Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Obtained my credit report and have unauthorized inquiries on my profile XXXX XXXX ( retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( retailer ) XXXX XXXX 3.SYNCB/PAYPAL ( bank ) XXXX XXXX 4.SYNCB/ AMAZON ( bank ) XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, saying a judgement for {$1000.00} is dormant and can not be enforced but in the near future, likely within the next 60 days, his office will file a motion to substitute appearance of councel and a motion to XXXX judgement. They are claiming the judgement is from is from XX/XX/2016. I sent a verification of debt letter via certified mail on XXXX, the tracking is XXXX XXXX XXXX XXXX XXXX. It says delivered to a XXXX XXXX XXXX XXXX but XXXX I got the letter returned to me, XXXX.
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: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had a Rooms 2 Go, Synchrony Bank account for a couple years, as I used it to make a bedroom/frame purchase from a Rooms 2 Go store in XXXX of XXXX. This was on a large no-interest policy, which was set to expire/end at the end of XXXX. Randomly at some point near the end of XXXX, the bank, while doing it's " monthly reviews '' decided my account should be closed and exerted it's authority in the matter, closing the account down, while preserving my no-interest policy. The original purchase was for {$1000.00}, with a minimum payment of {$17.00} a month. None of this is where my complain lies. Once they randomly decided to close my account, their actions also prevented me from using their highly convenient app to keep track and make purchases. I do not own a full fledged fully working computer so this was definitely an extra burden they put on me, and I believe their reasons for doing so are malicious. There is no reason to block someone out of an app designed to make payments convenient, unless their intention was to not make things convenient. As with most policies involving no-interest, if I were to miss a payment they would have the authority to not only revoke the no-interest policy but add on all of the interest from the beginning, netting them several XXXX dollars in interest fees and such. It is my strong belief that their action, and likely policy, to prevent customers with active debt, from accessing an app that all of their other customers are free to use and is available on all platforms, is an attempt push customers towards violating their no-interest policy. It is not lost on me that the decision to close the account was done solely on their end as well, meaning they have been responsible for every action. I am concerned their actions are malicious and intended to push customers in these situations to acrue even more debt, and there is no financial burden on them in allowing access to the same convenience features that all of their other customers enjoy. This was also a store credit card, giving even less reason to take such measures as it was for a furniture store and not prone to constant purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX two charges were made to my Verizon Synchrony credit card for two ( 2 ) blenders from XXXX ( {$960.00} and {$960.00} ). At this same time, my email account was signed up for many ( 50+ ) foreign/non English websites. I immediately ( next day via telephone ) cancelled both items from XXXX and requested XXXX to credit my account and have unsubscribed to many of these websites. Verizon Synchrony credited my account for one of the charges, but refuses to clear the other charge ( {$960.00} ), indicating that " both blenders were delivered to my home ''. They have never produced shipping information. Dealing with Synchrony Bank has been a nightmare of automated messages & company representatives that say they will clear my account, but have not - one charge ( {$960.00} ) is still being charged to my account. My last invoice from Verizon Synchrony Bank shows a " balance transfer '' of {$960.00}. I think they initially deleted this charge, and added it back on to my XX/XX/XXXX bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted the company because I keep seeing them negatively affecting my credit score. After speaking to two representatives they both told me that I need to contact the credit bureau to get this resolved since there is no account under my full name, phone number or social on their records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I sent feedback to my complaint # XXXX that was originally filed on XX/XX/2023. I received no response to my questions on XX/XX/2023 regarding your response on XX/XX/2023. Here are my questions from the complaint # above. Thank you XXXX XXXX XXXX for your response to my questions. In your 4th through 6th paragraph you state that there are multiple reasons why my deposits won't post as a credit to my account. I have a few questions about those reasons. 1. In your 4th paragraph you state that a stop payment could effect this. I can understand if Synchrony was receiving a paper check by mail because those take many days. But this payment is processed through electronic payment from one bank to another and as you can see from my attachments it happens within a few days. Also XXXX policy states that it can not stop payment on a payment after its been paid. You can see this in the " Stop payment of checks '' section in the link provided below. I believe that since the payment shows up in my XXXX XXXX account XXXX can not stop this payment and this first reason is not valid reason not to post it as a credit to my account. https : XXXX? XXXX XXXX. You also state that a " large number of payments made within a specific time period '' could cause this to happen. Could you please specifically explain your definition of a large payment, and how you calculate that large payment when it relates to my account. Also could you please explain what specific time period you are referring to. I make one sometimes two payments a month. Does two payments in a 30 day period cause this? If so could you please tell me what amount and time period I should be paying to keep this from happening in the future. 3. You state, " previous returned checks '' I have never had any returned checks. Please let me know if this could be a reason. 4. " Payments on new accounts '' please explain what a new account is and if I fall under this category. If I do could you please give me a time period when my account is no longer considered a new account. 5. " Out of pattern payments '' please explain Synchrony 's definition of out of pattern payments. As stated above I will usually make XXXX, possibly XXXX payment a month. I pay on or around the XXXX of the month and maybe XXXX in the middle of the month to bring my available credit back up. 6. " Amount of payment '' please explain what dollar amount of payment is considered large in my situation. I know you may not be able to give me the specific answers to my questions. If not I would greatly appreciate it if you could escalate it to someone that can answer them so we can get this handled and so I can make an educated decision how to handle this account. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Well, I been tried the figure about credit score or reporting what kind of whatever I wasnt sure if that not sure how it working from what I never knew what is! however every time I wont get approved because I never knew what is my score reporting or credit and so on since I have no idea what is the score and so what I not sure how come to that I can not get any approve nor any way prequalified likely wont approved me ever since I had never knew what is credit or scores report the frustration all times I never got anything from there ever since that I trying tried every apply any credit but caused of what is issue wont approve me because of my credit or scores reporting?? Honest I have no idea how it work that what I still never knew what is scores nor that anyway. I need resolve the issue and whats going on even need know why either that I do complaint which should my rightly to know but I been very frustrated tried find way to able to get it instead said kept unfortunately not prequalified because of credit or score reporting likely I still never knew nor didnt get any know score credit nothing about, or any way from what my understand but why and I dont have any use credit card last in the old pasted thats it last. But shouldnt have any happened from there. So like I said need resolve an issue about where is any score is that it coming from?? And all I know nothing score of credit or reporting either.. I have no idea really. So from what I need know That is all I need know is a BIG Question the why! Seriously and need find out kind of issue though
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please conduct a thorough investigation to determine the origin and legitimacy of the unauthorized inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
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: 2023-12-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I am writing to file a complaint for unresolved pending charges on my account which is preventing me from closing my account and potential non-compliance with regulatory standards. I submitted a XXXX complaint on XX/XX/2023 which they have just been ignoring so hopefully you get a better response from them. They just keep deleting my messages out of my portal with them anyway attempting to hide my contacts, despite me having email verification they responded, poorly. You can see in the attachments how my message center only shows one message while the email screenshot shows they responded about the same account on XX/XX/XXXX. They are now actively trying to cover their tracks and hide any wrongdoing. 1. Unresolved Pending Charges : For over five months, my account with Synchrony Bank has been burdened with two pending charges that remain unresolved. Despite my repeated attempts to resolve this issue with the bank, I have been met with unproductive advice and a lack of substantive action. The bank 's insistence that these charges will " drop off '' and their directive to contact the vendors involved have not led to any resolution. This not only reflects poorly on Synchrony Bank 's customer service but also restricts my ability to close my account, a right I believe is protected under consumer protection laws. 2. Non-Compliance with Data Protection Laws : The persistent issues with my account at Synchrony Bank have raised significant concerns about their adherence to various data protection and financial regulations. These potential violations include, but are not limited to : California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ), Gramm-Leach-Bliley Act ( GLBA ), The Fair Credit Reporting Act ( FCRA ), Sarbanes-Oxley Act ( SOX ), Payment Card Industry Data Security Standard ( PCI DSS ) The consequences of such violations are severe. They can lead to extensive external audits, hefty fines, legal actions, and a substantial loss of customer trust. In severe cases, repeated or gross non-compliance can result in more drastic regulatory actions, including the revocation of licenses to operate in certain jurisdictions. Given the seriousness of these issues, I request the CFPB 's immediate intervention. Specifically, I seek : - Prompt resolution of the pending charges on my account so I can close it. - A thorough investigation into Synchrony Bank 's compliance with data accuracy and protection laws, especially in light of California 's CCPA and CPRA. - Assurance of measures to prevent similar issues in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Today Synchrony ( Lowes ) notified me of a {$2.00} statement fee for mailing written statements. These types of fee are unconscionable and should not be permitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A