Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX CREDIT CARD ON XX/XX/XXXXXXXX AND SYCHRONY BANK on XX/XX/XXXXXXXX furnished an inaccurate and fraudulent report to all consumer reporting agencies and in doing so violated my consumer rights pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. SYNCHRONY BANK and XXXX XXXX CREDIT CARD 'S inaccurate and fraudulent reporting of this account has caused severe damage to my character, reputation, my general mode of living and my ability to obtain credit for personal and household purposes. Their inaccurate reporting damaged my livelihood. As defined by the IRS for cancellation of debt : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return a form which they failed to send me. The 1099-C form reports a cancellation of debt ; creditors are required to issue Form 1099-C if they cancel a debt of {$600.00} or more. Form 1099-C must be issued when an identifiable event in connection with a cancellation of debt occurs. According to XXXX, the CFPB says that income is not part of a credit report. Creditors may include employment information, such as the name and address of an employer, on a credit report. Creditors may also consider income that a stay-at-home applicant shares with a spouse or partner when evaluating an applicant for a new account or increased credit limit. Since these debts were clearly charge off accounts it means that there cancelled debts which is GROSS INCOME which can not be reported on my consumer reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70517
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have multiple accounts through Synchrony and today ( XX/XX/23 ) I needed them to apply the payment I made yesterday sooner than usual since one of my pets was having an unexpected medical procedure ; I needed the payment applied to my Care Credit account. I contacted Synchrony through the chat feature and when I spoke to one rep they said the funds would be available. When I went to pick up my pet the funds were not available and Synchrony would not make them available even though the funds had been transferred from my bank to Synchrony already. With other Synchrony accounts ( Sam 's Club ) they apply the payment IMMEDIATELY so I'm not sure why Synchrony would not do the same in this instance especially after I asked if the funds would be available and was told yes they would be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a debt collection notice from XXXX XXXX XXXX, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) I received a call from XXXX XXXX from XXXX & XXXX on XX/XX/XXXX at XXXX. I have the saved voicemail. This account was in dispute and they still were attempting to collect on this debt. I received an envelope from XXXX XXXX XXXX on XXXX XXXX, XXXX. The contents had nothing I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2023-12-20
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've notified this company on XX/XX/2023 requesting information about the account in question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77088
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony Bank lowered my credit limits on three of my credit cards to the amount owed on the cards, that made my credit use go from 30 or 40 % to 100 %. that made my credit score go down hurting me financially, I have never been late, always payed more then the payment due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On Tuesday XX/XX/23 I dropped off a package to USPS. Maybe an hour or two later after I dropped off the package, I received a text message that said they could not send my USPS package and needed my credit card info to return the package.The text message had a link to click on and asked for my name, my address, phone number, and email address. Because I had just sent a package earlier in the day I thought this was a legitimate text from USPS and clicked on the link on the text message and put in all the required information. I entered my name, address, phone number, email address and entered my Synchrony Bank TJX rewards master card information. Two days later on XX/XX/23 at XXXX, I receive an email from DICKS Sporting Goods saying I just made an online purchase of {$980.00} for items I never bought and never authorized. I immediately called the number on the back of my TJX rewards mastercard to report the unauthorized charges and to close my account and send me a new credit card. At XXXXXXXX XXXX that same night, I receive another email from DICKS Sporting Goods saying the items are ready to be picked up. And at XXXX I get another email from DICKS Sporting Goods saying the items were picked up. I NEVER bought the items online, authorized the charge on my credit card for those items, or picked up the items purchased on my credit card that night. I was home and did not leave my house at all that evening. When trying to figure out how my credit card information was stolen and used, I remembered the odd text I got two days earlier from what I thought was USPS. I reviewed the text and realized the text was from an XXXX email account and NOT from USPS. It was then that I realized this text was a fake text and a scam that unfortunately tricked me into putting my information. My fraud claim from the Synchrony Bank Fraud Investigation Unit had been denied multiple times even after I called to appeal the decision and sent them copies of the emails I received from DICKS, a picture of the scam text message, and an explanation of what happened. I received a letter from Synchrony Bank Fraud unit saying my fraud claim was denied because the items were shipped to my address, and that I authorized, participated in, or benefited from the purchase. I now have to pay {$980.00} for items I NEVER authorized and items I NEVER picked up or received. According to the emails I received from DICKS, A XXXXXXXX XXXX baseball bat and a XXXX XXXXXXXX XXXXXXXX XXXX was purchased with my credit card and my name, address, email address were used for the online purchase. I would NEVER purchase those items.Ii do not play baseball and no one i know or in my family does. And i have NO IDEA what a XXXX XXXX XXXX is or what it does. I would NEVER purchase these items. I do not trust that in the future, if my card is stolen and used, that Synchrony Bank fraud unit will do a proper investigation and fear that I will owe money for fraudulent charges again. For this reason, I have canceled my credit card account. I am disappointed in their decision, as I have had this card for many years and never missed my payments. I do not believe I should have to pay for items I did NOT authorize from my credit card. I will also not be using or recommending any future credit cards from Synchrony Bank if this issue is not resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01020
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/, my statement balance was {$67.00}. This was paid in full. On XX/XX/, my statement balance was {$740.00}, of which {$11.00} was " interest charges '' based on a balance of {$460.00}. How this makes any sense is beyond my comprehension, and now, I feel the need to go through every single line item on my statement going forward. This is highly deceptive conduct. This is not based on the interest charged, but my concern is that this " error '' may be widespread and may be affecting millions of other account holders that allow the company to scrap up revenues that likely would pose high regulatory concerns here. I have attached both my XXXX and XXXX statements for ease of reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing with a heavy heart and a sense of desperation to request your understanding and compassion in a matter of significant financial consequence. I have been a loyal customer of SYNCB/CARE CREDIT for 8 years and have always appreciated the relationship we've had. Unfortunately, life has thrown an unexpected and devastating curveball our way. Recently, my family suffered the profound loss of a close family member, my beloved father. This unforeseen tragedy has not only left us emotionally shattered but has also brought about unexpected financial challenges. During this difficult time, managing the obligations associated with our [ Bank or SYNCB/CARE CREDIT account has become an overwhelming burden. I have reached out to your customer service representatives, and I must commend the empathy and understanding they have shown during our interactions. They have informed me about the possibility of a goodwill adjustment, considering the exceptional circumstances surrounding our situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Another loan accidentally was drawn out of my account twice, causing a deficit in my bank account which in returned cause my other auto payments to not be honored, like the one in question ( CareCredit ) - I contacted the auto loan bank that caused the deficit and they processed a refund of overpayment but prior to that being returned CareCredit tried to draw my payment out a second time, which was rejected again. They then closed my account without any notice to me prior. They stated to be it was due to my payment being rejected twice. Prior to this I had not missed one payment and I honored the mixed up payment within 5 days of it happening. I know others who have accounts with the CareCredit lender ( Synchrony bank ) that have been late with their payment multiple times but did not have their account closed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I went into XXXX XXXX in XXXX AZ on XXXX XXXX to choose a new couch I needed for my apartment. I chose one and when it was delivered a few days later I saw that the couch material was in bad shape, strings were coming out and it looked bad. I called them and they agreed to send out a technician to take a look at it. Technician came out and agreed it was in bad shape. He said that someone from the store would reach out after he submits the findings. In the next couple of days the store called and said that I can get a refund and they would pick up the couch, or I can go into the store and choose another couch. I went with the second option and went into to the store to choose another couch. This time this new couch I picked was double the price about {$1100.00} and the old couch was {$520.00}. They said the new couch would be delivered around XXXX XXXX, I said ok and they told me I didnt have to make a payment until I receive my new couch and the new balance would reflect on my Synchrony bank account once the new couch was delivered. I said okay and asked them if they can pick up the couch I have now which I didn't need it was in bad shape, they said " oh no its ok, keep it and we will just pick it up the same day of the delivery. '' I said ok. But I guess they expected me to pay on the couch that is NO LONGER mine when I purchased a new one, mind you, they STILL have not fulfilled there agreement on delivering the new couch. First i was told XX/XX/XXXX, then I was told it will arrive beginning of XXXX between the XXXX, and now its XX/XX/XXXX and I STILL DON'T have the couch, I've called them to ask and they couldn't see why its taking long. And no one has returned my call. I've asked them to take the old couch and they refused. I did not know synchrony was expecting me to pay for something I switched out and is no longer my property. I've worked extremely hard to build my credit. Very very hard, and when my credit score updated this month it dropped down XXXX points! I called Synchrony and disputed it and even the guy I talk to said I should not have been expected to pay or sent to collections for " late payment '' I didnt even know I had a payment. I'm very frustrated and I want this off of my credit report. XXXX XXXX has not even given me the couch I purchased, so what am I paying for? they sent me to collection for {$66.00} dollars and I'm really upset. and has greatly affected my credit. Please help me. On XX/XX/XXXX my XXXX XXXX XXXX and I got into a bad car accident, a careless lady failed to stop at a stop sign and hit us, my car is totalled and soon I would like to buy a new car, but with my credit score going down drastically it has really affected the quality of my life. I will never do business with Synchrony bank ever again. If you look at my credit history, you will not fine ONE bad unpaid debt or a bad history of payment, please please help me take this off of my credit report. Also I signed in and paid it off ANYWAY, which I shouldnt have, I just want this off my report please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A