Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 payment was sent to XXXX & XXXX XXXX Synchrony bank to pay off the balance for the amount of {$340.00}. Included in the check amount was a copy of the statement and the payment was mailed to the processing center XXXX XXXX XXXX XXXX, Florida XXXX. For some reason, the check was returned stating the company did not know how or where to apply the payment. A copy of the statement was included so there should be no discrepancy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Here we go again! Or rather still.. I simply do not understand why Synchrony has to be so complicated in your payment allocation process. It is, and I have previously accused you of " sprinkling micropayments '' across all balances, some not due for as far out as 11 months, PURELY for the fact, the AVERAGE consumer will think, " hey I have been paying on this account for a year '' - and they ASSUME ( wrongly ) that a promotion is paid off, when in fact, it is not, and HUNDREDS of dollars of interest comes rushing forward. Which I am sure, if that AVERAGE consumer catches that, they call you, you say, your patent answer " sorry, let us fix ''. Well you are in fact NOT SORRY, if you were truly sorry, you would FIX THIS ONGOING ISSUE. When I have complained about Synchrony 's payment handling in the past, I get your FORM LETTER that blabbers on about minimum payments and that all payment made is applied to expiring promotion in its final 60-days. FLAT. OUT. LIE. I have now two statements, that payments are NOT applied to balance expiring in 60-days but again, still, micropayments applied to balances now expiring as far out as XX/XX/2023 - XXXX MONTHS from now! It is NOT RIGHT, that the consumer has call EVERY MONTH to ENDURE your system FORCING us to hear last transactions, available credit, insisting to text it to us, and on and on, before we can get to a live person, who MUST be an " Account Manager '' in order to allocate the payment the way it SHOULD have been allocated, the way YOUR OWN POLICY so states it should be handled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony is a terrible company and has done damage to the operation of my business and to my credit score. They had given me a 2 % cashback business credit card, and I used this business credit card as the daily card for my business purchases. The credit limit was not enough for my monthly purchases, so every couple of days, I would pay off my balance. According to their online user agreement, the payments made on their website would be applied to the balance within 2 days or 48 hours. I am attaching proof of the online usage agreement that states available credit will be updated within two business days of the payment date. I had been using the card for over 6 months, which I was told was a trial period to ensure I was capable of making my payments on time. In fact, I never once had a payment, of over a hundred payments, that was either past due or that was declined. Every payment I made, and there were several every week, were good payments, and the funds were always available. However, Synchrony started holding my payments and did not apply them to my balance, which breaks the Online Usage Agreement. This prevented me from running my business, as the available credit was not being updated and the card would decline when my business partners tried to use it. I filed several complaints here about this practice, which breaks their own online usage agreement. I was told by a Synchrony executive that they have the right to NOT apply the payments to the account, although their Online Usage Agreement does not say this anywhere. Particularly since every payment I ever made was made with available funding and there was never any issue with my payments, I feel they acted in very bad faith. But, it gets worse. After holding one particularly payment for ( I think ) 10 business days, I called to have it released, and they refused. I complained here again, and they retaliated by cancelling ALL my Synchrony cards. Five cards in total, all on the same day. I didn't even know that several " store '' cards were backed by Synchrony bank until I got letters saying they all had been closed. The reason they gave for the account closures was " Payment an unusual purchase history on another Synchrony credit account that Synchrony deems may be indicative of future intention not to pay ''. This is so unfounded that it should be criminal. First, I paid several times a week. I never even had a balance due by the payment date on my invoices, they had already been paid. This is retaliation for reporting their unlawful business practices to the CFPB. As a result of their retaliation, my credit score dropped XXXX points, from a " Good '' rating to a " Fair '' rating. Again, this damages me personally, and my business. I had to quickly get another credit card to even run my business, since it was suddenly cancelled without any notification at all that it would happen. Synchrony Bank needs to be held accountable for their unlawful and retaliatory behavior toward consumers. I would love to show how often all my payments were made on my account, way ahead of the payment date, and that every payment went through fine with available funding, but when they cancelled the card, my login no longer worked to be able to even look at my payment history. I've been told I should sue this company for their harmful and retaliatory business practices, and will consider pursuing litigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am unable to login to my Synchrony XXXX XXXX account and NO ONE has been able to help me. When I go to login on the website, I am prompted to choose a phone number to be sent a one-time code. For many months now, I was given the option of choosing my current phone number ( ending XXXX ) and a phone number I haven't had for 15 years ( ending XXXX ). Now, I am only given the option to choose the old number ( XXXX ). I have called multiple times and no one has helped me. I have gone through a process of clicking a link I was texted, taking a picture of myself, taking a picture of my ID, and receiving a code I gave the customer service rep. Didn't work. I have since been told by account specialists that it has to do with my credit report showing an old phone number ( if this is so, why was I given my current phone number as an option until now? ). I have contacted all three credit bureaus and one ( XXXX ) had my old phone number. It has been removed. I still can not login. When I call the number on the back of the card, I am transferred around to people who do not know why this is happening, can not help me. As a result of all of this, I continue to be denied the ability to login to my account, view my purchase history and account history, make payments and more. It is not legal to deny someone the ability to see their charges and yet still demand payment. This is absolutely ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry SYNCB/BANANA REPUBLIC XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) SYNCB/BANANA REPUBLIC XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX : New Inquiry XXXX None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
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: As My last Report XXXX is still reporting my information inaccurate after I made a complaint through you before. The information is different between the XXXX and XXXX. This is a violation of my Rights according to the FCRA. My report has to be 100 % correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX, for committing identity theft. I have never given XXXX XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with ( COMPANY ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX, any right to collect on this alleged debt. I have never received any documentation requesting validation from XXXX XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Original complaint XXXX They did not answer my demand. Simply stated that they respectfully decline to adhere to federal laws. I, XXXX XXXX, a federally protected consumer am giving written notice to obligor ( LOWE 'S SYNCHRONY BANK ) 15 USC 1692A ( 3 ) consumer-any natural person obligated OR allegedly obligated to pay any debt 18 USC 8 All debt public and private ( including alleged debt from creditor LOWE 'S SYNCHRONY BANK ) are the obligation of the United States XXXX Stating that the card agreement trumps federal law is a violation-you are not above the law. 15 USC 1692j-Creditor furnishing deceptive forms It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief to collect a debt 15 USC 1666-It is my belief that this statement contains a billing error. I have attached a statement that contains an alleged debt. 15 USC 1666d- Treatment of credit balances As a federally protected consumer, Lowe 's is in violation of my rights. My current balance is over {$1.00}, and I demand the amount be refund any part of the amount of the remaining credit balance, upon request of the consumer ( XXXX XXXX ) ; To be more specific : 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. Demanding a refund of {$8100.00} to my account ending in XXXX 15 USC 1666 ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( XXXX ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. Attached is my identification, this stands during any and all correspondence. XXXX XXXX was the contact that was provided in the previous complaint. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX. XXXX XX/XX/2006 ) The employees of a debt collector who are engaged in allegedly unlawful misconduct and the collection agency itself are jointly and severely liable for the federal law violations.
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: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I attempted to make a XXXX. purchase via giving my card to a merchant to purchase an item. The purchase was denied. I called TJMaxx/Synchrony to state there was no fraud and I gave the merchant the card #. I called them 3x and was finally told I had to send a video of my license and a video of myself for verification. I attempted to take a photo of my license and it was not accepted. I was then told I was not able to use the card for one week. This is unacceptable. I normally got a text if there was an issue of fraud. I was not given the chance to rectify the situation. Now I am not able to use the card. Every person I spoke to at TJMaxx Synchrony was rude and unknowledgable especially the fraud person.
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: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A PayPal account was opened in 2020 under my name. I have never opened or used pay pal. I reported this to the company and was put in a fraudulent account. Recently I was sent a letter stating I will still be responsible for this account. I have never had a pay pal account. Synchrony bank XXXX XXXX XXXX XXXX, FL. XXXX. XXXX. I also had a XXXX XXXX opened under my name and a j c penny 's card that was not attorized by me to be used. I put all of these under dispute. Have made two police reports, and I am still being ask to pay for these and they are not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A