Date Received: 2022-04-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank Home just shut down my credit card with no notice!! I have always paid on time with all of my bills but last XX/XX/XXXX I had to have an XXXX XXXX XXXX which cost me $ 5K and put me behind on everything as I am a twice widowed mother living on one income and have no savings as inflation has doubled my utilities and gas expense as I drive two hours round trip daily to work and home!! They took two {$160.00} pmts just a month ago now say I am two payments behind! I get no statements by mail or online or bill reminders! I work for me the Dept of Employment IDES in XXXX IL so they know they will get their money they are just working with all the other sleazy high interest loan companies and credit grantors like XXXX who did the same to me and XXXX XXXX to ruin my credit score so I will fall further into poverty and always have to borrow at subprime rates!!! They have been doing this since XXXX! Enforce the laws on them, shut them down and shut down the credit scoring and reporting system completely! They get mad if an emergency happens one time then try to get revenge!!! I want this card reopened and corrected and I want all of my reports corrected and copies of them mailed to me and I also want mailed statements monthly and payment reminders emailed to me!!! I am contacting Bidens office about this too it is time for a change in the financial industry!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2021 I applied for credit at XXXX XXXX XXXX and I was denied. I inquired with sales rep as to why or if there was any statement. He gave me the slip and said I'd here from a Synchrony Bank. I received a letter 2 weeks later stating the reason I was denied credit was due to previous unsatisfactory account. I was floored as I didn't have a number to call only an address on the letter. However I started referencing every synchrony number until I was able to find out there was an account with a Care Credit that had been fraudulently established. I had to contact synchrony ASAP so I then faxed over the documentation ( FTC Report and Police Report ) explained to them what had transpired and this was one of several fraudulently established accounts. I requested it to be removed as I've since provisioned severed protocols of protection on all XXXX CRA 's with security freezes and security alerts. I proceeded to request in receiving the documents to verify that consideration be taken and that Synchrony Bank would not prohibit me the real ( XXXX XXXX ) from establishing accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95301
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: My credit is frozen. I received the attached letter stating my application for a store card was denied. It is dated XX/XX/2022, and the email notification was received at XXXX on XXXX. I did not apply for a credit card/store card with this company, and want to file the complaint against XXXX XXXX for violating the Truth in Lending Act. I DO have a profile with XXXX XXXX and shopped there last week, and did a return/exchange of a product at XXXX on XXXX, when I suspect my application was run or held for submission. Thank you for accepting my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43082
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53204
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a letter titled " Important Information about your account '' from XXXX XXXX. I references " your account ending in XXXX ''. I do not have, nor have ever applied for an account with this company. The letter gives no phone number to call but does give a website. When I visited the website to find a phone number to call or an email address to write to, the links provided simply circled back to the home page.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
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: I never received the merchandise for this order placed on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had originally contacted the merchant on XX/XX/2022, and XX/XX/XXXX both via email ( see attachment enclosed ) and telephone, both times the merchant has confirmed saying that no sales were to be finalized ( C.O.D. ) The merchant assured me there wouldn't be a charge made to my account. XXXX TO SHIP TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX INVOICE XXXX DATE XX/XX/2022 TERMS Due on receipt DUE DATE XX/XX/2022 SHIP VIA XXXX priority mail QTY ACTIVITY RATE AMOUNT XXXX MUSIC INSTRUMENTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ship smaller XXXX as agreed over the phone - reduced to {$230.00} instead of {$250.00} Reduced shipping from {$60.00} to {$55.00} SUBTOTAL XXXX TAX XXXX SHIPPING XXXX TOTAL XXXX XXXX DUE {$290.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/22 Synchrony Bank sent a letter via email stating they were closing my Care Credit account although it was in good standing. Upon reviewing my credit report on XX/XX/22 Synchrony Bank performed an unauthorized hard inquiry with XXXX. There's no proof I initiated such inquiry, no written authorization, and they failed to provide any permissible purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: my complaint is against synchrony bank and involves lowes credit card havertys credit card PayPal credit and synchrony XXXX XXXX XXXX. on or around XXXX XXXX synchrony bank was notified of several accounts I did not open. on or around XXXX I was notified that out of the accounts I disputed only 4 were being deleted for identity theft leaving me with the remaining accounts. I don't know who makes these decisions but this is ridiculous I had filed disputes with all 3 credit bureaus including both a police report and an identity theft affidavit. I believe the law is clearly on my side and synchrony bank should remove these accounts I did not open. I would like to add that I had 3 accounts with synchrony bank that were opened by me that were also closed even though I did not report them as identity theft these accounts were in good standing and were paid on time I believe synchrony bank was punishing me for being a victim of identity theft and further damaging my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Lowes card on the Lowes site. As soon as I hit send a message popped up saying denied. How can credit be checked in under XXXX seconds? I called the finance company to ask how it was denied within seconds and was told about a {$100.00}. XXXX gift card they were offering. I stated I was not interested and again asked about the denial within seconds. I was told by the employee on the phone that she could not look up my information unless I took the promotional offer. I hung up and I let someone in Lowes credit dept know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91724
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: In XX/XX/XXXX I lost my employment due to the Pandemic and country closure. I reached out and wrote XXXX which directed me to contact Synchrony. I wrote them several times and have been continuing to submit payments although it was very difficult to do so. Can you imagine im paying {$100.00} and only {$25.00} apples to my bill the stress im face with. As I await a response to my letter I am highly disturbed to be denied. I waited over a year and I understood because of the pandemic everyone worked from home but this can not be legal. I paid for insurance and when I needed the security I am being denied. It was a very difficult period in my life and while I struggling to maintain my minimum monthly payments I realized I was only being buried in high interest rates. This was very overwhelming to me not to mention I suffered from the virus causing me to quarantine on 3 occasions. I reached out to my credit card providers including XXXX ; to active my card insurance. I was ignored. My claim was never processed. Finally in XX/XX/XXXX when the mandated masked was lifted I was able to orally speak with someone in the card security department. I request my benefits to be active and adjusted to my initial claim period and was denied again. I continue to maintain the minimum payment although I struggle to care or myself and family. Its my obligation to pay my debt as I have insurance its Synchrony responsibility to honor my claim within a timely fashion ; not denied it 2 years later. I had insurance my claim should been approved I should be protect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legislation S.153/A.2382 Enacts The Consumer Credit Fairness Act, Which Would Address Abusive Debt Collection Practices Legislation S.4823/A.3359 Prohibits Utility Companies From Harassing, Abusing, or Oppressing Customers Connected to Residential Customer Complaints Legislation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A