Date Received: 2022-06-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: A credit card company ( Synchrony Bank through XXXX XXXX XXXX XXXX has reversed every payment I made on my credit card and portrayed my account as over limit use by double the amount I was approved for. The credit card company has chosen to keep the funds ( although they rejected/reversed the payments on my statements ). Not only have they not refunded me for the transactions they rejected, but they have sent me to collections within 5 days of all of this activity. All in all, they have withheld the the initial XXXX XXXX dollars I paid, and have sent me to collection for XXXX XXXX dollars AND have reported negatively on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
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: 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 purchased an order from XXXX XXXX on XX/XX/XXXX, XXXXThe items were returned via XXXX courier on XXXX XXXX. I was told by the supplier that it will take a few weeks to receive a credit refund. I initiated a dispute with my credit card company in XXXX but received written documentation om XX/XX/2022. I call the credit card company on XX/XX/2022 to follow up on the matter. I was informed that my account was sold to another company, and they no longer could assist me with the matter. I called the new company the same day and spoke with several representatives for over 1 hour. They all informed me that the former company is responsible for the credit refund. I then, called the former company and asked for a manager. She told me that my account was closed and transferred. Also, I have a letter stating that I'm due a credit for {$5.00}. I have not received a check or credit refund. Since the account has been closed, I no longer have visibility of my statements. Former Company Name : XXXX XXXX Synchrony XXXX XXXX XXXX : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I used my XXXX XXXX debit card to pay {$500.00} to my XXXX credit card on XX/XX/XXXX. XXXX XXXX said it was accepted. On XX/XX/XXXX I messaged them asking why it hadn't been posted yet. They responded they never recieved the payment. On XX/XX/XXXX XXXX XXXX confirmed it had paid XXXX, with the TraceID XXXX. On XX/XX/XXXXXXXX XXXX sent a letter saying they would look into the issue and temporarily credited my credit card {$500.00}. On XX/XX/XXXX they rescinded the amount, with a letter saying they were unable to accomodate. Since XX/XX/XXXX, they have been crediting and debiting my account as follows : XXXX : XXXX XXXX Card XXXX {$500.00} Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment-payments {$500.00} Interest Charge XXXX Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment Payments {$500.00} XX/XX/XXXX : XXXXXXXX Card XXXX XXXX {$500.00} Interest Chage - {$16.00} Late Fee - {$29.00} Interest Charge - {$16.00} Late fee - {$29.00} XX/XX/XXXX Late Fee {$29.00} XX/XX/XXXX Interest Charge XXXX XX/XX/XXXX XXXX Payment - {$100.00} XX/XX/XXXX Adjustment Payments {$500.00} XX/XX/XXXX Late fee {$29.00} XX/XX/XXXX Interest Charge {$21.00} XX/XX/XXXX XXXX XXXX Card Payment - {$100.00} Currently, my balance is at {$1000.00}, with - {$310.00} available credit. I have called XXXX, XXXX, and XXXXXXXX XXXX mulitple times. I don't know how to move forward. Venmo has seemingly closed my dispute. In summary, XXXX has at the very least made too many adjustments, leaving me short {$500.00}, as well as incurring multiple late charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63303
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: Card opened as result of identity theft or fraud
Consumer Complaint: Someone has opened/obtained a credit card under my name. The account was opened on XX/XX/2022 with SYNCB/PPC with a {$3000.00} credit limit. There is a charge of {$2900.00} on the card. The banks address is : XXXX XXXX XXXX XXXX FL XXXX, ph # XXXX. I did NOT open this account. I have never received anything in the mail as far as a statement or any other information from the bank that issued the card. I want this this account shut down and removed from my credit report. I had a great credit score prior to this incident. Your assistance in this matter is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am filing a compliant for Synchrony Bank 's PayPal Mastercard 's Foreign Transaction Fee shady practice, which is deceiving to consumers. The fees NEVER appear on the " account activity '' page ( pdf print screen attached, both website and XXXX app ). According to their customer service, it is shown ONLY on the statement and it was also ONLY calculated at the end of each billing cycle. When I first applied for the card back in around XXXX, it was advertised with 0 % Foreign Transaction Fee ( pdf attached from XXXX search from their website : XXXX XXXX XXXXXXXX XXXX I never know nor recall being informed that the bank changed the fee from 0 % to 3 % ( I received NO e-mail notification for this bad news ). What happened here is that I went to a trip XXXX in XXXX since XXXX XXXX. I have been used this card as I thought it was 0 % foreign transaction fee. All the transactions accumulate showing the exchange rate based on XXXX 's exchange rate table with 0 % fee added. I checked the bank 's " account activity '' page EVERY SINGLE DAY to make sure no incorrect or fraudulent charges, but there was never any fees posted to the " account activity '' page. Checking " account activity '' has been my daily practice, as I rarely read statements since the " account activity '' should contain all " activities ''. When I opened the statement in XX/XX/XXXX, I am surprised that I have accumulated US {$69.00} in Foreign Transaction Fee in XXXX. I double checked the " account activity '' page and there was absolutely NO mention of any fees charged or posted. I contacted Synchrony Bank 's customer service on XX/XX/XXXX ( Account Associate : XXXX XXXX, Account ManageXXXX : XXXX XXXX ). They said that the fee change notification was included in one of the statements in XX/XX/XXXX. I asked and emphasized that the fees were never shown on the " account activity '' page, and how can I suppose to know as I rarely read statements as I already take the " account activity '' page as all the activities happening in my account. The customer service team reiterated they correctly charged the fees and provided a link to their new fee schedule. They are unable to understand from customer 's point of view, their website has a FLAW ( fees are never shown in the account activity page ). If Synchrony Bank has included the fees up front following the transactions, or at least showed the fees in the " account activity ' page, I would have asked earlier and reconsidered whether to use this card for foreign transaction as I have other cards also with 0 % foreign transaction fee. Therefore, Synchrony Bank should be held accountable for their website 's FLAW ( whether or not intentional to deceive customer into believing it is 0 % foreign transaction fee ), and should reverse and refund me all the fees charged since the fee changed in XX/XX/XXXX ( totaling at least US {$69.00} in XXXX, plus all other pending charges that will have fees added in the next statement ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My personal email account was hacked on XXXX, 2022. I received a notification that my tax return was accessed on XXXX XXXX the same date. I was aware my email account was hacked because I received over two dozen emails from various companies thanking me for my inquiry addressed to a weird name. At this point I changed the password on my email address. On XX/XX/XXXX, I received a notification through my XXXX app that someone submitted a credit card application for a Synchrony/Amazon credit card. I called XXXX and Synchrony on XX/XX/XXXX to dispute the application on the basis of identity theft. I also received notifications this person ordered an XXXX on my Amazon account with a delivery address of XXXX, AR. I was able to cancel this order. I received another notification that XXXX cancelled an order on the basis of fraud with the same delivery address of XXXX, AR. I'm receiving more emails from various companies thanking me for my inquiry addressed to a weird name still. Later on XX/XX/XXXX, I received another notification from XXXX that someone submitted another credit card applications to Synchrony/Sam 's Club . I called XXXX and Synchrony to dispute the application on the basis of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77511
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: my son took his dog to the vet but i filled out the paper work cause he has trouble understanding things, they wanted to know if i wanted to fill our a credit card and i did but DID NOT TOLD THEM TO USE IT, its not my dog if it was my dog i would have paid cash, the next day i did not know it he went and picked up his dog, they told him he had to sign a papper to let her go he was not told he was signing for the card to be charged HE DID NOT HAVE MY PERMISSION or they did not call me to ok it, he did not know what he signed and they had no permission to charge it!!!! i never got a bill only found about it when i cheched my credit this only the thing on my file i always pay my bills before there due the card is syncb/care credit i have tried to talk to them but dont listen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I opened a Low 's credit card XXXX I purchased a refrigerator in the amount of {$1700.00} on XX/XX/2021 even though I had not received and merchandise since the refrigerator was on back order, they charged my card immediately not having been delivered the merchandise. months passed with no refrigerator, so I canceled my order and was refunded. At that time the card had nothing on it. about 2 months ago I went to make a small purchase on my card at Lowes store # XXXX XXXX XXXX Colorado and my card declined so I called the direct # on the back of my card to customer service. They told me my card was closed due to possible fraud. So, I was transferred to the fraud department, and they told me they were going to send a new card. At that time, I found out my account was closed and re-opened a new card with a Georgia address. and she asked me about the {$7700.00} charge I had made there. I have never been to Georgia in my life. At that time the fraud department assured me not to worry that they caught the charge in time, and a new card would be issued, and I should receive in approx. 1 to 2 weeks. Never received new card. I called once again today to Lowe 's to inform them I had not received my card in the mail only to find out they had transferred the {$7700.00} charge to my new card when the already knew it was a fraudulent charge. The first lady I spoke to first was asking me very strange and suspicious questions as if she was trying to get me to say something that I should not say. The whole thing was very weird. Then I was transferred to the Fraud investigator 's I talked with XXXX I explained my discomfort speaking with the previous lady. I asked for a case # she said I would receive that in the mail. I then asked how I identify my case if I have to call back? She said use your new card #, I said I do not have a new card # so what is that? so, she said just use your old, closed card #. I'm thinking to myself this makes no sense. I told her I am not paying anything on tis card, she said, the balance will still transfer to the new card, but I don't need to make any payments. At this point I am not sure what to expect. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80260
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: lets start its about identity theft, on XX/XX/2020 got letter about credit increase, from paypal which is a Synchrony bank credit card. So called them saying not mine, and week or so later saying im liable for it account ending in XXXXThis has happened three time, called them every time same thing different accounts. The seconded end in XXXX and third end in XXXXNow with over {$18000.00} in dept and in collection. Synchrony bank said it was a digital account so I never got statement in the mail, until the end when money was do .I also contacted the credit bureau , but nothing. Have gotten many letters from bank and dept collectors .I think Synchrony bank changed account number to protect them selfs .I wished I contacted you sooner. What should I do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I had a {$1000.00} limit on my Synchrony home card. I was going to have some painting done. Recently I saw they changed my limit to {$250.00} with no notice. I have a project scheduled XX/XX/12. I contacted them as I figured it had to be a mistake. They said no they lowered it and did send me a letter. I never received a letter and I receive mail from them every month ( other statements for other cards ) and notices just fine. This affects my credit too when they lower my limit without notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A