Date Received: 2022-07-04
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 Lowes credit card that was paid off as of XX/XX/2021, Someone fraudulently made many charges on the card after this time for amounts exceeding $ XXXX. I called the credit card company which is Syncrony and they said they have to send me 1 years worth of statements and then I can try and dispute the charges. the charges were in a state that I did not live in nor was I there at the time of the purchases, I have had identity theft which has affected other accounts as well. This is severely impacted my credit score. i need help fixing this. Please help. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid Snycrony off for XXXX XXXX ( flooring ) ; promotional amount et al.via XXXX payments on the same day. Unaware they cancelled my second payment, I focused on the other damages/ payments to my home as a result of this service/ situation ( " termites '' / XXXX )/ they'd already exposed my home and I was expecting at the time/ had to finish ). They then began writing and calling just past the point of fixing this equitably and charged the promotional interest. Speaking to several " agents '' since they've admitted canceling and causing this issue but will not reverse/ remove all bogus interest charges despitetryingtogo throughtheir mediation process and being out of work. So far, I have only been routed through an XXXX call center. I'm not confident this isn't a scam, even on behave of Syncrony. They supposedly have a file and recordings admitting fault. I don't have additional money for bogus charges, as I had to repai my home after exposure, I'm still getting treatment for termites, and still sick from XXXX symptoms and not recovered financially, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a XXXX XXXX card on Sunday, XX/XX/2022. The card is issued by Synchrony bank. When I went through the application process, I requested a credit limit of XXXX or XXXX, I honestly dont remember which it was. Sadly, synchrony bank did not approve the credit extended but they opened an account with a {$2500.00} credit line. I saved the terms and conditions shared during the application process and I have not been able to locate a section that indicates I consent to the opening of an account that has less favorable terms than I applied for. It is my understanding that if an applicant os extended credit terms that are less than requested, Reg B requires notification of that decision and express consent to proceed with the new credit terms. I did not provide either. I have called the company numerous times and spent hours asking staff to validate I agreed to the less than requested terms and no one has been able to do that. In fact, staff has openly said the info is not on disclosures and a supervisor named XXXX indicated its Synchrony policy to proceed with application and not provide an adverse notice outlining the counteroffer. I believe based on the information Ive been provided, that Synchrony is engaging in UDAAP - unfair, deceptive, and abusive acts and practices and in violation of Reg B. Additionally, I was told to contact the credit reporting agencies to dispute the application which to my understanding is unacceptable as the bank should have a satisfactory compliant/compliance management system. My expectation was to have been extended a counter offer, which I wouldve declined ; instead an account number was opened. I was told if the account number would be reported to my credit bureau, I would have to request to close the account, and it would be reported as closed per customer request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have several store and master card / visa credit cards with Synchrony Financial. Without warning or valid reason they closed all my accounts. I have never missed a payment on any of the cards they closed. I have a good to very good credit score. Many of these balances I have paid in full every month. Not only did they close these accounts without reason, they reported them closed to the 3 major bureaus immediately. No other bank that I have credit cards with has ever done this. I called them and they could not give me a valid reason as to why they have closed my accounts since I have never missed a payment, never exceeded the credit limit or any other negative activity on any one of my cards with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602A : States that I have the right to privacy 15 USC 1681 Section 604A, Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in collection with the collection of any debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The XXXX credit card and the Chevron credit card is operated by ; https : //www.mysynchrony.com/ synchrony bank who has refused internet access to paying the bill on line regardless of the fact that I have been paying the bill on line since 2014. Furthermore, they are demanding that customers download some software program on their cell phone or tablet that will grant the user access to their account which is XXXX on its face. Since the software developers are using such software on cell phones to track the end users data, travel, and communications of the wireless device. I have had problems paying my credit card bill for the past six months due to restricted access where synchrony is demanding using the software program on the cell phone which I will not do. Therefore their software goes NO WHERE ON MY ELECTRONICS and the shall allow me to pay the bill on line. Enough of this restricted XXXX, as this method of restricting access of account holders to check their balances is doing nothing but restricting on time payments. These restrictions are an attempt to invade account holders privacy which was never authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I did pay synchrony bank & Walmart XXXX XXXX XXXX company I did pay them off they keep going hit my credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have requested, and on numerous occasions - a Do Not contact and from this debt collector. I am reliant on a Do NOT Contact description from FDCPA. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the cons umer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications. The CFPB has them as well. I have also - never, asked for a XXXX. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that. Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with. The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever. You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact. The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf. At some point, the actual penalties will be real - and outweigh your actions. We are at the cusp, remember there is a class of people. Do not contact any one for anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Through XXXX I have asked multiple times for XXXX accounts that have been closed for some time now and were closed in good standing, to please be removed from my credit report all together. These account are not delinquent and have no reason to still be showing up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I was victim of identity theft in XXXX of XXXX, due to a security breach at work so we were provide with internet and credit monitoring. the perpetrators that got a hold of my info started making charges to my various accounts opening up accounts and making fraudulent charges at XXXX XXXX, XXXX, XXXX, Synchrony bank, XXXX XXXX and so on. They even tried or change my address to receive the credit cards to their homes. s with out my authorization or consent. I place a freeze on my credit in about XXXX of XXXX. but now I'm still getting notifications and collection notices from XXXX XXXX XXXX XXXX / /Syncrony Bank XXXX XXXX.These charges were made in XX/XX/XXXX. After the freeze order was placed through XXXX, XXXX, XXXX. I did open an account to finance a new heat and air system for my home but we payed that amount in full {$10000.00}. Banking check # XXXX Back in XX/XX/XXXX and it cleared on XX/XX/XXXX According to my bank statement.But those charges of {$9400.00} We done on different account number. I ' have been sending them proof that Idid not authorized the opening of new accounts. I currently disputing these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A