Date Received: 2022-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have called synchronicity bank and tried to get them to remove my personal number XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they won't because it's attached to an account for XXXX XXXX XXXX I constantly get automated phone calls and want to remove my number and they won't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Syncb/tjx co dual I been paying my bill on time evrey month no late payments no nonething and they closed my account it should be no reason for this to be on my credit report wen they closed the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
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 received a letter from Synchrony Bank regarding a dispute in the amount of {$270.00} which was supposedly refunded '' on XXXX XXXX for merchandise that was sent back/not received, and it appears that the amount in question was charged back to my account on XX/XX/2022 even though I was refunded ( according to the statement and company letter ), on XX/XX/2022 not XX/XX/2022. The letter seems to indicate that the charge of {$270.00} was refunded twice, But I see '' NO '' record of that on most recent statement ( see attachments ). I see One refund on XX/XX/2022 in the amount of {$270.00} and then a reversal for that amount, added back to my paypal credit account on XX/XX/2022. So Apparently I got the credit for merchandise not delivered/received ( {$270.00} ), billed back even though it was refunded XX/XX/XXXX, because the merchant " refunded '' the amount for item not received. I was refunded the correct amount on XX/XX/2022 then I was charged for a purchase on XX/XX/XXXX in the amount of {$270.00} ( doesn't show merchant details ), which I did not order anything on XX/XX/2022 in the amount of {$270.00} from anyone on that date in XXXX XXXX, CA. So, I have been charged " twice '' for something that was refunded on XX/XX/2022 in the amount of {$270.00}, then again on XX/XX/2022. Also, the present balance on account is " NOT '' accurate. ( see attachments ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/22 my credit card account was closed without any warning. I didn't know until I tried to use my card and it was rejected in 2 places. I did call them to ask about my card being shut down and was told to wait for the rejection letter and then I could talk to somebody for help... On XX/XX/22, I received a letter as to why and the reason is this. " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of FUTURE intention not to pay. '' Nonsense... In the meantime when they shut down my account they kept my XXXX cash back I had acquired since last XXXX and said I can't have it back. I have never missed a payment and have a credit score of XXXX. 2 times I had made an early payment where they had my payment for over XXXX weeks but didn't post it so I could use the card again. I did have large purchases but they were always paid early. I didn't care as much about the card being closed but that they took my XXXX and kept it saying that's the way it is. The agreement was that this was a cash back card and I used it for this reason. I did talk to a supervisor named XXXX and he was no help at all. Didn't explain what was happening and actually seemed bored. He hung up on me. After XXXX, I decided to call corporate. They don't really have a corporate so I think I called the main bank of Synchrony and I was directed to XXXX. He was kind but said the same that I can't get the rewards paid to me. He was going to send a request in and I was told to wait a month and call back at that time. Not enough for me. Who needs a month to help me out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 a dispute about deceptively misleading marketing was brought to Synchrony Financial, XXXX Synchrony Bank, XXXX PayPal Credit. Creditor continues to post derogatory comments to XXXX and other credit reporting agencies while the dispute remains unresolved to date. Recent research of CFPB resources find that Synchrony Financial has a long history of deceptive business practices. My personal experience with them over the last six months has been most distractive and damaging to my credit report as reflected by XXXX. Please find attached correspondence with creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit account with PayPal Credit. I have made 1 purchase in XX/XX/XXXX in the amount of {$110.00} while I was out of the country. By the time that I came back to the USA, the XXXX bill was in my mailbox and I paid {$110.00}. After making the payment, I left the country again and could not come back until the end of XX/XX/XXXX due to having XXXX myself then my XXXX XXXX getting XXXX while abroad and my mother getting a XXXX while abroad. When I came back home around XX/XX/XXXX, I saw a bunch of voice mails on my USA phone and mails from Paypal as well as from Synchrony Bank saying that I owe them a balance of {$280.00} as of XX/XX/XXXX. Upon calling Paypal, I learned that when I made a payment in XX/XX/XXXX for {$110.00}, it was past due and they had already issued {$29.00} late fee, which I did not know was issued because I made the payment based on XXXX statement. Since then, they have added $ XXXX monthly late fees and additional interest charges each month. So, the initial {$29.00} late fee that was not paid with the payment of {$110.00} snowballed into {$280.00} as of XX/XX/XXXX. I should not be paying late fees over late fees. If there was any purchase that I made that I did not pay, I can understand how the fees get added until I make full payment. However, I did not see the statements or calls or voicemails while I was out of the country and a credit company keep adding their fees over their own fees is not right. I have called PaypalCredit and asked the fees to be waived considering that total balance on my account is accrued fees and not a purchase and said that I can pay the initial late payment fee since my {$110.00} payment was not received on time. However, PaypalCredit said that they can only waive {$40.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received an e-mail saying a new negative item was now impacting my credit score. I logged in and checked and it was a balance from a collection agency for an amount of {$680.00}. I asked for the item to be disputed ( with XXXX ) and they did so, but in a short time confirmed it was my information. I tried to file a police report but the police still have not returned my calls. XXXX doesnt seem concerned that Im telling them that the person who used my info to get approved for this card was not me. I told the collection agency that this isnt me. They agreed that it looked suspicious that it was not my address on the account. I still have not heard back from XXXX XXXX XXXX. My previous employer, XXXX XXXX XXXX lost my personal information due to a data breach. During the year of 2021 I had the credit reporting agencies lock my social security number with a fraud alert.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80631
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
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 created a PayPal credit account, which is through Synchrony Bank, many years ago. This account was set to make automatic payments of {$15.00} every month and did not accrue interest. So, it was slowly being paid off. It was an older account that I was not actively using to make purchases. I hoped to pay it off when I could and close it. On XX/XX/2022 I received a letter from PayPal stating that my PayPal credit account has been maxed out. I was immediately alarmed because, to my knowledge, I had not made any recent purchases using this account. When I logged on I saw that someone had made thousands of dollars worth of transactions using my account. My initial reaction was to have a XXXX XXXX, so I was not able to call until the next day, XX/XX/2022. There were many factors that made that made viewing the transactions on this account extremely confusing. To begin with, it appears that there were many attempts at transactions that ended up being denied and refunded. So. Amongst the transactions on the account there are pages and pages of adjustments, which at the time I just didn't understand. When I called on XX/XX/XXXX I believed that I was making a fraud report. But I called back weeks later only for someone to tell me that there was no fraud report started. Whoever I talked to also did not send me a paper copy of my statement. So, I had to start again waiting for a paper copy to be sent. It seemed like every time I called I talked to a different person who had some different idea of what I needed to do to file a fraud report. It was all very time consuming and confusing. What's worse, they have a time limit of 60 days to submit a claim and their workers were making it difficult for me to submit a claim in that time frame. At one point I called because the paper statement was huge and I needed help understanding it. The person I talked to told me incorrect information. That I had to go through the statement and match all the adjustments with matching transactions and cross them out, which would have taken me at least a day or two. When I asked if I could talk to someone else she told me no. I was told so much incorrect information. Then I had to submit my fraud claim by listing out all the transactions amounts and dates to a person over the phone, which took 2 hours. There were so many transactions, this was a very confusing method for me. After all of this the claim was denied and when I would call to ask about it, I couldn't get any straight answers. It seemed like every time I talked to anyone they were always writing things down incorrectly and I couldn't get anyone to correct the information. It was like a game of telephone. First they told me that they denied it because I made the account, which is ridiculous because I had never claimed otherwise. I made the account and someone else gained access. Then, they said it was denied because I made payments on the balance, which I told them already it was set up on autopay and has been for years. Now, after months, they claim I benefit from these purchases. If we look at the PayPal credit account there were no transactions on it for over a year before this, just payments. Then suddenly {$6000.00} in purchases in a matter of 2 months almost exclusively to XXXX merchants, XXXX and XXXX. There were some purchases made on the account that I did make that I didn't try to claim were fraud, those were made to XXXX and XXXX. What I believe happened was that the person who made these fraudulent purchases gained access to my PayPal account and they changed my default payment method to my PayPal Credit card without me noticing. So. I did make some charges on the account that were not fraudulent without realizing it. The fact that I did make some valid purchases on this account does not mean that there were not also fraudulent transactions happening at the same time. This was a huge amount of spending in a very short amount of time. Very different than my normal spending habits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I recently discovered Synchrony ( Ashley Furniture ) is not applying my payment i have been making with there app until the day after my due date or payment date. The company is charging me a late fee then applying my payment. This is an XXXX and unfair practice. In addition to not applying my payment on date I have it set up for ( due Date ) they are adding a late fee to drive up my balance and not reporting late on my credit when i have never missed a payment. This has been going on for last XXXX months I discovered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I reviewed my credit report and found a collections for XXXX XXXX XXXX. I disputed the account with the credit reporting agencies and XXXX XXXX sent me a letter home sending documentation that included two statements from Synchrony Bank with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either XXXX XXXX nor Synchrony Bank ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from XXXX XXXX for said collections of this alleged account. As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from XXXX XXXX the forward-flow agreement they signed with Synchrony when they purchased said alleged debt. I also request XXXX XXXX to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price. As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? I demand this account to be zeroed out, and deleted from XXXX XXXX 's systems as well as Synchrony Bank, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A