Date Received: 2022-04-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, My name is XXXX XXXX. I am residing at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I went one day to pep boys for car service where I was told to open up pep boys credit card and get discount on services. Now the pep boys credit card is run by synchrony bank XXXX XXXX XXXX, XXXX, FL XXXX. This bank is such a fraud and wrong doing they have charged me ridcouoous amount of late fees. I called them today that is XX/XX/XXXX and they told me late fees have rounded total for XXXX XXXX Now I have been Keeping up all my accounts till now except synchrony because no matter how many times I tried I was not able to log in online on their mobile app or website. Every time I called their customer care they had ridiculous long wait times and then getting transfer to technical person through which even my account was not getting setup. They closed my account without my knowledge. Which I got to know today on XX/XX/XXXX. I am told today that my account was closed on XX/XX/XXXX. Since starting of XX/XX/XXXX they have fined me late fees as due to lack of online account I was not able to keep up with this bank payments. I have 2 other credit account which I have been keeping up in very good standard. And I have read in the customer protection a bank can not charge after closing the account this ridiculous late fees 1026.52 ( b ) 2 ) i ) ( A ). Few agents were helping me out to get rid of few late fees, other than that nothing. Please help me out with this issue find the following details XXXX XXXX Account number XXXX Contact number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08901
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got 2 things on my Hard Inquires that I have no knowledge of the TJx and XXXX XXXX account I know about only one in that's the XXXX me and my wife just open up account there. The other 2 I do not know about never been out of state and don't know about them places at all. So I'm looking to get them removed as soon as possible please and thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They lowered my credit limit on 2 cards. I am in the process of managing my debit to credit used. By reducing the original approved credit amounts with an existing balance it reports negatively on the credit report. I am in the process of applying for a mortgage and this contributed to a lower credit score. Creditors should not be allowed to reduce your original credit limit on your CBR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I discovered this morning that Synchrony Bank closed ALL of my accounts with them, regardless of length of account or the status of the account. None of the accounts were in default and I have a 100 % clean payment history across all of my credit accounts including those with Synchrony Bank. My accounts closed include : Care CreditXXXX XXXX XXXX, XXXX, PayPal Credit and Lowes. I asked why my accounts were closed and the only reason they would give is based on my XXXX credit report. I immediately checked my credit report and there is nothing changed on it. I have a 100 % clean payment history, no accounts in default and no collections. I even recently paid off two loans, one personal and one car loan. There is nothing negative in my credit file at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a line of credit of {$4000.00} from Synchrony Bank ( XXXX ). I used the card for purchase two years ago. I have been making payments, and the balance is remaining {$350.00}. Suddenly, synchrony bank drastically reduced the credit line from {$4000.00} - {$350.00} and reported that I have a new usage of 96.29 %, which is wrong. When you subtract the {$4000.00} - {$350.00} I owed, it should have been XXXX remaining on the card. Since Synchrony chose to reduce the credit limit, why did the bank report that I used 96.29 % of the credit limit? This kind of reporting is very unfair and deceitful. I want them to report the correct usage because it is very unfair. Besides, i contacted the Bank on XX/XX/22 at around XXXX central time, the customer service personnel refused to resolve the matter. I offered to talk to a manager, the representative Hung-up phone on me. I have attached the evidence of the report i collected from " XXXX '' herein.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75180
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: We went into the Ashley Home Furniture store in XXXX XXXX XXXX Arizona and was asked if we would like to see if we qualify for financing of the mattress that we had selected, and that it would only be a soft inquiry into our credit to see if we qualify, and then after, decide if we wished to proceed. We agreed for her to run our credit to see how much financing was available to us.The store associate ( XXXX XXXX entered our information into her system and said we were approved for {$1100.00}, to which we declined, and withdrew the application verbally, and clearly expressed that financing only a fraction of the mattress price was not the best option for us.. She explained she needed our signature as authorization to run our credit. She asked us only if we would like to " see '' what financing options were available to us. Nothing involved opening a credit line. Either way, we declined the offer that was advertised to us as a soft inquiry to check available options. We checked our credit and a hard inquiry is marked on our credit reports. There are now store credit card accounts opened in each of our names. I called XXXX Bank who provides the financing and spoke to a manager ( XXXX XXXX and he flat out said that the applications put in at the furniture store are submitted to qualify us to see if we are eligible for credit and then they just go ahead and start opening accounts. The store associate XXXX said that she was giving us the option of financing a purchase of the MATTRESS. Not signing us up for a store credit card after the mattress was agreed to be paid for with cash in full. Closing this line of credit will adversely affect our credit. Should we apply for a home mortgage, since the house we rent is being sold, and have to move, a derogatory comment could show on our credit excessive number of accounts open. This is why we clearly expressed to the store associate that it was not the best option for us and proceeded with declining the credit that was only offered to us verbatum as a soft inquiry to see if we wanted to go that route.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86406
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a re opened complaint. This complaint is revolving and unsolved by Synchrony bank. Attempts were made to report identity theft to Synchrony in XXXX when sent a credit card increase amount for a card not mine. Synchrony went through 6 months of investigation and continued to deny my report ( not sure why they would accuse the person reporting of " benefiting? '' from an account reported as fraud? ) Attempts were made to clear my name through an alternative route, since Synchrony refused to acknowledge the account as fraud in XXXX XXXX XXXX. Account was closed and taken off all XXXX credit reporting agencies. Account sold to XXXX, in my name, by Synchrony without my knowledge or consent in XX/XX/XXXX. Account reported as fraud in XXXX, once learned it was still under my name. All pertinent information was sent, certified mail, to Synchrony, on XX/XX/XXXX. Synchrony does not need to write me as they have passed the deadline to produce the documents I have requested. All information included, Synchrony currently has : 1. filed police report 2. proof of closed accounts in XXXX on all XXXX credit bureaus. 3. Letter of steps taken ( sent to Synchrony previously ) to resolve the matter 4. Proof of credit standing prior to identity theft and before Synchrony 's negligence in the matter of identity theft. 5. Reported theft of my name, social and address to : CFPB, XXXX,, company, credit bureaus frozen/fraud alert , postal service. In that letter, I requested the following, for my records ( under section FCRA, section 609 ) : 1. Original signature page of application for the credit card account claimed as mine 2. Original transactions and billing statements on the account claimed as mine 3. Original documentation of sign off to XXXX XXXX and how account was acquired/sold to XXXX. 4. All documents shall be sent by mail so that I may catch the imposter, since Synchrony is unable and unwilling to do so for me. Synchrony was given over 4 years to produce the documents mentioned above ( XXXX ). This is a repeat offense. Synchrony did not produce documents by mail as requested then, or now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am disgusted with Care Credit. They closed my account with absolutely no notice, and it happened to be the very day I needed to use it for a medical bill. I have been an excellent customer ; I have never missed a payment, and even paid off my entire balance a few months ago. After doing some research, I found that they often do this to customers, many of whom were in far more dire positions that I. People use Care Credit because medical care is inaccessible and unaffordable in our country, and many of us depend on it in order to get necessary medical/veterinary care. For many, closing this account with no reason or notice could quite literally jeopardize someone's life. I'm horrified that a company with " Care '' in its name values its customers so little.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I recently found out that XXXX XXXX filed a lawsuit against me in Virginia where I do not t live. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX STOP THESE CALLS PLEASE! I GET THEM EVERY SINGLE DAY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A