Date Received: 2022-06-29
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: A fraud dispute with Synchrony Credit. The company agreed to refund original disputed charges. When checking the math, 3 of the disputed charges were not refunded. Attached is a screenshot of the Synchrony statement showing all refunded amounts. XXXX charges for {$360.00} and XXXX for {$410.00} ( {$1100.00} total ) were not refunded. Since my original balance was < {$800.00} before the fraudulent transactions in XXXX, and I have made around {$1200.00} in payments since then, my current balance should be a negative number. Note : Synchrony did not respond to my first letter to them in XXXX of this year. They did respond in XXXX XXXX CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On Saturday XX/XX/2022, I purchased a table and chairs from XXXX XXXX using my Synchrony Home Card for {$1800.00} plus tax ( {$150.00} ) equals {$1900.00}. I am being wrongly charged by Synchrony Home the amount of {$2300.00}. This amount is wrong. I am being wrongly charged an additional {$290.00} plus tax which comes to {$320.00} which was refunded back onto the Synchrony Home Card by the retailer. I can show proof of the refund of {$320.00} to the Synchrony Home Card from the Retailer. My daughter had to do a XXXX News Segment regarding this refund of {$290.00} plus tax = {$320.00} I know I owe for the table and chairs {$1900.00} because that is the only thing I purchased with this Synchrony Home Card but I do not owe the additional {$320.00}. I do not owe {$2300.00} Please see the attachment showing my proof of refund. Please correct this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: i sent a payment for services on XXXX and the merchant didnt use venmo anymore and I had no idea, so i paid the merchant through XXXX XXXX expecting that XXXX would cancel the transaction because both me and merchant requested the cancellation but sense merchant owed XXXX, they will not cancel the transaction, but its not my fault the merchant owes XXXX, regardless if the merchant and buyer are asking for a cancellation it should be cancelled, but they are not going to cancel, even after showing proof payment by other means such as XXXX as I did. please have XXXX release my account and unfreeze it. GOD BLESS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Collection agency XXXX XXXX XXXX reported a fraudulent debt to the credit bureaus saying I was 120 days past due on a debt I knew Nothing about until my bank told me my credit score had declined by XXXX points. I called XXXX - spoke to XXXX XXXX today XX/XX/XXXX, at XXXX who wanted the account number that I never had and then said to investigate me I had to prove it wasn't mine. Then she said the original debt was from XXXX, and could I prove I didn't live in XXXX then. I have never lived in XXXX, I have been at my XXXX address since XXXX. I have had second houses in XXXX and XXXX, never XXXX. Then she said the investigation would take 60 days but they would never tell me what happened because I said reporting it to the credit bureaus without contacting me first lacked due process and was harassment. I have been the victim of identity theft, so all three credit reports are frozen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received notification from the credit bureau that my old navy credit card account had been closed in XX/XX/XXXX. I later received a notice by mail that they were in fact transferring service from synchrony bank to XXXX and that it " would not affect my credit '' ( It did because it was inaccurately closed ). I received a new credit card agreement pending the credit card. The notice indicates I should have already received my new card in XXXX. I have tried calling to no avail as they are not able to identify the account due to it being closed inaccurately, only to be told that I can reapply! I as the consumer at no fault, should not be asked to reapply. I have been an existing account holder with excellent pay history since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: SynchronyBank/Sam'sClub World Elite Mastercard. I have durable power of attorney for my mom. Trying to close this acct. Per their request, I sent in the durable POA. They acknowledge receipt. Three phone calls and talking to 5 people and receiving a letter from them, the XXXX XXXX refuses to close acct unless I provide my DOB and SS to prove who I am. I have repeatedly told them the signed, sealed, notarized, and recorded POA proves who I am. I just want to close her account, not use it. They refuse to close it. I have asked to speak to the department responsible for the letter to address. They refuse to put me in contact with a person of decision making position. My mother is in XXXX living and will not be using this XXXX. There is no reason to have my personal identification to close an account when they have a signed, notarized and sealed POA which allows me to act on her behalf.
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: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Synchrony Bank " Home '' Card of which I have been paying over the last 3 years as it offered 0 % for a period of time. My complaint is that relative to the current required monthly payment of {$85.00} due on XXXX XXXX, I paid the bill on XX/XX/2022 and the institution charged me a {$40.00} late fee ( 47 % of the regular payment ). I find that this fee is punitive and believe that the late fee 's should be no more than 10 % of the payment due. ESPECIALLY since I pay them electronically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Good afternoon, Recently I have made several attempts to apply for the XXXX XXXX XXXX. According to XXXX 's Terms and Conditions, I am free to apply for this card as my account is in good standing. When I first applied for the card using my XXXX e-mail address, I was given the error that I already had a XXXX XXXX or XXXX XXXX linked to my account. This is not correct, and I am continuing to receive this error. My PayPal Extras Mastercard account that was present on this XXXX was closed and is no longer showing on my end. When I spoke with Synchrony, they confirmed that the account was closed as well. The few times I have spoken with XXXX ( recorded on their end per their company policy ), I was told that the issue was with Synchrony, as they can also confirm that there is no PayPal Mastercard or XXXX XXXX account present on the XXXX XXXX account. There is a XXXX XXXX product on my alternate XXXX account, the XXXX account, but this is a seperate account that should not come into play here as it is on a seperate XXXX account. To be clear, there is no active credit product present on the XXXX XXXX account, yet I receive the error even after changing devices, logging out, logging back in, and performing basic troubleshooting steps. At this point, I have spoken to both XXXX and Synchrony bank today and in prior dates. XXXX continuously pushes me back to Synchrony and Synchrony suggests that opening a new XXXX account is the only way to resolve this matter. This is not correct, and it is deceptive to display messages on my account and to my email address asking that I apply for this credit product to then tell me I am not eligible. On XXXX XXXX, there is a scrolling advertisement to apply for XXXX XXXX ; this is significant because it would not show on my account if I had an active Credit product already present, per XXXX 's original terms and conditions when I worked there XXXX years ago. For this ad to display, it confirms that XXXX shows that a Credit product is not active and it wishes for me to apply for XXXX. I am willing to, but only for the XXXX XXXX Mastercard that I am entitled to based on my XXXX account itself being in good standing and the Extras Mastercard account being closed. Thank you. Please let me know if there is anything I can do to assist in this investigation. At this point, this XXXX complaint is being filed against XXXX and Synchrony bank for their inability to use their own terms and conditions to allow me to obtain this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68005
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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: my email is XXXX. I dont know where to change it.I had 2 payments to my account on XXXX and XX/XX/XXXX but not from my bank. The amounts were XXXX and XXXX. In the meantime charges were placed before these deposits were sent back to the bank. Following are charges that I didn't make. XXXX XXXX for XXXX. I looked up my purchase history and I do not have anything that was ordered for that amount. same with XXXX on XX/XX/XXXX for XXXX,. XX/XX/XXXX ( XXXX ), XXXX, XX/XX/XXXX ( twice ), for XXXX. I don't have anything to show for this and I have a XXXX XXXX card I could use. on XX/XX/XXXX another XXXX XXXX charge for {$600.00}. I is amazing how my supposed purchases came out with an even number. I have cash being taken out from a gas station for ( XXXX on XXXX and XXXX on XX/XX/XXXX ) and XXXX on XXXX for XXXX for XXXX products. I don't have any XXXX products nor do I ever withdraw cash from a credit card nor get cash from a gas station. These are only a few I have questions about
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A