Date Received: 2023-12-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I was in the drive through at XXXX XXXX. I tried to use my Synchrony Master card to complete the purchase. It was declined. I checked my phone and their fraud department had sent me a text messages regarding purchases they flagged for fraud. I responded they were fraud. Later I spoke with them, they cancelled the card, and I filed the report for unauthorized purchases. Synchrony advertises a zero fraud liability. They however appear to be operating in bad faith in an attempt to delay, deny, and avoid fulfilling that self proclaimed policy. The matter still has not been resolved. On XX/XX/XXXX they issued a letter stating that I had XXXX $ fraud liability and that it may take up to 60 days to resolve this. On XX/XX/XXXX ( more than 60 days later ) they told me they denied the claim because I had received the item ( they provided no proof of this and I had not received the item ). I immediately contacted them again to remind them they had a zero fraud liability. They sent a letter on XX/XX/XXXX again saying I had XXXX $ fraud liability and it may take up to 60 days. On XX/XX/XXXX they again said, without providing proof, that I had received the item. I again immediately contacted them. They sent another letter on XX/XX/XXXX acknowledging my continued resistance to their attempts to make me responsible for a unauthorized purchase. I received a letter in the mail from them asking me to once again write out what I had told them many times before. I returned that letter this morning. It seems to be the intention of Synchrony Bank to never implement their benefit of zero fraud liability. It appears as though they are acting in bad faith. Attempting to delay, defer, and deny coverage. XXXXXXXX XXXX XXXX XXXXXXXX is where these charges were made. I would assume that they have employees who are responsible for telling Synchrony that the purchase was valid as far they are concerned. It should be assumed that they will never miss the opportunity to dispute that this was fraud. It should also be assumed that if this pattern of Synchrony bank continues indefinitely it is guaranteed that at some point, I will be on vacation or unavailable in some manner and I miss a deadline set in place by Synchrony and they claim that I am responsible for the charge. This is not the guarantee that they promised. They did not state that a unauthorized charge maybe eternally contested. They stated that I would never be responsible for unauthorized charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81004
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. Below are inquiries that I am unaware of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Down below are paid closed accounts and collections that need to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are closed paid accounts but still under late payments and need to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
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: On XX/XX/2023, I sought XXXX XXXX XXXX at XXXX XXXX due to a XXXX XXXX that required XXXX. Despite conveying the urgency of the situation, the XXXX attempted to persuade me to opt for a XXXX instead. Expressing my concern about the viability of crowning a extensively XXXX XXXX, the XXXX initially failed to identify the severity of the XXXX XXXX XXXX XXXX Upon reassessment, he acknowledged the extensive XXXX prompting the decision to XXXX XXXX XXXX The extraction process was excessively prolonged, causing the XXXX to wear off, and resulting in a painful experience. The XXXX inadvertently caused damage to the XXXX XXXX XXXX XXXX XXXX during the XXXX, and I was denied evidence of the XXXX XXXX Subsequently, the XXXX proceeded to XXXX XXXX XXXX without my consent, contrary to my request for XXXX XXXX. A shockingly high bill of over {$8000.00} was presented, encompassing charges for XXXX XXXX XXXX, which I believed should have been waived based on a presented coupon. Additionally, a promised veteran discount was not applied. The XXXX assured me that a temporary solution to allow XXXX XXXX XXXX XXXX would be provided, along with a complimentary XXXX XXXX to address the damage caused during the XXXX XXXX. However, the pain persisted XXXX, and follow-up visits were unproductive, with the XXXX dismissing my concerns. Seeking relief, I visited the Veterans Affairs XXXX XXXX department, where it was revealed that the previous XXXX XXXX work was subpar, leading to a XXXX XXXX and unnecessary XXXX on XXXX XXXX XXXX. Despite planning further procedures, I experienced persistent XXXX The billing discrepancies escalated when I discovered an overcharge on my card and sought clarification from Synchrony Bank, the service provider for Care Credit. Despite providing evidence and undergoing an alleged investigation, Synchrony Bank failed to rectify the situation and sent inaccurate documents, including a signature forgery. Numerous attempts to resolve the matter with the dentist via certified mail were ignored, exacerbating the situation. Synchrony Bank 's subsequent promise of a new investigation remained unfulfilled as they charged my card for the full fraudulent service. In an additional setback, Synchrony Bank reduced my credit limit to the outstanding amount and subsequently closed my account. The dental office consistently withheld receipts, providing one three weeks after the visit, which was not only belated but also contained inaccuracies. I was erroneously charged for services such as the XXXXXXXX XXXX, denied the veteran discount, and had XXXX and XXXX charged despite the presented coupon. Repeated requests for correction to the receipt were met with three different versions, each displaying varying costs. This continued billing discrepancy, coupled with incessant harassment from both the XXXX XXXX and Synchrony Bank, has led to severe mental stress, exacerbating my XXXX XXXX XXXX XXXX XXXX. The entire ordeal is characterized by mistreatment, deceit, language fraud, and insurance fraud, necessitating urgent resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I went to Ashley Store in XXXX, PA. Was about to buy a sectional and salesman, XXXX XXXX XXXX said we could do 36 month financing, I asked if it would effect our credit because we are in the process of getting a mortgage for our new house, he said no. i filled out a couple lines of info on their computer to start the purchase process and financing, taps continue on the screen, then it says congratulations, you have a new Ashley 's credit card. We had no idea were were getting a new card we didn't want, this will effect her score, the saleman lied to us. The manager XXXX XXXX came over and said it couldn't be cancelled. The salesman disappeared and the manager just stood there saying it couldn't be cancelled. No apology. This has hurt our credit score, and now has cause issues with completing the mortgage. I asked the manager again what could be done to help, he wouldn't provide any type of curiosity adjustments or additional discounts after what had happened only extending the XXXX XXXX discount. Spoke with XXXX XXXX XXXX on phone she forwarded my complaint to Pennsylvania corporate office XX/XX/XXXX, nvr heard a response since. We do not want to cancel now it would only make things worse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have already had a complaint about Synchrony Bank in XXXX XXXX My account was closed on XXXX after making a {$100.00} payment, way over my minimum balance on time each month. My account was closed on XXXX I am going to dispute the transaction. It implies negatively against your credit. I have maintained a credit score of over 700 until my car payment was disconnected from my bank account for after a year. I have worked earnestly to catch my car payment up and that will be reflected on my credit score on XXXX XXXX XXXX I like to ensure my bills are paid and maintain a good credit score. Its been affected by XXXX points. However, even through XXXX I have managed to ensure it is up to date. What are the odds this happened during this time? They seek to have a reason to close your account because you went against them previously for cutting your spending power, making it look like youre utilizing 100 % when I was utilizing between 30 % -40 % prior to the cut. Then close the account on XX/XX/XXXX when my credit score is the lowest its been in years due to the car payment incident. I will be disputing the account closure. Synchrony Bank obviously does not want peoples money, or ones who pay them on time. They do not know the reasoning behind the dip in my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27205
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: 1. I received a written letter in the mail on XX/XX/23 confirming that I opened a paypal credit account. I noticed the email address in this letter was NOT mine and know that I DID NOT apply for this account. 2. The account was opened on XX/XX/XXXX and the same day a charge was made against the account for {$3200.00}. I did not authorize these charges. 3. On XX/XX/XXXX I called Synchrony Bank ( the issuing bank for PayPal Credit ) to report that this fraudulent account was opened. The agent I spoke to ( XXXX with ID # XXXX ) stated that she closed the account, updated the credit bureau 's and that I should also call the credit bureau 's myself. She also stated that I should receive confirmation about the dispute within 60 days of XX/XX/. 4. I called XXXX, XXXX, and XXXX on XX/XX/XXXX to place a 1 year fraud alert on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX Appears on my credit report as a COLLECTIONS AGENCY for two SYNCHRONY BANK accounts with balances of {$2300.00} and {$380.00}, respectively. AT NO POINT DID I CONTRACT WITH THEM. at no point did I give any consent to SYNCHRONY BANK to disclose not XXXX XXXX XXXXXXXX to request my information. Protected under privacy act of 1974 and 15 usc 6802 which requires both to have received written, verbal and/or non verbal consent from my part. no such authorization was given. This is not only a VIOLATION of my Privacy which has led to misrepresentation of my credit worthiness and thus caused me damages, such as inability to obtain credit, vehicles, or apply for rental agreements. 15 U.S. Code 1681. Civil liability for willful noncompliance up to {$1000.00} or greater for damages to me, and my credit report 15 U.S. Code 1681s ( a ) ( 2 ) ( A ) as enforced by Federal Trade Commission, ... .up to $ XXXX violation. in collection for/since ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. for XXXX account and collection XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom it may concern I spoke with fraud department from Sams Club over and over again. They never fixed the problem so I had no choice then to close the account because charges was being made that it wasnt me. I came to realize it after a year that I was noticing that all my credit cards was being paid off except Sam. Got upset because nothing was done. I made a police report and gave them the case number as well. Sams every month reports to the credit viewer and managed to keep my scores low Verizon does the same thing I dont know what the heck is going on case # XXXX. Thank you have a great day. I hope someone can do something. Thank you. Phone and Sams credit card has been compromised and Ive reported it. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I repeatedly requested my account be closed. As of this date my account remains open. I made a payment for XX/XX/2023 for fear I would be charged late fees and penalties Please close my account immediately. Please submit on time never late payments to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A