Date Received: 2022-06-03
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: The {$2500.00} is a CHARGE-OFF amount from XX/XX/XXXX on a Synchrony Bank credit card for my PayPal Business account. I had this account for 8 years before I was unable to pay and it charged off. I closed my XXXX store and retired in XXXX, XXXX after my husband became XXXX from an accident in XX/XX/XXXX. My only source of income is my XXXX which is {$1100.00} per month. My husband receives approximately $ XXXX monthly in SSID. We don't have any property ( we rent ), no pension, no 401K, no IRA, no Bonds, no Savings. Synchrony Bank is harassing me through the Small Claims Court to recover with Collectors an original amount of approximately {$1800.00} which they blew up with fees to {$2500.00}. First I received a Summons to Small Claims Court from XXXXXXXX XXXX XXXX XXXX in XXXX, XXXX. I was required to pay an Appearance fee of {$210.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed paperwork explaining my Retired Status. I've never heard from them again about appearing in court. Today, XX/XX/XXXX, I received a notification from Synchrony Bank that they've sold this debt to a new collector : XXXX XXXX XXXX. My XXXX and my husband 's XXXX are not legally subject to judgements and Synchrony Bank and the collectors know this, but they are harrassing me to pay anyway. They hope that I don't know my rights and will comply with their illegal demands. THEY MUST BE PUNISHED AND PUBLICALLY SHAMED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61108
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 4 credit cards were used without my authorization. Syncb/JC Penney total amount used {$600.00}. Transactions in store, XXXX XX/XX/XXXX New credit card was requested on my name and mail address was changed XXXX XXXX XXXXXXXX XXXX amount {$1100.00}. Transaction was made in XXXX XXXX store at XXXX. New credit card requested and changed address Syncb/XXXX XXXX amount used {$5000.00}. XXXX XXXX XXXX XXXX/XXXX/XXXX Syncb/XXXX XXXX amount used {$13000.00} on line ( # of transaction XXXX, XXXX and XXXX. ) ,3 transaction were made XX/XX/XXXX of XX/XX/XXXX. Delivery address for furniture XXXX New credit card was requested and address was changed on my behalf. Increase of credit line was requested as well, bank authorized it.
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: 2022-06-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was sent a possibly fraudulent email and entered in my information. Here is the link I was sent. No money has been taken yet but I am now worried that a possible breach may have occurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In was looking over my report and I see you guys marked me as XX/XX/2021 on this According to the law SYNCB/Care Credit you are not suppose to do this. I entered in an agreement to settle this account under such duress during Covid. I even made an attempt to write a goodwill letter to address my concerns. In accordance with the Fair Credit Reporting Act XXXX SYNCB/Care Credit has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experience between the consumer and the person making the report are not included in consumer report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello CFPB, My dispute is with Synchrony Bank and its on-line services. Synchrony Bank is set up to automatically make charges on your credit accounts regardless of pending claims. Synchrony Bank therefore is conducting itself in a fraudulent manner to extort more money through late fees on claims that are pending resolution AND charging minimum interest fees on closed accounts. This subsequently impacts your credit report, creates undue stress, financial robbery, extortion and is creating a hostile environment. The initial credit card that I filed a fraud dispute with was a Sam 's Club Master Card ( SCMC ) owned by Synchrony Bank. I froze the SCMC account in XX/XX/2022 because I incurred a host of fraudulent XXXX charges to my SCMC account. When I realized they were continuing to allow fraudulent charges through. I called to discuss this and they informed me that auto subscriptions continue to be charged even when the account is frozen? So much for freezing the account?! I HAD to pay the balance in order to close the account. Which I was fortunate to have the money at the time to do. I submitted the fraud claim in XX/XX/2022 with SCMC, they automatically closed the account and issued a new account number. When they did this they subsequently transferred all transactions onto the other account number in XXXX while they dealt with the charges. All the charges were from XXXX. I did not make these charges nor were they reflective on my XXXX account as an auto subscription charge. There was no history or reference on my XXXX account. I was also unable to access a person for XXXX to file a complaint about the charges. It is a complete automated system referring you back to your on-line account and XXXX number that they give you in the first place. Runs you in circles. That is another issue to file about. On XX/XX/2022, all charges from XXXX were transferred to my new SCMC. On XX/XX/2022 most charges were credited off my new SCMC and I was issued a refund check. However, on XX/XX/2022, SCMC re-transferred three of the same XXXX transactions back onto my account. So, I was left with an outstanding balance. When I called to discuss it the customer service representative said that if I had filled a fraud claim then I would have not been responsible for those charges, only the others? So I waited to see if they would be dealt with. They were not. A month later I checked the SCMC account to make sure all transactions were cleared and the account closed. What I found was, the three XXXX charges were not credited back off. Those charges were fraud and should not have been re-billed. By this time I was charged a late fee because of them. Now I had a larger balance. On XX/XX/2022 I filed another fraud claim on the balance. SCMC automatically issued another credit card and transferred the balance again to another number. I decided to pay the balance through a bill pay from my bank so I wouldn't get anymore charges. Nope. Thinking that my check was just not posted yet, I waited. In the meantime, I find out that I have incurred yet another late fee, now of {$40.00}. So, I paid the {$40.00} on-line. I come to find out that my bank sent a payment but it was applied to another Synchrony account that I had? The check clearly stated Sams Club on it. I filed another claim, now a payment dispute claim on XX/XX/2022. I got back into town on XX/XX/2022 and got on-line to check the account to see if any responses or changes were made to the account. None. So I called the fraud department with SCMC. After being put on hold a couple of times to check the account, the rep talked to the supervisor and they said because the fraud charges were re-billed to the account that it was a billing issue not a fraud issue and that I would have to call them instead. What?! -They have access to all my transactions and all my on-line complaints right in front of them on the screen. So, I told them that was bs and that I was filing a formal complaint with Synchrony Bank. Which I could not find a place to file with a Human Resources division of Synchrony on-line. So, here I am writing my complaint to CFPB. I have paid again for this account to be XXXX. I paid the amount of {$82.00} on XX/XX/2022 at XXXXXXXX XXXX MST.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57702
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX, I accepted an offer from Sams club for their Sams Club rewards credit card. The card promised cash back for purchasing items such as gas ( 5 % back ) and restaurants ( 3 % ). By about XX/XX/XXXX, I received an e-mail correspondence from Synchrony Bank, the card issuer, that my accumulated reward balance was {$150.00}. I contacted Sams club and they informed me that the only way to redeem the cash back balance was to travel to a retail Sams club location and present the physical card to the cashier in customer service and a cash disbursement in the amount of the stated reward cash balance would be paid to me. On XX/XX/XXXX, I traveled to Sams Club, in XXXX, NY, and presented my card for the {$150.00} cash back redemption and the cashier told me that it was already redeemed sometime in XXXX of XXXX. I was told by the representative that my card would have had to be present in order to receive my cash reward. I told the Sams Club customer service representative that I have not been to any Sams Clubs in XXXX of XXXX and my card never left my possession upon receiving it in the XXXX Mail and that the reward balance was not paid to me. While I was still at Sams Club, I contacted Synchrony Bank to try to resolve this issue. The Sams Club representative then verified to the representative at Synchrony Bank that I was not at any Sams Club in XX/XX/XXXX, based on their electronic records. They advised that they thought the card may have been compromised and said they would send a new card to me with a new account number and research where the cash reward of {$150.00} had gone. Numerous additional calls to Synchrony Bank on XX/XX/XXXX and XXXX and again on XX/XX/XXXX resulted in Synchrony Bank blaming Sams Club and vice versa. Synchrony Bank stated that they will have an answer by XX/XX/XXXX. After stating to me that a representative would call me back, they never do. I then called Synchrony Bank on XX/XX/XXXX, and they had no resolution to my issue and again, Synchrony Bank was blaming Sams Club and vice versa. It was clear to me that after several hours on hold and speaking to countless representatives from Sams Club and Synchrony Bank, over the course of a couple of months, the bank or the Club would not provide a resolution to my issue.
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: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened an account with Synchrony Bank/MasterCard ( TJX Rewards ) on XX/XX/XXXX. Throughout, I have been a loyal customer and frequently patronized several of the TJX Companies using this card. At a later point I attempted to add my wife as an authorized user, however the cards kept getting lost in the mail. Each time I reported that I wasn't receiving the new card the bank would close the account ( potentially harming my credit score ). This occurred three times before I finally received my second card. Fast forward, ( weekend of XX/XX/XXXX ) my wife and I were attending and out-of-town event in which the vendors did not accept cash, so we relied heavily on this card to plan our purchases. After arriving at the event we learned our card was no longer working. We reached out to Synchrony customer service since we had not received any notices or emails explaining that the card was frozen. At that point we were told that the account was permanently closed due to a payment being rejected. The reason for the payment rejection was due to the fact that we had double paid Synchrony in an attempt to pay off the balance in full. We attempted a full account payment of {$2600.00} on XX/XX/XXXX ( two weeks prior to any amount coming due on our account ) for the purpose of freeing up our credit limit as we needed to make a timely and expensive online purchase with the card. After waiting several days and not receiving any notice from Synchrony that a payment was received and there being no record of the payment posting while viewing our online account page, we made a second attempt to pay off the balance of {$2700.00} on XX/XX/XXXX. This second attempt ended up going through immediately after the first attempt and we believe there wasn't enough funds to cover a double payment in that amount. ( Unfortunately our bank XXXX XXXX XXXX was having issues and not accessible during this time so we could not check those account balances for available funds ). There was certainly enough to cover the full balance though if we had not double paid. Again, at that time no money was due. We were just trying to zero out the balance. It should also be noted that from the time the second payment was rejected ( on XX/XX/XXXX ) up until we received an official email notice ( on XX/XX/XXXX ) numerous expenses had accrued on the account that are still due. After calling in, we were told the account was closed and basically it was implied they had no interest in doing business with us. We spoke to account managers, XXXX ( ID # XXXX ) and XXXX ( ID # XXXX ). I asked why they would close an account over an accidental double payment - when no money was even due ( assuming that these simple errors would be preferable to things such as missed payments or late payments ). XXXX said there must be a pattern of " insufficient funds '' transfers on our account- which is not true - and he could not provide dates or evidence of such. We requested several times to speak to their supervisor, XXXX. Their response was rude and evasive and we have still not received a call from XXXX to discuss our issue. Thus far, Synchrony Bank has done everything in its power to harm my credit score and records and at the same time discredit their name and reputation along with their partners, XXXX and TJX Companies. They've shown no interest in growing or retaining a customer base. Synchrony share holders and partners should be gravely concerned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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 submitted a dispute to XXXX on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from XXXX. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple XXXX, XXXX, XXXX, and XXXX day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( Synchrony Bank ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my XXXX score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing XXXX offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a charge card with JC Penny. I was a few days late on my payment I admit this was completely my fault. According to JC Penny customer service the system auto determined my credit worthiness was low and took my {$800.00} limit and reduced it to {$110.00} resulting in a hit to my credit score. I feel completely blind sided by their actions and unwillingness to help I have struggled to gain every point I have on my score and it is incredibly hard to maintain good credit. I am rarely late on anything and pride myself on paying my obligations on time and this action from JC Penny seems harsh for a one time mistake. This is becoming very common and companies do not care about individuals credit score and take these type of actions unfairly at the cost of the consumer. If I were 30+ days past due more than once I can see an action like this but feel their actions were unfair and possibly a UDAAP complaint as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A