Date Received: 2022-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Synchrony Bank sold an account to XXXX XXXX. I have submitted disputes with synchrony bank and have been told Synchrony is buying back the account from XXXX XXXX. However XXXX XXXX has no record of that and states that I am responsible for the debt and need to pay it. I am now being contacted by XXXX XXXX XXXX about the debt and getting told its in legal and I need to pay it or be sued even though I have advised them of what the original creditor had stated. No one at XXXX XXXX or XXXX XXXX XXXX have access to XXXX funding information they are only tasked to collect the debt of which I do not owe. XXXX XXXX is also reporting multiple inaccuracies to the Credit Reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My compliant is with Synchrony Bank. I was approved for a credit card in the store in approximately XX/XX/XXXX. While at the service desk in a Sam 's Club, I was renewing my membership when I was ask if I wanted to fill out for a credit card and recieve a discount on my purchase for doing so. I did, but the young lady never told me that the card was approved. While shopping in Sam 's Club on another ocassion, the register ask if i would be applying my purchase to the credit card, I did not know I had. So I contacted Synchrony Bank and verified the card, and they informed me that one had been sent out, but they would re-issue a new card ; the second card was once again not recieved. I contacted them a third time in XXXX, and the second card was going to be cancelled, and a new card issued. ( see email below ). I provided a new address that I requested it be sent too, still the card has not been recieved. I believe this issue with Synchrony needs to be address, because this is or can become fraudulent. Someone is interfering with customers recieving their credit cards after approval. Last 4 digit to card : XXXX, card # XXXX, card # XXXX ending in XXXX. Recieved XX/XX/XXXX Hi XXXX, Great news! Your Sam 's Club Credit Card is on its way. Look for it in your mailbox in the next 5-7 business days. Here are your shipment details : Shipping Carrier : USPS Expected Delivery Date : XX/XX/XXXX - XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened an account with Synchrony Bank for a retail credit card with XXXX XXXX I was on XXXX military XXXX at the time. Since then other credit card companies have return and amended interested and refunded fees I had during this time to be compliant with SCRA Servicemembers civil relief act. However Synchrony bank is noncomplicit and refunds to adjust for interest rates or payments for the months and times I was on XXXX military XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I worked with my dentist office to get a service and they used CARE CREDIT by Synchrony. The terms were not clear, communication missleading and I ended up paying over XXXX dollars in fees and interest over 8 months for an expense of XXXX On top of that after approving my credit 8 months ago and nothing changing, they changed my limit drastically impacting my credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an Ashley furniture account for XXXX XXXX with synchrony bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at synchrony bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92301
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: 2022-06-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: COMPLAINT RE : SYNCHRONY BANK This is a complaint against Synchrony Internet Bank for holding onto account funds for an excessive amount of time ( two weeks ) in a high-yield saving account after request to close the account. On XX/XX/XXXX, I opened an account with Synchrony Bank and deposited {$270000.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). On XX/XX/XXXX, I attempted to close the account through Synchrony 's website and re-wire ( via ACH ) to my originating bank. This option was not available. On XX/XX/XXXX, I called Synchrony Bank 's customer service representative and was told I was not allowed to wire more than {$100000.00} and must wait a week before wiring another {$100000.00}. The representative agreed to overnight a check to me. After six phone calls and excuses made about an " internal bank mistake, '' the funds were finally wired to my account on XX/XX/XXXX, two weeks after my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank closed all of my consumer credit cards. I never had a late payment and most of them were paid off recently before they went and closed them All which hurt my credit a ton increasing my debt to income substantially.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89406
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a current CareCredit card. expiration date XX/XX/23. Snychrony Bank canceled this card during the pandemic and now I can't use it I have tried three times to get a new card issued without success. I was told in a recent mail that I have tried too many times. I use this card for eyeglasses only. I am in need of new glasses since I have not had a new prescription in over two years because of the pandemic. I used the card, paid if off and left with the feeling that I would be able to use it again if needed. I have no vision insurance and this card affords me the ability to get new eyeglasses. Please ask Synchrony Bankwhy they are denying me use of this card or why I can't get a new one. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27028
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The terms and conditions on my Paypal Mastercard administered by Synchrony were changed from 0 % foreign transaction fees to 3 % foreign transaction fees, without my being notified of the change. This resulted in {$170.00} in fees being charged, which Synchrony were unwilling to waive when I became aware of this change. In addition, these fees are not shown anywhere on the activity page for the credit card - only at the bottom of the statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or about XX/XX/2022, I applied for a credit account with Synchrony XXXX and I was denied credit on or about this date per the salesperson at XXXX XXXX. I immediately contacted Synchrony Bank to understand the basis for their decision and I was informed that they were unable to confirm my identity and that I should go to the website : verifyy.syf.com. I also informed them at that time that I am a current cardholder with their company and that I already have two accounts with them ( one closed and one open ) and that I have an impeccable payment history with their company. After several tries to upload my id in their system, the system timed out and would not accept the picture of my id and closed out without giving me another opportunity to upload the id. I contacted Synchrony Bank again ( on the same day ) to inform them that I needed to get back into the system to upload the back of my id and I was informed by the credit department that my application had already been decisioned and that it was denied. Please note that I have an impecable credit history and sustainable income to qualify for the purchase. As a matter of fact, I ended up paying for the merchandise out of pocket instead. Synchrony followed up with a letter informing me of the denial because ( in their words ) " we were unable to confirm your identity with enough confidence to approve your application at this time. '' The denial was in no way credit related and now I have a credit pull on my credit report that I am unable to remove in addition to not being able to open an account for an eroneous reason ( lack of identifiation ) when I clearly have two accounts with this company. I am writing to CFPB because failure of the creditor to adequately identify an applicant who has open accounts with the subject company is failure of the creditor 's ability to adequtely process applications and causing harm to individuals by denying credit not based on creditworthiness. Attached is a copy of the letter that I received from Synchrony outlining the denial based on identity and not credit. Please note that my home address and phone number have been the same for over 15 years and there is no way that my identify could not have been known with consistent information and 2 accounts with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A