Date Received: 2022-04-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: SYNCB/AMAZON ( Bank ) is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
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: As I was enrolled in autopay through XXXX Synchrony Credit Card, on or about XX/XX/XXXX, the company deducted the amount of {$1300.00} ( amount due as of closing on XXXX XXXX ) twice from my checking account. I immediately called to complain and was told that this amount could only be refunded to me and that this refund could take up to 7-10 business days. Following that time period, I again notified the company as I had not received the check. I was then told that it had originally been noted as a dispute rather than a refund and that the dispute could now take up to 90 days. This customer service agent switched the complaint to a refund and said I could expect the check within 7-10 business days. I did finally receive the check but upon looking at my statement, I saw the same amount listed as a charge on my account. This greatly added to the usual monthly bill I receive from XXXX ( hovers around XXXX per month ). I complained at least XXXX times on the phone and have written numerous letters to their customer service center. I even supplied them with all of the charges I made since XXXX and all of the payments I made since that time and it does not add up to an amount that includes the {$1300.00}. I include the letter of complaint I wrote earlier this month as well as an accounting of all of my charges and payments. I pay the balance in full as of the bill closing date monthly. However, at this juncture, that amount is way too high for me to pay in XXXX month ; I will therefore incur interest charges which I attempt to avoid by paying the balance in full. I am seeking a resolution to this or I would like to see the charges that amount to an additional {$1300.00}. Attached you will find my letter explaining the situation as well as all of the charges posted and payments made since XX/XX/2021 to this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: At the end of the billing cycle of my card ( XX/XX/XXXX ), the balance on my statement was {$100.00}, which was due on XX/XX/XXXX. I returned an item bought during this period for {$41.00}, which should have brought my balance down to {$67.00}. Instead, I received a notice from the credit card company ( TJMAXX/SYNCB ) saying that to avoid interest charges, I needed to pay the balance on my account of {$100.00}, which was the {$67.00} balance plus charges going into the next cycle {$8.00} charged on XX/XX/XXXX and {$27.00} charges on XX/XX/XXXX, after the XXXX closing date. I have never experienced this with any other credit card company and wonder if this is, in fact, legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97068
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts show on my credit report, I do not owe money to these companies I'm asking for immediate deletion Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX account ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX account ( # XXXX opened XX/XX/XXXX ). Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ) v
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: They did not uphold their terms as of returning my security deposit upon requesting to close my account. I was not given the choice as to how I was paid as per their terms. . If your account is closed for any reason, we will return your security deposit funds minus any amounts needed to pay off any existing balances. We will provide your security deposit to you in an approved method that you will select. If we mail a check to you, we will mail it to your mailing address on file with us. If we send an ACH payment to your bank account, we will make the payment to the bank account with the information you have provided us. In the event of your death, we will not release funds held in your security deposit account unless all amounts due on your account have been repaid and all legal documents we require are delivered to us. https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a new XXXX XXXX after receiving a {$150.00} statement credit promotion when making a {$500.00} purchase at XXXX in XX/XX/2020. I contacted Synchrony Bank, the issuing bank of XXXX XXXX, after three months where I fulfilled the conditions required for the promotions. I contacted them numerous ( over 7 ) times about this issue and they said they would investigate the issue multiple times, but it was never resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Excessive credit inquires were made, but no credit was given and as a result this has negatively impacted my credit report, credit score and daily life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Excessive credit inquires were made, but no credit was given and as a result this has negatively impacted my credit report, credit score and daily life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I contacted XXXX at Synchrony where I have my XXXX credit card for HSN on XX/XX/22 for help lowering my interest rate of 26.99 % since I can no longer afford the XXXX of {$200.00}. He was a XXXX and told me they are not reducing interest rates at this time. I told him I am making less money and can barely afford this along with my medications, food and gas. I am a loyal customer and I am looking for help to lower the interest rate so I can afford a lower monthly payment amount. He just kept repeating that be can't help since they are not currently lowering interest rates. I told him I am drowning and need help but he did nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18704
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My mother passed XX/XX/2022. I am her daughter and the beneficiary of her accounts along with my XXXX children and my brother. I am XXXX XXXX ( XXXX ) My daughter is XXXX XXXX My son is XXXX XXXX XXXX is XXXX XXXX We have all tried to close a CD that 1/4 was gifted to each of us. Synchrony Bank will not cash out my son XXXX XXXX his 1/4 of a CD account. Although XXXX XXXX sent in paper work per their request he called Synchrony Bank AND they advise XXXX XXXX they did not receive it. I have had to cash out of other accounts with Synchrony Bank along with my family members. We have all been in tears dealing with this bank. Number one there is no Brick and Mortar. # 2 Process is time consuming and extremely stressful reducing 3 of the family members to tears dealing with them. I have documentation going back to XX/XX/2022 all the way till today. requesting these account be liquidated. It took me 3 months to get my share out and tons of paperwork, redo paper work and emails. They do not respond to emails. They do not answer the phone. We are still trying to cash out of one account and they refuse to give it us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A