Date Received: 2022-07-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Synchrony bank closed my Sam 's Credit Card and all my credit cards associated with Synchrony bank. Synchrony bank closed my Sam 's Card to not pay the cash rewards that I have earned approximately {$5000.00}. They stated that to contact the credit bureaus, which I do not have any missed payments or derrogatory issues on my credit report. My credit score is over 800 with no missed payments of any kind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2022, I applied for a credit card with CareCredit for XXXX XXXX in the amount of {$20000.00}. I received notice on XXXX XX/XX/2022 that I was over my credit limit. The reason that I am over my credit limit is that Synchrony Bank added an {$87.00} interest payment, which cause the credit limit overage. My credit scores which were over XXXX have now taken anywhere from XXXX to XXXX points down. The first payment is not due until XX/XX/2022 and I don't understand why my scores are being affected when I am not in default nor did I over extend the card usage. I have never had this happen before and want to know why it is happening now. I have never gone over my allotted credit and think this is very unfair to the consumer. I have worked hard and long to maintain my credit rating and now I can not move to another lender to pay off the CareCredit account because the lender thinks I am in default. I have had a CareCredit credit card before and when I used another lender to pay it off, CareCredit closed the account which also dinged my credit scores out of spite. Please help as I think this is intentional to trap the consumer so that the card can not be paid off using a different lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a late payment on my report with SYNCB/XXXX account but it was the same month that i paid the account off and closed the account so i don ; t think its possible that i could have a late payment. But i recently had my credit pulled and i have a late payment that showed up. It is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company as well as call them to ask them to explain to me how this was late and the credit bureaus but have gotten nowhere. Anything you can do to help would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: i filed a claim that was rejected by Synchrony Bank XXXX card had {$2200.00} owed on it that i didn't authorize another has {$1600.00} Another has {$1100.00} another has {$1100.00} none of these i authorized which i tried to tell them that and they still reject my claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
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 been going back in forth with PayPal Synchrony for almost XXXX years trying to make payments. Unfortunately I have had no success. XX/XX/XXXX I disputed my account because they were continually charging the account even though they stated they could not discuss the account XX/XX/XXXX I spoke with XXXX a rep with PayPal Synchrony and was told that my account was sold and I had to wait to be contacted. XX/XX/XXXX I was reported for additional late fees XX/XX/XXXX money was drafted from my bank account regarding this matter from XXXX XXXX XXXX XXXX XXXX in which I got that process stopped making a payment for {$500.00} at that time even though I made the payment PayPal reported another {$42.00} late payment in which I was disputed and it was removed. XXXX & XXXX told me that they did not contact me because PayPal attached an order for me to not be contacted. Even though I have been calling and sending certified letters to the creditors. Since I paid my account in full in XXXX PayPal did not update my balance which XXXX disputed in XX/XX/XXXX. Even though I have a letter stating that I have paid everything in full PayPal is still telling me I owe {$220.00} in which no one can explain why I still owe money with a paid in full letter. I writing this letter to get this account deleted off my profile. This was originally charged off XX/XX/XXXX and they have now changed the date to XX/XX/XXXX charge off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I talked with XXXX, XXXX. at Synchrony Bank XXXX XXXX. re : their requirements to close a $ XXXX XXXX XXXX ( before maturity with {$910.00} penalty for early withdrawal ). XXXX explained that they could easily " WIRE '' the $ $ to XXXX XXXX with " NO WIRE FEE '' because of our XXXX status, upon receipt of faxed IRA transfer docs from XXXX. She then provided her fax #. I also confirmed all the above info. with XXXX on XX/XX/XXXX ... .so this was confirmed " twice '' with Synchrony! On XX/XX/XXXX I uploaded & sent all " XXXX XXXX. '' transfer docs. to XXXX, provided Synchrony 's fax # and instructions to request XXXX. to " wire '' funds back to XXXX. On XX/XX/XXXX XXXX faxed prev. signed transfer docs. ( ALONG WITH XXXX XXXX XXXX WIRING INSTRUCTIONS ) to Sync. with " SEPARATE WRITTEN INSTRUCTIONS TO WIRE THE $ BACK TO XXXX UPON CLOSING OF THE CD. This has been verified. On XX/XX/XXXX Synchrony closed my CD for {$260000.00} ( after penalty ) AND " MAILED THE CHECK!! '' Over ( XXXX ) weekends and a holiday the check was finally received by XXXX on XX/XX/XXXX. Now the reason I requested docs be sent via fax to XXXX. and $ $ wired back to XXXX was because I was increasing my rate of return from XXXX. 's .70 % to XXXX 's 2.95 % on over $ XXXX. I was obviously trying to minimize the " float time '' this $ $ would be in transit not earning any interest. XXXX 's policy on " received funds '' is I get " instant credit '' to invest when funds are wired ... ... but if a check is sent they will put a " hold '' on the funds for up to ( XXXX ) days! Do the math and the ( XXXX ) day hold XXXX the ( XXXX ) day mail time is ( XXXX ) days that the $ XXXX was not earning interest! My math tells me that this equates to appx. {$400.00} in lost interest earnings. On XX/XX/XXXX, after learning that Synchrony " DROPPED THE BALL '' AND MAILED THE CHECK INSTEAD OF WIRING IT '' I phoned XXXX at XXXX. in the IRA Dept. to ask for a stop payment be issued on the ck. they had mailed on XX/XX/XXXX and for the $ $ to be wired as prev. requested by XXXX. XXXX said a stop pmt. would require a ( XXXX ) day hold AND he saw no note from XXXX requesting the $ $ be wirred in the first place. After further discussion he DID confirm XXXX 's instructions " requesting a wire '' and said ... ..SORRY, I DON'T MAKE THE RULES. XXXX then sent a detailed email to XXXX and then transferred me to XXXX, his XXXX. in the IRA Dept. XXXX told me ( XXXX ) different times in the conversation he did not see where XXXX had requested a wire be sent. When I told him XXXX had just confirmed seeing it ... ... he immediately went into apololgy mode and said he didn't even read XXXX 's email NOR had he even thoroughly read the transfer docs. HE ALSO CONFIRMED HE SAW FIDELITIES INSTRUCTIONS TO WIRE THE $ $! He then put me on hold and went to his Mgr. XXXX XXXX for guidance. XXXX came back on the line about ( XXXX ) min. later and said XXXX XXXX said " TOUGH ''. Nothing she can do about it. I then asked to speak to XXXX XXXX Personally. She came on line and, without any back ground or not having thoroughly reviewed the XXXX docs told me she did not see XXXX instructions to wire the XXXX I told her ( XXXX ) of her employees had just confirmed these instructions and asked her for a {$400.00} concession for their error. She said she would run this issue up the flag pole and call back in a few days. XXXX XXXX called me back today to tell me there is nothing they are willing to do to compensate for their error. Further, she continued to deny seeing XXXX wiring instructions were on the transfer docs. Then, she finally admitted she saw XXXX note to wire $ but there is nothing they are going to do to remedy their error which cost me {$400.00}. I and my husband have been loyal customers for YEARS! This is sloppy customer service that has cost me several XXXX XXXX in lost interest revenue. XXXX IS QUICK TO HIT ME WITH THE EARLY WITHDRAWAL PENALTY BUT UNWILLING TO BEND TO CORRECT THEIR ERROR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 Synchrony Bank which was the financial bank for Mattress Firm closed my account because they deemed that my credit history indicated that I would not pay my bills in the future. What they were referring to was my payment of {$50.00} was paid electronically as {$70000.00}. How this happen I dont know. I sent letters to the XXXX Boards of both Synchrony Bank and Mattress Firm. Mattress Firm contacted me and they understood there was some kind of glitch and when he contacted Synchrony Bank whoever he talked to agreed..no mattress is worth {$70000.00} and it had to be a glitch. But Synchrony Bank did not agree AND they also closed a Belk account which I owed nothing. My credit score went from XXXX to between XXXX. Please help me to have my credit rating with Synchrony Bank repaired. I did nothing wrong! Sincerely
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Well I applied for a Care Credit Card back in XXXX and I only used it twice for Me and My Son and never used it again afterwards I paid off the XXXX Bill that was owed on the Card so fast forward to XX/XX/XXXX I was facing major XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX in XXXX, TN and when I came out of fresh XXXX XXXX I came back Home with my XXXX Sons and I had an episode that was a result of temporary trauma by having fresh XXXX XXXX as stated by my XXXX Doctor XXXX so my Daughter named XXXX XXXX took me to XXXX XXXX XXXX XXXX XXXX while I was at my lowest vulnerable points and XXXX lied to the Doctors that was examining me while I was in a very vunerable state and told them that I had XXXX and had a history of it when in fact I was just having temporary trauma from coming off XXXX XXXX couple weeks earlier so being the liar and fraud my Daughter is she out me under a Conservatorship and took all my Credit Cards, My Driver 's License, and even took my Son 's Photo ID and some of his stuff too my son is XXXX XXXXXXXX he had breathing problems lost oxygen at Birth so she put Me under a Conservatorship and took Me and My Son XXXX over to her and My Son-In-Law XXXX 's House for me to recover and while we was over there they come over to our House and started throwing everything we had and cared about like stuff my kids made like XXXX Ornaments when they was little, all my clothes, all my CDS, everything we both had down at the curb like it was trash and a bunch of people was walking up and down the road grabbing stuff up like it was XXXX to them she and my other Daughter XXXX did this not out of love but out of hate and spite and they did all this like as if Me and XXXX has done passed away well to make a long story short XXXX took our Dog named XXXX away and took him in as her own and took him away from us and took it upon herself to make herself as a user on my Care Credit Card and she ran up over {$2000.00} dollars worth of vet bills and she was commiting not only fraudulent activity in my Care Credit Card but also Conservatorship Abuse as well and now to cover her tracks she turned over the Conservatorship to my oldest Son and he's just as bad abuse wise in the verbal department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like the good book XXXX XXXXXXXX XXXXXXXX said my Daughter went on charging vet bills for 3 years and I had no knowledge of her doing this with my Care Credit Card until last year in XX/XX/XXXX I called and found out what XXXX 's been doing with my Care Credit Card so I asked the Customer Representative to close out the old Card and to take My Daughter off as a User on the Card for making fraudulent charges and I filed a fraudulent charge against my Daughter for these unpaid Bills and Care Credit has been investagating this since XX/XX/XXXX and they said in a recorded line that they would hold my Daughter financially responsible for these outrageous bills and wouldn't be held responsible for these bills so this year back in late XXXX early XXXX Care Credit sends me a bill for over {$800.00} Dollars saying they transferred the Charges from the Old Care Credit Card that I closed to my new Care Credit Card that I got that I never even used this is very bad business practices on Care Credits Part after they told Me they would hold XXXX liable for the unpaid bills and now they put what she did on Me that ain't right and Care Credit needs a XXXX XXXX for doing so as I am typing this message to you I XXXX XXXX am of sound mind and out under this fake Conservatorship by My Daughter XXXX XXXX and now transferred over to My Son and a corrupt Judge named XXXXXXXX XXXX granted this Conservatorship to my Daughter XXXX nd My youngest Son XXXX has been stuck in this House for 4 years since XX/XX/XXXX and she used my vulnerable state of mind i was in back in XX/XX/XXXX that put me in this position My Daughter XXXX needs to be investagated for not just credit fraud but for commiting perjury to the Doctors at XXXX XXXX XXXX XXXX XXXX and for putting me through the heck I've been suffering for the last 4 years and I even got documentation of my XX/XX/XXXX MRI Results documentation that I ain't got XXXX and it clearly says on there that my brain shows normal aging for my age and if Care Credit don't help me in my time of need then shame on them XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38301
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX Synchrony Bank sent a letter to me with the WRONG ADDRESS under my name in claiming that they have an account with them that was sold to XXXX XXXX XXXX, XXXX. This letter was sent to me XX/XX/2017. I have never opened an account with Syncrhony Bank and somehow the letter mentioned previously even shows an account number in Synchrony Bank. It also claimed a ridiculous credit limit and available credit for my age at the time. Now during XXXX they left me voicemails pertaining to the amount I owed, and they even CALLED MY SISTER regarding my debt which I think violates Fair Debt Collection Practices Act ( FDCPA ). Also I under my credit report somehwere around 2017 they started showing up as debt collector claiming I owe them a certain amount which I believe hurts my credit score. So I was wondering if this can be fixed by your agency, many thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A