Date Received: 2022-06-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment for the full balance of my Synchrony Bank PayPal XXXX XXXX as of XX/XX/22 ( {$3800.00} ), the money was withdrawn from my bank account at least 1 week ago as of toay, and they told me that the paymet will not reflect in my account until at least the XXXX of XXXX. In the meantime, I don't have my money in my bank, nor I can't use my card. In a nutshell, they are using my money for at least 15 days. Enclosed is the conversation with their Rep. Connect to Live Chat Waiting for Representative Current wait times for services with a live agent are up to 2 minutes. Welcome to PayPal Credit Card Live Chat. Your chat will be monitored and recorded for quality purposes. A chat agent will be with you momentarily Can someone review the appliation of my last payment from XX/XX/22, it is not posted to my account, therefore I can't use my card XXXX Hello XXXX. Thank you for contacting Synchrony Bank regarding your PayPal account, we appreciate your business! XXXXXXXXXXXX>My name is XXXX XXXX XXXX XXXX Could you please elaborate your question? Can someone review the appliation of my last payment from XX/XX/22, it is not posted to my account, therefore I can't use my card XXXX I will check that for you. XXXX Could you please verify your mother 's maiden name and the 3 digits CVV code, which is behind the card? I made a payment on XX/XX/22 it was withdrawn from my bank account, and still not posted, I can ; t use my account XXXX I will check that for you. XXXXXXXX XXXX XXXX XXXX Thank you very much for the verification. XXXX Please allow me 2 - 3 minutes to access and review your account to help you better. Sure, appreciate your help XXXX I apologize for the delay as it is taking a little longer than expected to access your account. Please give me another 2 - 3 minutes. No problem XXXX Thank you for staying online, I appreciate your patience. XXXX The payment of {$3800.00} made on XX/XX/22 is on hold and will get released on XX/XX/22. Once released, the credit will be available. XXXX When there are multiple payments or large payments, the payment goes on hold due to security reasons, however, once it is verified by your bank, the payment will be released. XXXX Request you to wait until the payment gets released. ON THE XXXX XXXX Yes. XXXX Would you like me to assist you further? That is 15 days, without the money in my bank account, nor my credit. XXXX, I know it is not your fault, but that is unacceptable XXXX I agree with you. XXXX Since this an XXXX banking XXXX, very rarely, this issue arises, wherein there is a delay from the customers bank in verifying the payment. The money already left my bank account, how come Sorry my friend, I know you don't make the rules, But le your superiors know I will file a claim with the CFPB End Live Chat
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
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 a bedroom set from Ashley furniture on or about XX/XX/2020. The purchase price was {$3100.00}. The set was brand new. Over the course of the past year or so I had issues with receiving a damage free headboard for the set. The headboard was approximately {$350.00}. I've had 4 headboards delivered, each one had noticeable damage. I was told after the first delivery that they usually try two deliveries, I've had 4. I had to identify the damage, the companies delivery team never did. I worked with the company each time a damaged headboard was deliver. Each head board had touch up paint on it after they were damage, the company knew they were damaged but still tried to deliver the pieces to me each time. The current headboard I have is the last damaged one they delivered. I asked that the matter be escalated to a manager, eventually the company stopped returning my calls. At that point I disputed the amount for the headboard with the credit card company Synchrony XXXX. Their response was, " It is the cardholders responsibility to work in good faith with the merchant to resolve the problem. The merchant has attempted to work with you in order to reach a resolution. Please contact them at ( XXXX ) XXXX, so they can help resolve your issue. '' This is not true, I made a good faith effort to resolve the issue with the company. Delivering damaged headboard after headboard is not a good faith attempt to work with me. My time is valuable, I didn't sign up for this when purchasing the furniture. I've attached a few pictures of the damage headboards, there were others that were taken by the delivery team.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18902
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I contacted Synchrony Bank on XX/XX/22 about a credit card that appears to have been fraudulently created in my name. It is for their JCPenney credit card, a card which I have never owned. They said I had to mail a XXXX XXXX about the problem. Today I got a new email, this one from Lowe 's, about my Lowe 's Advantage credit card. It appears that a second credit card has been created in my name that I have never owned and never requested. These credit cards need to stop being fraudulently created and XXXX needs to address their security system that is being breached by hackers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: A year ago I applied for a XXXX XXXX credit card and was approved for a XXXX limit I have not kept a high balance on the card and currently owe less than XXXX. Synchrony bank decided to do a credit pull and decrease my limit from the XXXX to XXXX which has shown that the card is now maxed out and causing a credit score drop on my credit report. I have attempted through XXXX XXXXXXXX to resolve and Synchrony has denied to restore my card at the original limits I was approved for. Credit fluctuates and it is truly unfair to punish a card holder not by only decreasing the limit on the card but causing a negative remark on my credit report which was a total of XXXX points. I have a XXXX XXXX card that around the same time decided to increase my limit from XXXX to XXXX so it is extremely confusing and frustrating for me to get a decrease in my limit when I don't keep the card maxed out and I am making payments on top of the damage this did to my credit score on my credit report.
Company Response:
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Paid my Synchrony Bank Sams Club credit card in total of {$3700.00} and accidentally paid it twice resulting in the same amount as a credit. Contacted customer service and was told that it would take 7-10 business days to receive a check and there was no quicker way. I wait a week and call back to check the status. I was told that it had not been processed. I was then told that they would send it via XXXX XXXX in 3-5 days. Requested a manager to contact me back as to why it was not processed the first time. Never received a call and never received the check. Call back a week later to find out that it was still being processed. Was told that a Manager tried to contact me but the notes said that there was some noise but nobody said anything. I never received the call and they didnt try back if they did call. Im now given the same song and dance about getting my check and someone following up with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I hold an account with Synchrony Bank for an affinity " Gear Card '' for Guitar Center. I made a purchase on XX/XX/XXXX in the amount of {$4900.00}, an amount sufficient to award me four " Gear Card Reward Certificates '' in the amounts of {$100.00}, {$100.00}, {$100.00}, and {$30.00}, for a total of {$330.00}, all exiting on XX/XX/XXXX. This was per a promotion published on the Guitar Center site at XXXX XXXX of purchase. On XX/XX/XXXX, I made a purchase in the amount of {$30.00} and applied one of the codes funded to the amount of {$100.00}. On XX/XX/XXXXXX/XX/XXXX, I made a second purchase in the amount of {$38.00} and applied another {$100.00} code. On XX/XX/XXXX, I made a purchase of {$490.00} and applied the other two codes in the combined amount of {$130.00} to offset my purchase. However, the Guitar Center site would not allow me to apply the additional codes whose remaining balances are {$69.00} and {$62.00} respectively, for an unused total credit amount of {$130.00}. The site said the codes had already been applied and were not available. On XX/XX/XXXX I called Synchrony Bank to resolve the issue to that my unused credit amount of {$130.00} could be applied to my XX/XX/XXXX purchase. A service agent at Synchrony Bank stated that codes can not be applied to cover more than one purchase. He stated that this information is posted on the Guitar Center site when promotional incentives are offered when making purchases like my original purchase that created these rewards. To the extent that there may be any such text or explanation of terms and conditions describing the limited use of these Gear Card Rewards, stating that they are not in fact equivalent to their stated dollar amount values except under specific conditions, this consumer disclosure is well obscured or hidden. This is an abusve and dishonest marketing practice that Synchrony Bank refuses to remedy. During my call with the service agent, I told him that I was filing this matter with the CFPB, and I asked him to please conclude our session so that I may be directed to the automated consumer survey that their system says will be available at the end of the call if I stay on the line. He ended the call. I was not directed to a survey. Instead, some other agent spoke on the line and said, " Hello? '' I told her I was holding after a completed service call to take the customer survey. She told me to please wait on the line to that I made take the survey. I was then immediately disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Synchrony Bank has sent false credit reports to the credit bureau, each month, for " unpaid '' payments of more than 60 to 90 days. The monthly balance is always paid on time. Sometimes, a bigger amount is paid more than the minimum amount due. It is set on auto pay, meaning the balance due is supposed to automatically come out of my account each month. Synchrony Bank scams their customers who make on-time payments; adding unreasonable late fees, decreasing their credit score and closing their accounts without warning. This has been on going since XX/XX/2020. The amount due changes every month because of false late fees. Something needs to be done about this company and the horrendous, scamming practices. It's detrimental to the customer who makes it their duty to make on-time payments and keep their credit score in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied and was denied credit from Amazon XX/XX/2020 ( violations of 15 USC 1611 and 15 USC 1691 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony Bank ( operating as JC Penney Credit Services ) reduced my credit limit by 62 % for a payment not made within 8 days of statement. I could understand if they did this after 30 days, but it's been 8 days... EIGHT days. This is a breach of the contract I signed with this company. Their " Account Manager '' on a recorded call refused to explain why, giving lip service such as " your 8 day late payment prompted a a review of your account ''. I've had credit for 15 years - NEVER ONCE has a company ever committed such blatant disservice to a LOYAL PAYING CUSTOMER. I could also understand if I had " bad payment history '' but I do not. Going far back as when I opened the account initially a few years ago, I always have made my payments each month. From time to time I may have had to pay a couple weeks late waiting for a paycheck to hit my bank, but have ALWAYS accepted and paid the late fee without question. Never has my account ever with this company gone 30 days past due. To treat a customer in good standing like this, and then to give some lip service about the decision being made to reduce it based on other factors when I have NOT applied for new credit with them, nor have I requested a credit line increase is blatant BAD BUSINESS PRACTICE. This company should be ashamed, and frankly this treads into legal waters which they have clearly not taken into account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46544
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: COMPANIES MADE INQUIRES ON MY NAME AND WHEN I CALL THEM THEY DIDN'T FIND IN THEIRS SYSTEM..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A