Date Received: 2022-05-30
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 am writing to dispute a charge of {$500.00} to my credit card account on XX/XX/2022. On XX/XX/XXXX and XX/XX/2022, I erroneously paid twice the same amount of {$500.00}. XXXX Please see attached copy of my TJX Rewards statement. When I realized the error, I contacted my bank, XXXX XXXX, XXXX, TX, and the bank reimbursed me the amount of {$500.00} that I paid twice. Later that day, I noticed that I had another {$500.00} charge on my credit card. My bank only reimbursed me once the {$500.00} that I paid twice. As you can see on my statement, there were no additional purchases for {$500.00} made on my credit card to justify the additional charges. The only purchases for {$96.00}, I paid and canceled my credit card all together. At this time, I have completely paid off my TJXX Rewards Platinum Mastercard, and I dont owe anything to your credit card company. I also would like to add that I have a perfect XXXX score of XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76209
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I talked to Synchrony Bank at approximately XXXX today, XX/XX/2022 and spoke with XXXX and XXXX XXXX in the fraud department. They could not give me any information on my account because there was a hold on it to establish identity. There was an elaborate process which I went through... taking my picture and a picture of my driver 's license front and back. by way of a link but the system said my pictures were blurry and XXXX said the only way left was to mail me a letter with a code and I could call in and tell them the code. The letter would take 10 days and my account payment date is in 8 days so I would be in default. I went through this same process last month but I completed it and this time it wouldn't go through. My account shows a O balance but that can't be true because there are monthly charges that come through every month and I can't get access to them or see them on 'activity ' for last month. They also say I am not allowed to have any information on my account verbally because I haven't established identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX for interest free card, I needed tires. XXXX of XXXX. int. free, I signed for it. This was mid XXXXXXXX XXXX. I thought billing would be XXXX XXXX XXXX. In XXXX I began to get calls from Synchrony. 1st time I said " Stop calling me. '' The XXXX time I said, " If you don't stop calling, I'm going to report you. '' Both times, there was no response, not a sound. Then I got something in the mail and was shocked to see Synchrony on the envelope. I was in arrears for tire payment! [ Note : I was in the middle of a kitchen disaster, they took my money, spent 13 months, never finished and quit. CP did XXXX. That's where my mind was. ] I called to apologize and told them I thought the calls were telemarketers. They insisted they sent statement. They did not, all I got was the warning letter. As far as all those answered and unanswered calls, their reps. lied, claiming messages left. I swear to you that never happened. That very day, I sent req 'd amt. The first & only statement arrived in XXXX, I paid it in full. Then I found out my Credit Score dropped from XXXX to a huge loss ... 2 years later it is only at XXXX. I asked them to reverse it due to no statements or messages. They insist their reps don't lie. On contraire!!! I wrote to the 3 Credit Bureaus, to explain. I was ignored by 2, the 3rd sent guidelines. This is wrong! They are a XXXX XXXX and XXXX ruined other credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Bought a promotional item from XXXX XXXX XXXX store. The item came with 12 months interest free payments. At the end of 12 months the full interest would be applied to the balance on the card. There was never an option online to make a payment directly towards promotional item. I just got off the phone with the representative and she stated that if I called in I had to tell the representative that I wanted the payments to go to the promotional item. This is very misleading especially if I make all of my payments online to a 3rd party ( Synchrony Bank ) and there is no option to pay directly towards the promotional item. I never received any reminders, emails, calls letting me know that the payments I was making were not going toward my promotional item. I never received updates or reminders that my promotional time was ending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I became delinquent in this credit card in XXXX of XXXX, which is the same month that I was laid off of work due to having a fever. I didnt return to work until XXXX, and my Unemployment benefits didnt hit my account until around XXXX, which all went towards catching everything else up. The credit card was turned into collections in XXXX of XXXX, at which point I had set the money aside so I paid the entire balance off, however when I did this, I asked that they remove the derogatory remarks from my credit report if I paid them the whole balance. They said they would, however they never did and I made no progress at getting them to so I gave up. However yesterday XX/XX/XXXX Synchrony bank added remarks to the account that decreased my XXXX credit score by almost XXXX points. I called them and asked why this was and they stated because I had filed a dispute saying that I was delinquent on that card due to unemployment as a direct result of the natural disaster/pandemic that was covid 19, so they changed the status of the account from paid back to charge off. In addition to that, they told me that XXXX was to blame for the credit score decrease and that I needed to talk to them, so I called XXXX, who confirmed what I already knew. Which is that they just place what the companies report to them on our credit files. I found this to be extremely odd as I have paid the entire balance of the card, but because I filed a report that they didnt like they literally ruin my credit. I have worked so hard to get it up to around XXXX from what they did to me the first time and now they drop me back down to XXXX as retaliation. This has to be against the FCRA, and its unacceptable. Please help me, I am trying to get my life on track and without credit, its impossible. Synchrony/American Eagle bank is a dishonest corporation and I hope to see something done about them. Synchrony/XXXX XXXX are supposedly sending me a letter stating that the balance was paid in full by me, but were reluctant to say it was paid by me because they know they are at fault here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26508
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXXXXXX SYNCBXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I approved one company to do a credit check and have had it do multiple inquiries on my credit as well as third party that I have not approved and not directly signed up for. I have been working so hard on my credit just gor it to be hurt by all of these people checking my credit when I don't want them to. I have disputed them and they just keep showing up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77351
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The items I have identified are inaccurate and were not authorized by myself. An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hi This is XXXX XXXX. I am discussing about ongoing issue and complain to CFPB Complaint Number XXXX. I have not received any response or result of my previous complain from SYNCHRONY BANK, now they have discriminated me, I used to get PRE-QUALIFICATION from SYNCHRONY BANK and now they have stopped, e from other STORE sites. Every company has given me PRE-QUALIFICATION approved except SYNCHRONY BANK, nor they response me my current/existing complain. They removed me from PRE-QUALIFICATION. I am monitoring their discrimination carefully. Because I have complained about them, they do not like me, otherwise I have XXXX plus score on XXXX. They shouldn't have removed me from pre-qualification if there is any on-going complain. XXXX XXXX, XXXX, and others pre-qualification approvals including I got XXXX XXXX, and XXXX XXXX, including Balance of Transfers offers. XXXX did not like me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I previously logged a complaint with the CFPB regarding the failure of Synchrony Bank to release a claim for a Pay Pal Credit account. I given the name and phone number of a bank representative : XXXX XXXX Senior Specialist, Corporate Consumer Relations Synchrony Bank XXXX : IID XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Telephone Number ( XXXX ) XXXX, extension XXXX XXXX sent a reply to CFPB stating someone tried to reach out to me via phone. I did not receive any messages from Sychrony Bank. In Synchrony 's reply to the complaint I was informed that I needed to fax my memorandum title information to the lien department of Synchrony Bank. I faxed the information multiple times before and after the complaint was filed and Synchrony responded to the complaint. As of this date XX/XX/2022 there has been no release of lien or release of claim submitted to the state of Ohio or directed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A