Date Received: 2022-04-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I got charged for a service I never received. An account was open not on my behalf & now Im getting charged for something I never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
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: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have tried numerous times ( twice by mail, and twice by phone ) to set up automatic payments with this lender. They told me both times it would process, leading me to miss the payment date by two three days on two occasions. The company does not have any online system or account management system, and make the lender rely on guess work to whether or not the payment would be made. I have otherwise perfect credit and refuse and dispute this company 's attempts to ruin my credit, or charge my any fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91786
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ive been a victim of identity theft with a credit card from sychrony bank being collected on by XXXX XXXX XXXX i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX RE : Synchrony XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Credit Card Subject : Credit Card XXXX I am contacting in reference to a purchase made through my XXXX XXXX XXXX Synchrony card. My original purchase had a delivery date of XX/XX/XXXX for a portion of my purchase which totaled {$2200.00} to synchrony. The second shipment was to be delivered was XXXX to Synchrony which totaled {$3600.00}. Initially, I disputed XXXX due to it wasn't XXXX of my purchased amount listed above but I called XXXX XXXX XXXX to find out that they were billing my purchases separately. I had to dismiss the dispute and this took a few months to fix. I called XXXX XXXX XXXX and Synchrony to ensure this was fixed. However XXXX XXXX XXXX took responsibility for the error and Synchrony has not fixed the amount on my account since day XXXX. Synchrony has doubled and tripled some of the purchase amounts. It is a year since I purchased the bedroom set. As of right now my balance is showing as {$4200.00}. My balance has even been over XXXX. Which is all incorrect. I have called so many times to no avail. I have been told over and over this will be fixed however its not. Meaning, I have called weekly & monthly since this circumstance happened. I have spoken to customer reps and supervisors and to no avail. Another issue is they have reported these inaccurate amounts to my credit reports every month. I wish I could include my receipts for my orders from XXXX XXXX XXXX which I provided to Synchrony as well. I also have XXXX statements which both have the totals wrong. I confirmed my actual purchase amount with XXXX XXXX XXXX twice as well. Due to the fact I have called Synchrony weekly and monthly for almost a year I am requesting your assistance. In addition, I have been making payments on this as well. My current total as of XX/XX/XXXX should be {$2800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Summary While I understand fraud prevention is dynamic, Synchrony willfully ignored opportunities to remedy a situation and put the onus and associated stress on me, even though I had already verified myself. Synchrony 's proposed quick fix of the video selfie would have been an invasion of my privacy. Requiring customers to submit video-selfies whenever requested by a financial institution is wrong at face value and could be found unacceptable by a constitutional law expert. My Customer Experience from XX/XX/2022 The last time Synchrony prevented me from using my GapVisa credit card, I was only 4 hours away from my home. At that time, I received a text notification which allowed me to confirm it wasn't a fraud attempt. It was all taken care of with one text and one follow-up phone call. In the past, my only complaint about Synchrony card services was that whenever Id call for assistance, it always seemed like I had the wrong phone number, even though I used the one printed on the credit card. I previously enjoyed using this GapVisa credit card for all sorts of purchases including gas, groceries, and online shopping. It seems Synchrony isnt appropriately staffed, to the detriment of card holders and vendors who want to process transactions. On XX/XX/XXXX, I authorized an out-of-state business to use my GapVisa credit card for a purchase. Synchrony card services didn't provide me with a text or email notification when Synchrony blocked this transaction. ( I have reviewed my inbox, junk mail, and text messages. ) The business eventually called me and said my card wasn't being accepted. I was embarrassed but was reassured that it's likely because of the out-of-state element. I called Synchrony card services and spoke with a representative ( sounded like a woman, but I didn't get her name ) around XXXX XXXX She sent me a text message that included a link for me to validate/verify my identity. I clicked on that link, which opened a new browser window that had ZERO further instructions. The same representative then told me that verification was sufficient, and I could continue with my purchase. I called back the business and told them what Synchrony had said : that it was initially stopped because the out-of-state transaction looked suspicious. However, the transaction still didn't work the next time it was attempted. The vendor and I confirmed the number, expiration date, security code, and zip code were correct. I called Synchrony again and XXXX said I now needed to send a SELFIE VIDEO and DL photo in order to further verify my identity and that the ENTIRE ACCOUNT had been frozen. The alternative was a standard mail letter with a confirmation code that I wouldnt receive for a week, with my credit card account remaining frozen until completion. I told XXXX that the selfie video request was a violation of my expectation of privacy and not appropriate considering I, the customer, didn't do anything wrong. I was simply trying to make a purchase and had already validated my info with another representative. After I asked to speak to someone else, XXXX put me on hold. While waiting on hold, an automated message said something very similar to, " Your call couldn't be transferred, please hang up and try again. '' THIS HAPPENED THREE MORE TIMES! Another time, I was transferred to XXXX, who sighed loudly on the phone and said, wow in an exasperated tone. At one point, XXXX hung up on me because he said he couldnt hear me. Im certain my phone wasnt muted on my end and I could hear him the entire time. Another time I was on the phone with XXXX and asked to speak with a manager, he put me on hold and once again an automated message said something akin to, " Your call couldn't be transferred, please hang up and try again. '' Another time, I was on the phone with someone who called himself XXXX. He hung up on me when I asked WHY my account was requiring escalated verification despite my previous validation at XXXX. I recall swearing while in-conversation with a representative when I said, " I should be able to buy whatever the f*** I want. '' I was then scolded by the phone representative. I was upset but would never call people names. At one point, I put my phone down and yelled into a pillow. While Synchrony card services blocked my purchase attempts on my GapVisa card, they didnt halt the eventual purchase with the out-of-state business using my spouse 's XXXX brand credit card which is also serviced by Synchrony. Not a single issue occurred with that transaction despite us having the same billing zip code. I have closed this GapVisa account with a XXXX balance after almost 10 years of being a customer. It should be noted, if I had been a person without a camera-phone in a dire situation, Synchrony bank could have left me without access to funds. For the benefit of other consumers, I'd like Synchrony to answer the following questions. Besides that, I'm not interested in hearing from them or providing them with any more of my time. 1. Why didnt I receive a single fraud notification alert, like in the past? I recall double-checking my settings a few months ago and the alerts were still turned on. 2. Why werent Synchrony representatives able to put me on-hold without hanging up on me? Its a liability to have folks doing their job incorrectly whether the source is poor training, substandard technology, or a lack-of-care. 3. Why wasnt I connected with a supervisor? If I was speaking with a supervisor, why didnt they identify themselves as such? 4. Does Synchrony have employee rating factors that punish folks for escalating calls? 5. Why wasnt a qualified person able to override the situation when it was clear all transaction attempts were coming from the same business and I provided acceptable verification at XXXX pm?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58102
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 1. SYNCB/CARE CREDIT Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/2021. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by the creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by the creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by the creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers, and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA, and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive up to 3 phone calls a day from Synchrony Bank, with no information left except to contact them back and they leave a mailing address as well. Then randomly it will say its regarding a XXXX XXXX tools credit card, which I do not have, nor have ever owned. They call as late as XXXX sometimes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
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've been attempting to get CareCredit to correct their errors in charging me interest on promotional purchases I paid off prior to expiration date plus it looks to be that I'm given 12 months or 24 months for the promotional purchase and at 6 months suddenly CareCredit interest charges hit my account? They will not send me my past statements from the year ( s ) prior and when following their online process to request older statements, their system logs me out of my account each time. I've been able to find some older statements to prove the inaccurate charges but without ALL my statements showing payments/transactions I am unable to calculate exactly how much in inaccurate interest charges are on my balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Amazon Synchrony The Billing Date is on the XXXX of the month. When you pay the balance in full between the XXXX and XXXX then it does not count as a payment for the billing cycle ending on the XXXX. Any charges made after full payment an the XXXX of the month will be due by the XXXX of the next month or be considered past due and a late charge is charged. I have complained to the company and have been told that I can only make payments between the XXXX and the XXXX of each month or they will be applied to the previous month. 1 ] its hard to remember that we can not puchase anything on Amazon until after the XXXX of each month. 2 ] if the billing cycle ends on the XXXX any payments after that billing cycle ends should go to the next billing cycle, after all if we missed that date with a payment we would be penalized. The answer I get when trying to work this out is " I'm sorry but this is a company policy ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX : I received an email that I have a past due amount of {$27.00} on an Amazon.com Store Card issued by https : //amazon.syf.com/ I closed months ago. I logged into my official accounts for Amazon & Synchrony on their official websites, and both are confirmed closed. I spoke w/ representatives for each company and they confirmed I do not have a past due amount and all the accounts are closed. They informed me there have been similar fraudulent emails that customers are calling about. I've received multiple emails over the last few weeks claiming I owe a past due amount and now there is an attempt to collect a debt. When I go to my account from the emails it shows a completely different account that matches the card # for the closed Amazon.com Store Card. I tried chatting on this fake site, and closing the account on this site at this link : XXXX XXXX XXXX This does not work. The Chat Bot doesn't answer the question, no way to get to a live person when I call the ph number listed XXXX.When I click on " Close Account '' and fill out the form it won't accept when I submit. This has been going on for weeks and I want to make sure that I do not have a negative report on my credit for this fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97330
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A