Date Received: 2022-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX, Synchrony ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Thank you for treating your good customers like XXXX and closing their account after they pay off their balance. I made continuous on-time payments for the entire life of the account, until life brought unexpected challenges. I lost my job and was transitioning into a new one, which caused me to miss one payment. After I tried to get assistance in making payments, I was denied, as my life challenges were not " difficult '' enough for one missed payment. Thankfully, I received help from a friend and was back on track to bringing all of my Synchrony accounts up to date. Until your website glitched and charged my account for the entire balance. Well, at least I was fully paid on one account. My friend assisted me again to make my other accounts current until my new income kicked in, despite this being no problem of theirs. They truly cared about my situation. Though, a company that claims to care and consistently advertises that they will do all they can to help, when in actuality only brought more difficulties, would not be compared to a good friend. They are not even close to a concerned party. In response to being a loyal borrower until circumstances outside of my control caused a single missed payment, their only response was to take more money from me in fees and interest and then close my account after it was erroneously paid in full, as well as my other Synchrony accounts, which were now current. In regard to your response in a difficult time, I will be reporting these actions to all consumer report agencies, so that no one else will need to experience this disgusting behavior from a company that will promise help, but not follow through. # ANOTHERGREEDYCORP Thank you for ruining my credit by closing my accounts which were again in good standing, due to the help of a true friend. I only thought it fair to send my grievances here, in order for your company to have a fair chance at explaining why they behave in this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: My names XXXX XXXX, I had called a few weeks ago to file a dispute on my credit but the thing is I shouldnt have a credit score I never applied for a credit card to begin with. I dont know the whole process of this and how it works but I would like to file a dispute on anything that is opened in my name that is on a credit card or anything that is making me have a low credit score if I never applied for a credit card to begin with. The only thing I should have under my name is the debit card that I use with XXXX XXXX. Thankyou for your time and I do hope that you guys can reach out to me and help me with this problem Im having.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On the credit card statement for XX/XX/2022 received for my CareCredit card ( issued by Synchrony Bank ) my new balance was {$4100.00}. This balance was made of two " Promotional '' balances. The first balance of {$2900.00} has an expiration date of XX/XX/2022. The remaining balance of {$1100.00} has an expiration date of XX/XX/2022. In order to avoid any deferred interest charges, the respective balances must be paid on or before the stated expiration date. On XX/XX/2022, I made a payment of {$2000.00}. On XX/XX/2022, I accessed my account on line in order to payoff the earlier promotional balance ( due XX/XX/2022 ) of {$2900.00}, assuming the balance would be {$980.00} ( {$2900.00} minus {$2000.00} payment ). The on line information. indicated the promotional balance for the XX/XX/2022 promotion was {$1100.00}, not {$980.00}. On XX/XX/2022, I also contacted Synchrony Bank to see what games they were playing with my account. The representative I spoke with ( ID # XXXX ) stated that sense my payment was not enough to payoff the XX/XX/2022 promotional balance of {$2900.00}, Synchrony 's system arbitrarily applied {$130.00} of my payment to the XX/XX/2022 promotional balance, leaving a balance of {$1100.00}. This in essence is increasing the previously stated promotional balance for the XX/XX/2022 promotion. I told her that this was an unethical and deceptive trade practice that could result in a cardholder to incur interest charges because of the change in a balance amount different from what the cardholder was previously told. She agreed that she would reapply my {$2000.00} payment in its entirety to the XX/XX/2022 promotional amount of {$2900.00} as reported to me on my XX/XX/2022 statement. However, she also stated that it would take XXXX billing cycles to complete. She also stated that my new balance for the XX/XX/2022 promotion was {$980.00}, which is what I expected. However, I'm concerned that I will be charged interest due to the length of time it will take Synchrony Bank to reapply my payment correctly. I never have been provided with any information on how payments are applied to promotional balances. Since my account is made of promotional balances, one would assume that all payments would be applied to the earliest promotional balance. It's apparent that Synchrony Bank 's system does not work in that manner. This can lead to a customer paying interest when they thought they had paid of a promotional balance within the designated payment period. I consider Synchrony Bank 's practice to be unethical and deceptive in nature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Back on XX/XX/XXXX I put through a fraud claim on items purchased through XXXX. Received a credit on my statement of {$2000.00}. I realized that my Visa Gap Rewards Credit Card was added in error because of me to my XXXX account. In the meantime I authorized XXXX to charge my XXXX XXXX the week of XXXX for all the charges that were being reversed by Visa Gap. I realized at that time this was not fraud. XXXX has locked me out of my XXXX account and the only way to get access to all of our streaming was to authorize XXXX to charge my XXXX XXXX card. I had called Gap Visa and informed them that I made an error and this was not fraud. I called them from my number XXXX. On XX/XX/XXXX they recharged my Visa Gap card. I explained that o already paid for all the charges that were reversed on XX/XX/XXXX. Gap Visa stated I needed to work with XXXX as they would see that the fraud claim was reversed. When I call XXXX they tell me to work with Gap Visa. At this time I am out money as I have paid for my XXXX purchase twice and I need a credit or a refund from XXXX or Gap Visa.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Lowes Synchrony Bank card. On XX/XX/XXXX XXXX XXXX I recived an email that my payment was due soon. ( attached screen shot ) I knew I already scheduled a payment. I went to the card services portion of the lowes app and there was no pending record or applied record of my payment. The activity only shows my next payment, and a payment due ( Attached screen shot ) This is misleading and could cause me to make a double payment when one is not needed. I went to the website version and I could see everything. ( Attached screen shot )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. SYNCB/GAP 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit card balance was {$12000.00} I initiated an {$8000.00} payment on the card, cancelled it and then changed it to a {$3000.00} payment. My available balance for purchases then became - {$970.00} not the {$3000.00} I just paid. Contacted a CS rep who said I never made the {$3000.00} payment- the bank returned it. I showed them proof and they said the system had not updated Contacted a 2nd CS rep and they said in fact the {$3000.00} was in fact paid but " The {$9400.00} is a non promo balance on your account adjective balance on the account '' Nonsensical response. Sent an email to the company and the response did not even address the question. The response was " Please note our records indicate a payment pending for {$8000.00} and a payment reversal for the same amount. The negative amount shown is for the payment reversal. '' How does $ XXXX $ XXXX a negative available balance?? My available balance was not negative before I made the {$3000.00} payment so how could it be negative AFTER I make a payment. This is not the first time Synchrony Bank has been deceptive in dealings with my account. Any help you can avail me would be greatly appreciated. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06033
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have filled numerous disputes with synchrony bank old navy credit card. Everyone has lied to me and I have submitted over 20 disputes and no one has help me. XXXX XXXX company charged XXXX in my old navy without my permission and no service was ever provided. I have many documents that this charge was done without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93960
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I purchased a white vinyl privacy fence from XXXXXXXX XXXX for a home improvement project, during XX/XX/XXXX. The fence was financed by Synchrony Bank where I was issued a credit card for Lowe 's with a {$9100.00} credit limit. The card came with a " deferred interest promotion '' of 3.99 % for 36 months. I setup automatic payments in the amount of {$350.00} each month, to pay the balance off sooner than 36 months. But before I paid it off completely, I used the card again during XXXX on a second home improvement project by having XXXXXXXX XXXX replace my roof, and some other home improvement projects. Unfortunately, because of the COVIC pandemic along with the ever increasing cost of living, versus my fixed income, I was going to have to reduce my $ XXXX monthly payments. In addition, I was furthered financially burden when I fell victim to a Bitcoin scam where I lost {$18000.00} from my checking account during XX/XX/XXXX. I sent Synchrony Bank a copy of the Police Report. On XX/XX/XXXX, I notified them by email of my situation and informed them that I could not afford to pay 26.99 % interest, with " Late Fees '' and " Overlimit Amount '' Fees, but I would be willing to make $ XXXX monthly payments, as a sign of good faith, for the next 2 months. After which I would be in a better financial position to pay the balance in full! I only asked if they would be patient and work with me. Synchrony Bank has shown absolutely no compassion or empathy for my dire situation and continues to increase the balance on the card. If Synchrony Bank is allowed to continue with their selfishness and greed, it will only damage my credit rating, and I request that action be taken as soon as possible to prevent that from taking place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A