Date Received: 2022-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened a Syncb/PayPal card in my name. While the merchant did mark the account as fraudulent they did not remove the inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92649
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
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: Date of Transaction : XX/XX/2022 Amount Paid : {$820.00} I purchased a gas XXXX chainsaw. The item was poorly packaged and was received damaged in shipping. According to amazons return policy this particular item is not eligible to be returned ( due to it being a gas powered product ) instead it is eligible to be refunded or replaced if the item is received damaged or defective. When I contacted amazon they said they would not do either of those things and told me to contact the manufacturer. the manufacturer said that since it was damaged in shipping to contact amazon. Amazon again would not do anything. I opened a dispute multiple times with the amazon store credit card issuer Synchrony Bank. They have sided with amazon every time even though amazons response didn't pertain to the dispute whatsoever. Furthermore they would never contact me about the dispute via calls or emails the last time and let the issue lapse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95662
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened my account XX/XX/XXXX with Synchrony Bank care credit, they emailed me while XXXX that my account was scheduled to be closed due to inactivity. However, I reached out to their service agent via text and described the issue explaining I was XXXX overseas XX/XX/XXXX and asked to please not close the account. They assured me they were aware and my account would remain in good standing. Then come to find out XX/XX/XXXX my account has been closed and reported to the credit bureaus. I tried reaching out to the company same day, to reopen my account they stated I had to reapply. I am at no fault for this incident and was assured my account would remain in good standing, yet while serving my country, my credit has been negative impacted and I am to apply again for another hard credit pull? Absolutely ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
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 opened a Paypal Credit account. I later realized it was through Synchrony Bank not actually PayPal. I made a purchase to XXXX XXXX on XX/XX/XXXX for {$290.00}. When I got my statement it showed a " cash advance '' charge. I had never made a chash advance so I was confused and called for clarification. They reported it as unrecognized. They returned my money to my Synchrony account and took the money from XXXX XXXX. I then realized what it was and called them back to verify the charge. They recharged the amount to my Synchrony account on XX/XX/XXXX. However, they never paid the money back to XXXX XXXX. 25 phone calls, interest charges and hours of time later XXXX XXXX still does not have his money a year later. Paypall tell me to talk to Synchrony. Synchrony tells me to call Paypal but they will not actually talk to each other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello CFPB I am in the process of disputing two items on my most recent XXXX credit report. Per their instructions, I am reaching out to you to start a identity theft report. I have a Hard Credit Inquiry from : SYNCB/AMAZON XXXX XXXX XXXX XXXX GA XXXX XXXX Requested on XX/XX/2022 I also noted this item under Inquiry Analysis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on XX/XX/2022 I did not request any credit inquiry in relation to Amazon. I also do not have any connection to or have ever lived at XXXX XXXX XXXX XXXX, NY. I contacted Amazon service department, and they have no record of a credit request on my personal account. Per XXXX instructions I have requested a 'letter of deletion ' from Amazon . I have not heard back from them yet. XXXX requires and identify theft report in order to start the process of removing these items. Note this hard inquiry does not appear on my XXXX report Please let me know if you need any other information from me to get this issue resolved Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My synchrony verizon visa card was closed. Creditor reason was the way i handled my account indicated a greater instance of delinquency. My account has always been laid in full every month and on time for the whole time my account has been open which has been over 1.5 years. All of my credit accounts are paid in full every month and on time. I requested credit increase on card on several occasions to raise credit score. All information was factual
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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 XXXX breaches. I decided to look at my credit reports from the 3 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: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX problem This account was never reported on my credit report from the time it was opened in XXXX until XXXX. In XXXX, I had XXXX late payment that I arranged with XXXX and scheduled electronically to be apx 1 week late and was advised it would not reflect on my credit report because it never had been. A couple months later I received a credit report alert because it popped up. I disputed the 30 date late at that time and it was rejected. 3 years later, my credit report shows 2 30 day late payments in XXXX ( up until this year it only showed 1 ). I also disputed which they rejected, again. However, I was advised by my attorney today there is a XXXX issue because if it never reported for over 12 years of being current, it is unfair and deceptive to begin reporting after XXXX late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50322
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hi, Yes, we have a temporary financial situation. I made the decision about debts to close credit accounts to go on a long-term customer assistance plan. I talked to a Synchrony representative for over 2 hours. This was for my Amazon, Sams Club, and PayPal cards all with Synchrony. I have a Lowes card with them as well. I chose to keep that card. The representative I spoke with said that I could keep the card open with no changes. We even joked about me getting a new refrigerator in the next couple of years if everything goes ok. They sent me a notification, an online letter, that my account was closed. Of course, they did it based on other accounts. Not the Lowes account that wasn't late. So they lied to me about not closing the account, being able to keep it, no changes, and buying a refrigerator with it in a couple of years. I had a {$17000.00} credit limit. Only {$4500.00} was being used. It was on a promotion that was only {$50.00} a month. The Lowes card has promotions for 84 months for purchases over {$2500.00}. They knew that I wasn't going to use it to buy stuff and just run it up. What would I buy with a Lowes card if I'm having financial trouble? A hammer isn't going to help, and neither is a mailbox. I understand risk management. However, you create estoppel at risk when you promise but don't deliver. The estoppel prevents you from being dishonest about things of this nature. Synchrony already found an error from 2018 on my Sams Card that resulted in a {$200.00} refund. I wonder why they are auditing that far back? This shows a pattern of errors. On the cards I closed, they are still reporting me negatively to the credit bureau, and it's killing my credit ratio. Since they are closed, it's going to be over 100 %. On my Amazon account, I'm receiving advertisements for Prime Day with offers of higher rewards and financing from select items. It specifically lists " Your Amazon Prime Credit Account ending in XXXX. '' I also am unable to utilize Amazon 's subscription and save each month for 15 % off bulk purchases of items we buy regularly. You can use any payment for that. However, with the Amazon card, you receive an additional 5 % off. There are also additional promotions throughout the year. Due to them sending this to me, I would like them to reopen the account, and raise the credit limit back up to the {$10000.00}. I don't plan on buying anything but groceries and maybe some small items on Prime Day, but this card is normally paid off each month. I really did not want to close it, but I made that decision. Partly at Synchrony 's nudge. The only one they didn't say anything about was the Lowes card. Then they snuck in and close it. I'm fine with leaving the PayPal card closed. However, it's still showing up on my company 's XXXXayPal account. This needs to be removed. PayPal is not the only way to access the account. Plus, it does not look good for my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed a complaint with cfpb for paypal credit operated by synchrony bank charging me {$7500.00} after I paid my balance of {$7500.00} with a consolidation loan. They credited me the {$7500.00} and I closed the complaint. However I received a letter on XXXX telling me that they are charging my account {$7500.00} for lack of proof of payment. I submitted the picture of the front and back of the cashed check for {$7500.00} from my bank XXXX XXXX XXXX XXXX as proof of payment. Please help me this is the 2nd time they have denied my dispute and they continue to charge me for money i paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A