Date Received: 2022-04-20
Issue: Problem with customer service
Subissue:
Consumer Complaint: Synchrony falsely tried to charge me a late fee before a statement was due. I tried to resolve it and their customer support could not explain sufficiently why I was charged after I successfully explained that I had made the minimum payment and that a late charge for a payment that isn't due until may doesn't make any sense. She then tried to tell me late fee was for XXXX despite agreeing with me that I had paid the minimum amount for XXXX. All dates and amounts are shown in attachments.
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: 2022-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a new air conditioner installed and was offered 24 months same as cash by the company, XXXX XXXX, which is financed via a credit card through Synchrony Bank. I received no information about the account but was informed it would be sent with card. When I received the account I discovered I was charged a {$29.00} activation fee. It was in the disclosures I received with the card but if I had know about the fee in advance I would have gone ahead and paid for the unit. I contacted the bank and was advised they are sorry I wasnt informed but they are just the financial institution and cant control the sales guys. Are they ultimately not responsible to ensure proper disclosures are given prior to selling their products? Very frustrating!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: The debt is from 2007 ( over 6 years in the state of Tennessee ) They have NEVER read me the XXXX XXXX They called my father and left a Complaint number and told him I could be arrested for failure to appear because they had been trying to reach me and sent a sheriff to my home. ( It was an old address from 3 years ago ) and left my dad a phone number and case number I called them and they told me the same thing. Would not provide proof stated once I paid a portion ( first payment of {$640.00} they could send a letter and stated due to the urgency of the matter by the time I got the letter it would be too late as the papers were waiting to be delivered for the lawsuit I paid XXXX and of XXXX putting the rest on a payment plan in XXXX weeks a {$320.00} was due and I called to make a payment as I was scared to be sued and wages garnished when I called they stated my payment was scheduled to run the following day. I advised them I never gave permission for my card to be kept on file or ran a second time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
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: XX/XX/XXXX Synchrony Bank PayPal Credit XXXX XXXX XXXX XXXX, XXXX XXXX RE : NOTICE OF REFUSAL TO PAY /FCBA, FCRA, TILA BILLING DISPUTE CLAIM If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we can not report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Amount : {$530.00} XXXX Information : XXXX XXXX XXXX XXXX : XXXX {$420.00} XXXX XXXX XXXX ( XXXX ) # XXXX for new booking XXXX ) {$110.00} XXXX XXXX XXXX # XXXX ( XXXX ) for XXXX ) {$530.00} I am writing to dispute a charge of {$530.00} to my PayPal Credit Account account XXXX XX/XX/XXXX, and rebilled on XX/XX/XXXX, to XXXX for XXXX # : XXXX. The charge is in error because : 1. I continue to be denied the full refund with no penalties for the UNUSED HOTEL portion of my reservation, Authorized by HOTEL on XX/XX/XXXX. Please use this email as a reference for the 3rd party record and cancellation # XXXX for new booking XXXX ) ( See attached ) 2. Synchrony Bank failed to properly apply for the refund credit in a timely manner credit was issued to my consumer 's account for {$110.00} ( issued on XXXX ), as required by law. 3. Synchrony Bank and XXXX engaged in fraudulent behavior and refused a refund even though the customer was entitled to one according to your policies. 4. Synchrony Bank continues to engage in unfair and abusive acts or practices based upon Servicing and Collection practices and their failure to fully and properly investigate and respond to my billing complaints and transaction disputes. PayPal, PayPal Credit- Synchrony Bank XXXX XXXX XXXX XXXX XXXX, and XXXX in violation of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1667f, and the Truth in Lending Act 's ( TILA ) unauthorized use provision, 15 U.S.C. 1643, FCRA, EOCA 1974 discriminating based upon public assistance as income, failed to inform me of all eligible IDR programs that would have limited interest accrual, Within 60 days of receipt of a written notice of error, the FCBA requires a creditor to 1 ) acknowledge receipt of the dispute in writing within 30 days ; and 2 ) within two billing cycles, or no later than 90 days, either correct the account or investigate, and provide a written explanation as to why the statement is correct. By its acts and practices as hereinabove described, the Respondents have violated the FCBA as follows, without limitation : a. By failing to make appropriate corrections on credit account ending XXXX. b. By committing multiple billing errors ; and c. By failing to conduct a reasonable investigation. By its acts and practices as hereinabove described, the Respondents have violated the TILA as follows, without limitation : a. By failing to make the proper allocations, adjustments, and/or timely credits to account ending XXXX. b. Violated the compliance requirements under the FCBA billing errors dispute and investigation process As a result of their unlawful conduct, I spent countless hours, often missing work, communicating with several agents and supervisors, and became increasingly worried and confused by the misinformation provided by XXXX XXXX, PayPal, and Synchrony Bank to the three credit reporting agencies. After XXXX XXXX and still aggrieved by this unresolved ongoing billing dispute I grew more stressed and aggravated by the Respondents inability to coordinate a resolution and XXXX XXXX XXXX XXXX XXXXXXXX due to the Respondents unfair, deceptive, and abusive practices The Respondents are liable for statutory penalties and actual damages sustained as a result of the Respondents ' violations of the FCBA and TILA as well as attorneys ' fees and costs. Resolution Sought : IMMEDIATE CONSUMER REDRESS INJUNCTIVE RELIEF MONETARY DAMAGES FOR EACH INDIVIDUAL VIOLATION from XXXX date of correction, plus interest for each day I was DENIED the applied credit and for NEGLIGENCE, UDAAP, BREACH OF BILLING DISPUTE INVESTIGATION PROCESS which denied and deprived me of my MONEY and caused undue emotional distress and duress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unauthorized inquriy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unauthorized hard inquries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone is using my name and tried to open up an account with your company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: A couple months, around XXXX of 2022 I went to check XXXX of my Synchrony accounts like I normally do and I noticed that this particular store charge account had been closed, I checked another and it was closed so I checked all of them and they had closed every single one of my accounts I had with them. They were all open and current the day before and the next day all XXXX of my accounts with them were closed for no valid reason at all. I was totally current and up to date with every payment, there was not XXXX of my accounts that ever had a late payment or anywhere close to being maxed out. In fact I had a couple of cards that were paid completely off previously. I always requested credit limit raises because it increases my overall available credit which brings my credit usage down and improves my score. I called Synchrony in XXXX to ask why they had closed my accounts and was advised that my actions of requesting credit limit raises was indicative of someone who plans on not paying off their debts. I was completely speechless as I have never been late on any payments with them or any creditors and not XXXX of my cards was even remotely close to being maxed to the limit. I am still currently paying off some Synchrony card balances and still have not missed XXXX payment. I decided to let it go and just reapply for a few of the cards at a later time. I wait until around mid XXXX of 2022 and reapplied for the XXXX XXXX card because I have XXXX cellular service and this saved a little money having it. I submit my application and was quite surprised to see it say that my application was submitted and I would receive a letter in the mail or an email with their decision. I could not understand how they looked at my application yet my credit report was not pulled. I monitor all three credit bureaus very closely and see even the slightest changes, but there were no inquiries from Synchrony. I was completely baffled so I tried to apply for another card I used to have that was closed and received the exact same result. I tried for another card that had been closed by Synchrony and same result and no inquiry on my credit report. I received emails about a week later with what I assumed was their reasons for denying my applications but could not even open them for some reason. I received XXXX letter in the mail for XXXX of the cards I applied for, it was the XXXX 's card application and the only reason stated on that letter for denial was that I recently had an account that was closed. I could not believe what they were doing to someone that was never late on any payments or even close to a maxed out account. I decided to try again at a later time and hope for a different outcome. Today is XX/XX/2022 and I applied once more online for the XXXX XXXX and received the same result. After applying, the letter said thank you for applying, you will receive a letter with our decision. There was not an inquiry on my credit report once again. I feel like they've black listed me. They just automatically deny me without so much as an inquiry into my credit and base their decision on that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I made a payment in the amount of {$400.00} on my CareCredit account owned by Synchrony Bank. According to my XX/XX/2022 credit card statement, the minimum payment amount due by XX/XX/2022, was {$330.00}. At the time this payment was made, my account had a fixed payment promotion which requires a minimum monthly payment of {$300.00}. There was also a deferred interest promotional purchase with an expiration date of XX/XX/2022, which did not have any sort of required payment. In addition to the aforementioned, there were XXXX standard purchases with the following balances : {$2.00}, {$.00}, {$3.00}, and {$87.00}. On XX/XX/2022, I sent a message through the online messaging center within my account to have {$95.00} of the {$400.00} payment be applied toward the XXXX standard purchase balances totaling {$93.00}. When I logged into my account to see if the payment had posted, I noticed that it had and that {$29.00} had been applied toward the deferred interest promotional purchase which does not expire until XX/XX/2022, and a standard purchase with a remaining balance of {$27.00}. This did not reflect how I had directed Synchrony Bank to allocate my {$400.00} payment. So, I called CareCredit customer service on XX/XX/2022, and requested to speak with a supervisor. XXXX confirmed she could see how I wanted my payment to be allocated and said the system automatically allocates the payments until someone goes in to manually adjust it. On XX/XX/2022, there was a {$29.00} charge and subsequent {$29.00} credit placed on my account. The {$29.00} that was applied toward the deferred interest promotional purchase balance has been removed. XXXX of the XXXX standard purchases, however, which are all interest-bearing balances, remain and should have been completely paid off with the payment I made on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61108
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am in the process of trying to buy a home and my mortgage lender pulled a report that showed derogatory information from XXXX. This information had to have been recently put on my credit report because I have never seen this account nor am I familiar with this company. I reached out to this company on XX/XX/2022 and spoke with a man named XXXX. Once I gave him all of my information ( SSN, Date of Birth, etc. ) including the account number that was on my credit report associated with this account, he informed me that he could not find the account. He then stated that the account was associated with a different person AND different address but he could not disclose who it was. He then transferred me to their " specialized team ' and XXXX informed me that the name on the account was XXXX XXXX or something along those lines and she saw my name no where associated with the account number or their system. The time of this call was @ XXXX and I believe I was transferred to XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A