Date Received: 2022-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am requesting that CFPB take Amazon Synchrony off of all of my credit reports ( except for my proof showing payment to Synchrony ) because they are illegally charging me XXXX XXXXXXXX for a payment I already made back in XX/XX/2022 in the amount of {$39.00}, and I had already canceled this account right after. I need all credit reports to stop this company from collecting/charging me fees and interest charges for this account which I already canceled almost the same day I purchased my grandson 's books. Amazon/Synchrony continues to add late fees, finance charges, and {$40.00} every month to my account. I have submitted my copy of my statement that proves that I have made the one payment charged to this account ending in # XXXX, but Amazon / Synchrony refuses to accept it so that they can continue to charge me $ XXXX. They also refused to cancel my account stating, " we do not consider it closed. '' I'm tired of them and they are ruining my credit. PLEASE SEE THE COPY OF STATEMENT BELOW : ( If you notice it is in the same order on Amazon showing order details, order # and what account paid for it ending in # XXXX. Had it not been paid in full Amazon/Synchrony would not have sent my grandsons books. They will not send you your products without full payment. THE ACCOUNT WAS ORIGINALLY {$39.00} and WAS ALREADY PAID IN FULL. I THEN CANCELED IT AFTERWARDS. They will not stop charging me. Please Help! Order Details Ordered on XX/XX/2022 Order # XXXX View or Print invoice Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States Payment Method Amazon.com Store Card **** XXXX Order Summary Item ( s ) Subtotal : {$36.00} Shipping & Handling : {$8.00} Free Shipping : - {$8.00} Total before tax : {$36.00} Estimated tax to be collected : {$2.00} Grand Total : {$39.00} Transactions XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX PM ( 7 days ago ) to Synchrony, Amazon
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
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: We purchased a mattress in XXXX of XXXX through Mattress Firm and by using a Synchrony Bank credit card. The first mattress was of poor quality, so we exchanged it to a second mattress. The second mattress deteriorated exceptionally fast. We submitted a warranty claim that was approved to be defective by MattressFirm. However, they only offered store credit. As this was the second mattress with them we found to be low quality and did not want to have additional days with severe body pain, we wanted to return the mattress and have the credit zeroed out. We still have the mattress. We want them to take the mattress and zero out the remaining balance {$2300.00}. They have judged the mattress is defective. It's unfair for them to make me keep doing business with them when they couldn't deliver the first XXXX times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2021, I called Synchrony to address a bill that I received in the mail for a charge I never made in the amount of {$1000.00}. This account was closed, so they reactivated it without my permission. During the call, I was informed by their customer service staff that they had mailed me a check for {$1000.00} that I never requested. I had not received the check at the time of the call. The staff person advised that the check was still in transit, so I should wait for the check, deposit it and then make the payment for {$1000.00}. I received the check later in XXXX, deposited it and called them to make the payment. During that call I was advised that they had charged late fees. I was very clear with the staff person that I would not pay any fees for a transaction that was their error, and gave authorization to make an electronic payment in the amount from my primary bank, XXXX XXXX. I was told that the payment went through, and my account was up to date ( except for the fee which they would handle later. ) In XXXX ( or XXXX ) I started to receive bills for the same account in the {$1000.00} plus fees. I called again, went through with customer service, was told it was their error and it was corrected. A month or so later I got a bill again for the {$1000.00} plus fees. I called again and asked to speak with the manager on duty. Long story short, they acknowledged their error, apologized and he promised that it was corrected. He refunded all fees and even sent an apology card. A month or so later, I got a bill for the {$1000.00} plus fees. I called again, was given the run around, and was advised that XXXX XXXX needed to send them confirmation that the payment was made. I called my XXXX XXXX who advised that this was not something that was done. They advised that this was very unprofessional, and advised that I file a claim. I followed their recommendation and filed a claim that Synchrony was claiming to not have money that was taken out of my account. A month or so later, I received a letter stating that I loss my claim because Synchrony provided proof that the bill was legitimate. I was livid because I never said that the initial bill was illegitimate. My issue was that they took money from my account that they were not giving me credit for. ( At some point during this process I also learned that Synchrony took {$1000.00} from my XXXX XXXX, which was the balance plus a fee. I absolutely never gave them permission to take that amount from my account, so on top of evening else they had taken money from my account that they were not authorized to take. ) Once I got the notice that I lost my claim, I called Synchrony again, and then called XXXX XXXX on a 3 way call. During that call i learned that according to Synchrony they had charged the payment and had it reversed by XXXX XXXX on at least three separate occasions, but all except the very first payment were marked as provisional. We all talked for over an hour, with the final agreement being that Synchrony staff would file a report with their accounting department, and XXXX XXXX would submit correspondence that the original payment was never reversed. Again, I started getting bills from Synchrony. The Synchrony representative called and asked that I fax my XXXX statement, because once again my Synchrony account was showing a provisional payment and a reversal. I faxed a redacted copy of my XXXX statement. It went directly to the manager I had been working with in addition to their accounting department. I received another reminder from Synchrony that I needed to pay my bill this week, so it still isn't resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Twice now I have told them to stop. Already filed a complaint. Was told they would stop. They called again this evening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
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: On XX/XX/XXXX, I purchased an elliptical bike from a merchant, XXXX, using Paypal Credit/Synchrony Bank , for the amount of {$1700.00}. I received the bike damaged and missing parts. I contacted the merchant, who would not honor their warranty or resolve my issue. Emails and phone calls to the company went unanswered. I then disputed the charge through Paypal Credit/Synchrony Bank for the qualifying issue, " Dissatisfied with the quality of the merchandise or service, or it was damaged. '' I originally filed the dispute on XX/XX/XXXX, within 180 days of Paypal 's policy. My dispute has been denied and closed out repeatedly for " contact the merchant for resolution, '' which I've tried to do. I have talked to many customer service reps who have had the dispute re-opened for review, only to have it denied for the same reason over and over again. I spoke with another customer rep who instructed me to send all documentation through Paypal Credit 's XXXX XXXX XXXX for review. On XX/XX/XXXX, I sent all emails between myself and the merchant, all photos of the issues, phone records between myself and the merchant, record of transaction/invoice, a copy of the merchant 's return/warranty policy, and I also faxed this information to XXXX, as instructed. I uploaded the fax confirmations to Paypal Credit 's XXXX XXXX XXXX as well. On XX/XX/XXXX, my dispute was denied for the same reason. If they were to properly review the documentation provided, they would find that I have a legitimate dispute. They are not properly reviewing my documenation and they are not honoring their buyer protection policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX & XXXX purchased a debt from Synchrony Bank in XXXX. The alleged debt was opened in XXXX and the last payment was made in XXXX. The debt was charged off by the company. I had no knowledge of alleged debt at the time and did not pay attention to credit reporting, if it was there. I went to court and advised plaintiff that the debt was not mine. Judge ordered fraud packet, which I completed, however they are claiming the debt to be mine and they are pursuing further actions. This is not my debt, and I would have never charged this amount at this specific store, and I still have an account with the store. They are not producing any proof, other than a statement with a different address than mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46323
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was defrauded by a website called XXXX and then my credit issuer PayPal Credit ( handled by Synchrony Bank ) did not investigate my chargeback despite my calling and begging them to dozens of times over the course of 4 months. I purchased a flight on XXXX XXXXn in XX/XX/2021, for the total of {$540.00}, and within a few days of my purchase, the country of the flight 's destination changed their COVID rules and US travelers were no longer allowed entry into that country at all. I attempted to call the airline to have my flight cancelled or changed. They told me only XXXX could handle it, as it was a " travel agency. '' I called XXXX multiple times but was never able to reach anyone on the phone. I called many times and was put on hold for half an hour, or just hung up on directly. I paid an extra {$80.00} on top of the cost of the flight to XXXX in order to have a " flexible ticket '' which could be changed up to 3 days before the flight. However, the ONLY WAY to make those changes was to call them by phone, there is no customer service email address, and surprise! They don't answer their phones. They soon disconnected the customer service phone number that was on their site and replaced it with a new one. Very weird and not normal for a " travel agency. '' Oh but they do have an " enhanced service '' option for an extra fee which I declined. I guess I should have paid the extra money on top of my {$80.00} in order for my " flexible ticket '' to be actually flexible. Searching social media for mentions of " XXXX '' confirmed my worst fears had come true and I had been scammed by a fly by night operation of tricksters taking advantage of COVID country closures. One person said they were on hold for hours and then the person who picked up the phone laughed at them. The airline confirmed that the tickets were in fact real, but because I had gone through XXXX, they could not refund me, which they would have done immediately otherwise because COVID closures are not within anyone 's control. When I attempted to dispute this fraudulent charge with Synchrony/PayPal Credit , they sent me around in circles for months, telling me I had not provided any documentation of my claim, and each time I tried to submit documents something mysteriously went wrong : first PayPal Credit 's web submission forms were broken, but only for me, nobody else, they claimed. They remained broken throughout this 4 month process. I sent multiple faxes which were ignored, and finally I even sent the documents by mail, with a tracking number through USPS Priority Mail ( which cost me another {$8.00} ), to a po box number that their dispute department provided me, and they still claim they never got them. They ruled against me without ever really giving me an opportunity to plead my case. I tried calling Synchrony/PayPal Credit about this dozens of times. They always told me either -- " Just wait another 90 days, everything will be handled. I think you have a good chance of it being ruled in your favor '' -- or conversely, they'd claim never received my documents and my dispute was then closed because they claim I never responded to their requests for documents. I had the dispute reopened 3 or 4 separate times and made multiple good faith efforts to send in proof that I had been defrauded by XXXX. They pretended that they never got any of my proof and ruled against me every time. Among the documents I sent PayPal Credit, which were never reviewed, there was a copy of the email invoice, which confirmed that I had paid and extra {$80.00} for the flexible ticket and that the only way to change the flexible ticket was to call them at their phone number, ( which was later disconnected ). I also sent them my phone records proving that I attempted to call a number that was listed on their website at the time of my purchase ( but again, they disconnected that number and changed it to a totally new one, very weird for a " travel agency '' ). Synchrony pretended they never received any of it, even though I have tracking from USPS proving it arrived at the po box that their dispute department told me to send them to. The way that my dispute was handled somehow felt even worse than just being stolen from by a shady website I shouldn't have trusted in the first place. I've been a loyal customer of PayPal Credit for 10 years, they were supposed to have my back. They treated my issue like a XXXX, they treated me like I was an XXXX, and at times, less than human with their hostility and condescension. PayPal Credit/Synchrony Bank helped a horrible scam website run away with my money and I will never, ever be using them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I sent a Validation of Debt to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit B ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK failed to respond to the Validation of Debt Letter via a commercial affidavit under penalty and perjury by certified mail within ten ( 10 ) days from the date of receipt of receiving the letter [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK, failed to clearly and explicitly provide me with the specific demands in the Validation of Debt Letter. A representative for SYNCHRONY BANK responded with statements which, pursuant to federal law, does NOT validate debt. No where in the law does it state that statements validate a debt. Moreover, if we want to get more technical, pursuant to federal law, a LAWFUL contract is : A Valid Offer, Adequate Consideration- must be TANGIBLE consideration, Valid Acceptance, Sound Mind/Mental Clarity and Meeting of the Minds + Wet Ink Signature ( both parties ). There is no way that SYNCHRONY BANK can provide that proof because I have never met in person with the C.E.O. to discuss any alleged contract. This then provides proof that I never signed any alleged contract agreement in wet ink and neither did the C.E.O. for SYNCHRONY BANK. Furthermore, on XX/XX/2022, I sent a Cease and Desist Letter to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit A ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK breached the cease and desist orders by contacting me after the fifteen ( 15 ) days from the date of receipt of receiving the letter violating 15 USC 1692c ( c ) [ Exhibit C, Exhibit I, and Exhibit L ]. SYNCHRONY BANK proceeded to create a new account without my written instruction or authorization. This is unauthorized use of my social security number and unlawful. I did NOT and continue to NOT consent to any and all contract agreements in regards to the new account. I am not liable to pay a debt on an account I did not give written consent to open [ Exhibit G ]. Speaking of payment, pursuant to 18 USC 8, it explicitly states the obligations of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXX XXXX 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. It is the US Fiduciary Obligation to pay the debt. With that being said, I owe SYNCHRONY BANK nothing, making all statements, emails and letters from SYNCHRONY BANK stating I owe a debt are invaild, billing errors, harassment, fraudulent, and false and deceptive forms. They are all fraud in the inducement. I am well aware that credit is the right granted by a creditor to defer payment of debt or to incur debt and defer its payments- pursuant to 15 USC 1602 ( f ). In conjunction, I am also well aware pursuant to 15 USC 1602 ( g ), creditor refers only to a person, meaning not the organization but only a NATURAL PERSON, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property and services payable by agreement. As Ive already mentioned, pursuant to 12 USC 1431, the powers and duties of banks are to borrow and give security therefore and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. No where in the law does it state that banks have the power to loan money out or extend credit. I am aware that I am the Original Creditor pursuant to 15 USC 1602 ( g ), and I extended credit via my social security card. Furthermore, only the Original Creditor can validate a debt, therefore any claim that SYNCHRONY BANK validated a debt is FALSE, as they cant. Only I can because I am the Original CreditoXXXX. UNLESS SYNCHRONY BANK can provide the LAWFUL ORIGINAL CONTRACT stating I agreed to pay the debt with my signature in wet ink, the claims made by SYNCHRONY BANK are false- which SYNCHRONY BANK failed to do in response to the Validation of Debt Letter sent on XX/XX/2022, sworn and notarized Affidavit of Truth sent on XX/XX/2022, and Notice of Fault and Opportunity to Cure Letter sent on XX/XX/2022. With that all being said, ANY credit agreement is null and void as it is not a LAWFUL contract/agreement as it does not state the accurate creditor to whom the debt is owed or the identity of the original creditor which is false and misleading representation/identity theft, violating 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 2 ) ( B ), 15 USC 1692e ( 10 ), 15 USC 1692f, 15 USC 1692j and also 15 USC 1602 ( k ) of the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). All credit reporting is also incorrect and a violation of 15 USC 1692e ( 8 ) of the FDCPA. Moreover, on XX/XX/2022, I sent a sworn and notarized Affidavit of Truth and Invoice in the amount of {$23000.00} to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit N ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per the date stamped on the return slip [ Exhibit N ]. The C.F.O. for SYNCHRONY BANK, failed to lawfully rebut the Affidavit of Truth within ten ( 10 ) days via another affidavit rebutting all violations stated. Pursuant to the laws of Commerce, an unrebutted affidavit stands as truth. Therefore, the C.F.O. for SYNCHRONY BANK, consents to all judgements made and is liable to compensate me for all violations stated via the amount stated in the invoice of {$23000.00}. On XX/XX/2022, I sent a Notice of Fault and Opportunity to Cure Letter to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit O ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit O ]. The C.F.O. for SYNCHRONY BANK failed to cure their faults within ten ( 10 ) days via a commercial affidavit to validate the alleged debt and another affidavit to lawfully rebut all violations stated in the Affidavit of Truth. The failure to cure and honor their faults places the C.F.O. for SYNCHRONY BANK in DEFAULT. The C.F.O. for SYNCHRONY BANKs failure to cure their faults also means the C.F.O. for SYNCHRONY BANK willfully and knowingly violated my federally protected rights and consented to all judgements made by the Affidavit of Truth. The C.F.O. for SYNCHRONY BANK is liable to compensate me for the violations committed stated in the Affidavit of Truth, as well as any accumulated additional violations committed since. This amount is stated in the Bill of Particulars [ Exhibit P ]. As a last measure to stay in honor with federal law, I sent the C.F.O for SYNCHRONY BANK a notarized Notice of Default and Consent to Judgment Letter on XX/XX/2022, received on XX/XX/2022 [ Exhibit P ]. I provided the C.F.O. for SYNCHRONY BANK the opportunity to cure by default by completing all of the following actions within ten ( 10 ) days from receipt of receiving the notice. SYNCHRONY BANK failed to do so. Lastly, I sent a Certificate of Notary of Dishonor and Non-Response Letter and put all of my claims thus far on the record with a witness- which was sent to CFO for SYNCHRONY BANK, and received on XX/XX/2022. I received the letter labeled Exhibit R in response. As you can see, this letter from XXXX XXXX of the Office of the President, is not in the form of a commercial affidavit signed under penalty and perjury. Therefore, this response is unlawful and no claims made are interpreted as Truth. Furthermore, I continue to be sent statements in the mail for this fraudulent account in question- which is a result of mail fraud and a criminal violation of 18 US 1341 [ Exhibit Q and Exhibit S ]. This is harming my reputation and causing my life so much mental, emotional, and financial distress. I have done all there is to stay in honor in alignment with federal law and SYNCHRONY BANK continues to violate my federally protected consumer laws under 15 USC Chapter 41. I have given SYNCHRONY BANK ample opportunities to provide proof of claims and they have failed to do so. As you have read, I put my entire process on the record via the XXXX XXXX of XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called the company on XX/XX/2022 because I recieved an alert saying that my card was over the limit. Care Credit account # XXXX are using unfair credit card practices. My credit balance was lowered from {$10000.00} which I did not recieve notification about this and it caused my balance to be over the limit on my credit card servely. After my promotional % charges were completed they ballooned my Interest charges to a one-time of fee of {$3300.00} Which to me is a complete shook because I did not know that I was on a promotion also I was made aware that I was recieving a promotion that ended XX/XX/2022 which was not made clear to me when signing up for the card. So every payment I made they took and did not give me credit for. This is predatory and unfair.I have made all my payments with no missed payments to this company they lowered my limit without notification and whitheld that I was on a promotion and on top of everything they intenitionally lowered my limit to take all the money I've paid theme.
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: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hard Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. -SyncB/Paypal ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. -SyncB/Paypal ( XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. XXXXXXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A