Date Received: 2022-06-21
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I do not have association, credit, or loans with this creditor. This was not approved and or authorized. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX Inquired on : XX/XX/XXXX Comment : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Problem when making payments
Subissue:
Consumer Complaint: I made a payment via check to PayPal Credit on XX/XX/2022 for {$1900.00}. PayPal Credit is funded by Synchrony bank. Synchrony Bank has received the payment and it has cleared my bank. My official account statement dated XX/XX/2022 ( attached ) reflects this payment. My official account statement ( attached ) reflects my available credit in the account summary. However, when I check my credit limit is does not reflect my payment. When I called Synchrony Bank 's PayPal credit division and spoke with three separate customer service representatives I was told my payment would not be reflected for 21 days from the date of its payment ; then I was told it would clear on XX/XX/XXXX ; then I was told it would clear on XX/XX/XXXX, and finally I was told by the last representative that it would clear on XX/XX/XXXX. I asked to speak to a supervisor and was told that she could not explain why three representatives each gave me different clearance dates. I also asked why my official statement, dated XX/XX/2022 would reflect an available credit limit that was NOT accurate and was in fact misleading. It is my opinion that this practice constitutes illegal usury on the part of Sychrony Bank, or at the very least is inaccurate and misleading. Checking with the XXXX file on Synchrony Bank, there exist over XXXX complaints in the past three years alleging illegal practices engaged in by Sychrony Bank, including the behavior I have outlined in this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76205
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
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 ask Synchrony Bank for a full refund of {$3600.00} that I paid to them without my authorization and without requesting a Care Credit card. ( 2018 ) I paid Synchrony Bank that sum of money for 24 months so that my credit would not be affected. Not because he agreed to such a charge. Reasons for my claim I never applied for a CareCredit card from Synchrony Bank, nor did I authorize or sign any payment to Dr XXXX XXXX 's XXXX medical office. This Synchrony Bank CareCredit card was created between the medical office Dr. XXXX XXXX and Synchrony Bank. Then the doctor 's office charged the amount he wanted without my authorization, I never had a physical medical report for payment or arrangement that came with Dr. XXXX XXXX, nor did I sign anything, I was never in his doctor 's office, and I do not know him. I previously made a claim to Synchrony Bank with ( Cfpb Consumer Financial ) of interests that I did not understand, clarifying those interests and withdrawing them Synchrony Bank CareCredit said interests which I was satisfied but surprised by the other amount of the medical office. The Cfpb office referred me to low-cost legal help to fix things with the doctor. The lawyer told me to talk to doctor. I sent him a letter. I did not receive a response. I tried to locate him by phone to doctor, who would explain to me what he did not understand that collection of money the doctor refused to talk to me unless he signed documents. I took him to court for small claims, the doctor virtually appeared and said that I have no claim because I never attended his office and I have not signed anything between the medical office and myself. Which the Judge and the Dr are right. I was not present in said transaction nor did I request the Care Credit card, it was created without my consent. I never sign anything for them. I am a veteran, and I am treated by XXXX XXXX in the VA, that is why I did not know about the Care Credit System how it works because I never needed it Low-cost legal advice referred me again to Cfpb because things are not clear here as Synchrony Bank authorized this payment without my consent and to investigate more extensively why I have been harmed with said payment that I did not authorize. I am now informing myself how this card was created, and I asked for a report from Synchrony Bank who signed and who submitted verification which they agreed to send me in 15 days to 30 days and it's been 5 weeks it still hasn't arrived I'm waiting for it. Because in their regulations they approve a card in 7 business days and how the Card was created in my name XXXX XXXX and without passing that regulation the card was approved and the same day the card was created the doctor 's office collects the money that I don't understand either. The physical card arrived after 1 month and a half, but the doctor 's office had access to this card the same day they created it without being aware of it. I didn't know the card number or any other number, but I started paying because I didn't know. Where to complain at that time and he had never experienced one of these incidents. Thank you very much for reading my case, I hope this is clarified and my money is returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received an email from HSN stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on XX/XX/XXXX to be drafted on XX/XX/XXXX. I received a confirmation email after I scheduled my payment which Ive attached to this message. I called customer service and spoke with a young lady by the name of XXXX. She advised me that she could see that I had scheduled a payment on XXXX to draft on XX/XX/XXXX and she was sure as to why they never drafted the payment. She also advised me that this missed payment has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix. I advised her that was unacceptable as I was in the middle of refinancing my home. She told me there was nothing they could do about it. I asked to speak to a manager. She then transferred me to XXXX who immediately came on the line rude and uninterested in my issue. He immediately began ranting about what XXXX had already told me and said there was nothing he could do. He interrupted me each time I tried to speak. I also advised him that waiting 1-2 months to update my credit report was unacceptable as I was in the process of refinancing my home. He again said there was nothing he could do but to put my request in the system. I then asked him how is it that your company can make a mistake and if affect me and not you. He seemed irritated that he even had to take my call. I would like my credit report updated IMMEDIATELY and any fees removed from my account. They should not be allowed to treat customers this way. They mess up and there arent any repercussions and the customer is the one who pays the cost. Its RIDICULOUS! I also would like someone over XXXX to reach out to me in regards to his behavior! This is unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XX/XX/XXXX, I tried contacting Synchrony Bank/Paypal credit numerous times in regard to suspicious activity and some charges on my account. There was no way to get ahold of them. I tried via telephone, online messaging, and email. Nothing worked and no one contacted me. As a result and for fear of my account being compromised, I put a payment block on Paypal until I was able to speak to someone. I spent over 5 hours on the phone on multiple occasions to no avail. In XXXX of XXXX, without prior warning, I was notified that Synchrony was closing my account. I had still made payments through their online system, however since my automatic payments were cancelled, due to suspected fraud, they closed my account. They sent me a notice stating this and my credit agency notified me that the account was closed with a XXXX balance. Because the account was closed by the bank, this adversely affected my credit report. I verified with my credit agency that the account had been closed with a XXXX balance, sent a letter to XXXX informing them I was told I did not owe any money after they closed the account. After a dispute, the credit agency ruled in my favor and removed the negative remark from my account. Now, four months later, Synchrony is back demanding payment via collection calls and they have once again filed a negative remark despite this having been settled. This is a violation of my rights and I am sick of being harassed by them. I want this to stop and I want my credit report restored to good standing. Maybe Synchrony should focus on responding to fraud investigations and customer complaints more proactively so they dont have to violate consumer rights due to their own mismanagement.
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: 2022-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
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 try few times to correct my credit report I called Amazon credit card issuers many times. They charged off my credit card and closed my account without ever sending me a bill which was about $ XXXX {$40.00} for XX/XX/XXXX statement due to bankruptcy I didnt have any bankruptcy at all It was my old bankruptcy dated XX/XX/XXXX I did not have any bankruptcy since than They mistakenly took charged off Please have them remove charged off Thanks XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 977XX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I called Amazon today. This was the 3rd time. Customer service clearly said it is a problem with their " system '', and that I needed to talk to the department that changes mobile phone information in its system. Amazon had an old mobile phone number that did not allow me to purchase, log in, close account or do anything with my account. Now the Amazon credit card associated with the account does not work. Finally, XXXX in the Change Phone Number department, said she can not help me. That she can not change the mobile number not close the account. However I stated that you realize there is an App account associated with a bad account and that it needs to be deleted? She said there is nothing she can do. Then I asked her to close my account as I feel it is a security issue. She said she can not do that. In conclusion XXXX suggested I contact XXXX XXXX the owner of Amazon. I find this highly abnormal for a company to suggest. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have contacted Amazon prime store card and Im constantly redirected to Customer Service in XXXX. My credit card statement as required by federal law has only a minimum payment disclosure telling me how long it will take me to pay off my balance if I only make the minimum payment. This statement must also include the monthly payment needed to pay off my balance in 36 months and the total amount I will pay if I make that payment. This information is missing from the monthly statement. Attachment one is a screenshot of the actual monthly statement from Amazon prime store card. Attachment two and three are the supporting documents for my request.
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: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Recently opened a care credit account with Synchrony Bank, and they locked my account where I am not able to use it for my urgent XXXX procedure. I contacted the bank, and theyre requiring me to MAIL a copy of my state id and utility bill or full bank statement for them to unlock my account, which I never used, a process which will take approximately 30 days. I inquired if there was a more secure and timely manner in which I can resolve this, such as uploading the requested documents on a secure site, as I am not comfortable with mailing such information, they said no, and could not provide me with a valid reason why my account was locked, other then security purposes. I am not left to suffer with my XXXX needs because of their ineffective and careless business practice for a medical based card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: PayPal credit was opened on XX/XX/XXXX in amount of {$1600.00}. the address that was used for this, I had not lived there in XXXX years. I did not know about this until XX/XX/XXXX and contacted PayPal and synchrony bank and disputed the charge. Neither company could tell me what the charge was used for either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 520XX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A