly. Prior to this run in, I had an earlier run in with them regarding my Amazon XXXX credit card, which they had been managing. I paid that bill in full every month without fail, using my banks electronic bill pay wire service. In XXXX of XXXX I made my full payment the same way I did every month. They initially credited my account, but for some unfathomable reason, they reversed the credit the very next day. Then they began sending me threatening texts claiming my payment was overdue. I called and explained that I had paid and didnt know why they had reversed the charges ; they acted as if I was lying and demanded that I send them proof. I sent them my bank statement showing that the exact amount had been deducted from my account, through the auto bill pay system, and I included the data about the transfer that I had. They denied it was adequate evidence and refused to credit me for the over {$600.00}. Id already paid. I next had to go into the bank and have them research the transaction, provide me with a printout of their wire transfer statement, and then again mail them the physical proof that they had indeed made an error. Finally in XXXX of XXXX they worked it all out and properly credited my account, though I received no apology for the original error. After this latest {$4.00} fiasco ( I literally charge thousands on my XXXX every month with zero issues over 40+ years of relationship ) I opted to close all my Synchrony accounts and to never do business with them again. None of which resolves my current credit rating dunning over a paltry {$4.00} parking meter usage. It just frosts me that something so trivial is able to have such a major financial impact on my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company is Synchrony Bank. I just had a mix of store cards and open loop cards across XXXX plus accounts, closed today. On the phone with them I wasnt given a reason. I have XXXX late payments, every single payment has been on time across all accounts. All accounts, save one, just received limit increases. If this is an algorithm, then why give an increase and then close the account? I have less than XXXX XXXX dollars combined I just put on a few cards, so its not a utilization or payment history issue. Ultimately, I would love to have the accounts reinstated at their current limits, with no more company interference on these accounts until an actual issue arises. Paying off the accounts should not be penalized by closing the accounts, especially after receiving increases across the board. I am good enough for an increase with high limits but not good enough to keep the accounts??? This has happened to several people, good and poor Credit scores alike, high and low limits alike and is a very predatory tactic, poor algorithm logic and not a single person to actually check the computer on its logic is insanity. The only reason there is a arbitration clause in their contract is to protect them from a class action lawsuit they would most certainly get if otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Got a loan for {$13000.00} under a 0 % interest promotion from Synchrony. The promotion was represented to us as a 24 month promotion. In XXXX, after 18 months, they said we failed to pay it off within the 18 months and charged us {$5000.00}!!! Not only were the terms misrepresented to us but they also NEVER sent us account statements and NEVER even tried to notify us about thew imminent material changes to our account. We never noticed because they " encouraged '' us to set everything up for their " e-bill '' which charges your checking account directly thus negating the consumer from thinking of the account / bill and never noticing when their misrepresentations come due early. XXXX is 40 % of the original loan. THAT is loan sharking. How is that even legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07920
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I looked at my XXXX credit report online for the first time in a while. I had a credit card from XXXX that was paid in full & closed. I saw that the main bank of this old card is STILL MONITORING me & my credit monthly for the past year ( that i can see from XX/XX/XXXX to current ) I called Synchrony Bank with the number shown- I got bounced around from agent to agent & eventually put on hold for over 40 minutes. With absolutely NO answers as to WHY a company i no longer do business with or have an active account with is " watching & monitoring '' me & my credit. This is NOT OK- I want this bank REMOVED from having access to my personal info & SS #. There is absolutely no excuse for suddenly since XXXX starting to have " inquiries '' about me - I have no applied for ANY credit cards in years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am XXXX XXXX I been a victim of retail consumer fraud since XXXX until XXXX which is now I have bank accounts open in my name XXXX XXXX XXXX XXXX for 20 or more something years I received a letter from another consumer being notified the items was trying to be bought from my credit card accompany I immediately contacted the company they tell me that I have two accounts open one has been open since XXXX and one has been open since XXXX the company that was XXXX was XXXX XXXX second the XXXX XXXX XXXX company and they were very excited to tell me yes you have two accounts open with us and I'm not understanding how come I was never notified about these reports and who's the person that opened up these accounts at this time these accounts were open I was the age of XXXX XXXX XXXX so really came to my understanding of not knowing how without no identification or anything then I'm finding out being stopped by the police that I have a XXXX XXXX driver 's license in my name which I've never had a XXXX XXXX license in my name so I was trying to find out how did all this stuff happen to me and why is it going on and as of now I'm still going through this it is very harmful I am going to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspokenly I went to Social Security to switch my social they wouldn't do it for someone reason I had to go to court pay signs because of the XXXX XXXX license trying to get my license I am very sick and tired and emotionally stressed I honestly want I feel like XXXX XXXX XXXX XXXX XXXX because my human rights has been took it I would like to be contacted about this I need some help I need help with this because it's still going on money has been still not of my accounts out of my work accounts I want to bring this to a notice to be seen and for people to be penalized for this for whomever I'm thinking this is not right I even saw the case with police courts the XXXX and no one 's trying to help me out so now I'm following the case with you guys please contact me thank you I have much more to say just couldn't put every word and everything into it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Three of my Synchrony accounts were closed as a result of error. 1. Lowes 2. Value City Furniture, 3 Care Credit. The reason accounts were closed is because Lowes took an un-authorized payment on XX/XX/2022 of {$5100.00} dollars from my checking account which triggered approximately ( 20 ) account payments to other creditors to overdraft my personal checking account! I Immediately was notified by my bank, XXXX XXXX XXXX that the account was overdrawn and I then Contacted Lowes to seek a remedy for this error. Lowes refused to rectify this error and said that it would take them 7 days to issue a credit back to my personal checking account! Meanwhile, had I waited 7 days, ALL my other accounts with creditors would have been returned and delinquent. I spent years establishing & building my credit profile and have been a loyal customer to Lowes. I have ALWAYS made my payments on time. Because Lowes failed to resolve the issue after several attempts, Synchrony has closed the 3 accounts as mentioned above. This is causing me damages to my credit Integrity and is also damaging my credit profile. I want my accounts restored and and ALL derogatory information to be Immediately resolved as it should be. Note : Would like to also mention that because Lowes failed to remedy that I had no other choice but to stop payment on that account. I contacted my bank XXXX XXXX XXXX and placed a temporary block on Lowes which I later removed and then submitted minimal payment that Lowes required of {$540.00} which included late fee 's. It was after I had made this payment that Synchrony Bank closed my 3 accounts! The Payment was made on XX/XX/202XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2022, I sent Synchrony/Mattress Firm a certified letter regarding the account in question, in which they are claiming that I owe {$580.00}. I explained to them that I do not owe what they are saying I owe and the letter was a formal notice that their claim is disputed. I also requested validation ; that is competent evidence bearing my signature with my social security number, showing that I have ( or ever had ) some contractual obligation to pay them. In addition on XX/XX/2022, I sent another certified letter and this is my 2nd attempt trying to get this resolved and OFF my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a gap visa account with synchrony bank. I had received a call saying there my be fraudulent charges on my account and a letter saying my address had been changed. This was on XXXX. I called to say that I had not made any change of address and that there were fraudulent charges on my account. They would not change my address back to the correct one because they said security information did not match ( my address hasnt changed in 15 years ). They also told me that I needed a statement to dispute charges. I had called three times to dispute the charges. The statements were sent to the new address, so I had nothing. After my bill was past due the company called and changed my address back to what it should have been without any security information. I finally received a statement on XX/XX/XXXX. I called synchrony about the charges, the charges total XXXX. On XX/XX/XXXX I called and spoke to XXXX who said that a fraud claim would be started and I would not be responsible for those charges. I called back on XX/XX/XXXX to check the status of the claim and they said they had no information on a claim. I was then transferred to XXXX in the fraud department who said that a claim was started and I should get a letter with the outcome in 90 days. I called back on XXXX and the charges remained on my account. I then sent a letter to the company explaining my situation. I called back on XX/XX/XXXX and spoke with XXXX who told me that within 60 days I should have a letter on charges. I have not received any letter. Synchrony bank has transferred that portfolio to XXXX now. I was sent a statement from XXXX for the amount. I called them and they said due to the time frame they could not do anything with the charges. The lady from XXXX joined me in a call to Synchrony to try to resolve the issue but Synchrony said there was nothing they could do about it. They have no record of my account because all information was given to XXXX.Please help me. I did continue to pay off the charges I had made, because I didnt want it to hurt my credit. Thank you In the attached files, those charges with marks beside them are ones I did not make. The address on the statement is also not my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 414XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Lowe 's Credit Card issued through Synchrony Bank began charging me for " Card Security '' without my knowledge beginning XX/XX/2022. XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$69.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$66.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$65.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37659
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A