Date Received: 2023-12-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Verizon was offering a special if you opened a Synchrony Bank card, you would receive a discount. Sounded good at the time, however, after a month I decided to cancel the card and continue using. Verizon 's auto pay which I have been using for years. I cancelled the card XX/XX/XXXX. However, the bank keeps charging me even though I have sent them proof from Verizon that the charges have been paid. I have also sent them verification from Verizon that the account is closed. I recived another bill today XX/XX/XXXX, they are adding late charges and they are also reporting that these payments are late to all of the Credit Bureaus. I have an excellant credit score, which they are damaging. I have also brought this issue to the Attorney General 's Office and the Bank was not willing to resolve this issue. I would like bank to bring the account to zero, I do not owe what they are charging me on a credit card that is closed. They are also charging later fees and interest. In addition, I would them to send letters to all the credit bureaus and withdraw their complaint in order to correct the damage they have caused to XXXX credit score.. I have been trying to resolve this issue sind XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12010
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony Bank decided without my consent to close two credit cards I had paid off ( XXXX XXXX and XXXX ) and gave me no reason why they closed them. On another account ( Carecredit ) they decided to decrease my credit limit, even though I have always paid on time and have not skipped any payments. I am a member of the military and I believe these are unfair business practices which affect the fulfillment of basic living needs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a Care Credit account from Synchrony Bank to pay for a medical procedure which had a 12 month interest free promotional period. When I enrolled in the account, I was prompted to set up e-billing and automatic payments, which I did. Despite making all automatic payments on time and in full, I was charged a large deferred interest fee at the end of the promotional period, and I was not proactively notified that this fee was about to be charged. This is because the automatic payment amounts did not cover the full balance by the end of the promotional period, and because with e-billing I was not sent any notification ( e.g., by email ) stating that the promotional period was ending and I needed to pay off the balance to avoid deferred interest payments. In order to find this information, I would have had to log into their account portal ( consumercenter.mysynchrony.com ) and download my statement. I did not visit the portal because I had enrolled in autopayments and believed that making them would be sufficient to avoid penalties. I also thought that I would have 12 payments in the promotional period, but this was not the case, because I did not receive my first statement until 60 days into the promotional period. Instead, my promotional period expired after only 10 payments ( 10 months ). Had I known I was about to be charged a deferred interest fee, I would have paid the balance in full at that time. I called Synchrony Bank as soon as I notic ed that the amount of my automatic payment had increased ( because of the large deferred interest charge being added to my balance ), and not only did they refuse to allow me to pay down the original balance and remove the interest charge, but they repeatedly lied to me, and when I asked to be " escalated '' ( their term ) I was just passed to another person with the same title ( Account Manager ) - I spoke to four of them over more than 1h 30min. When I asked for other options, I was told I could send a fax to " General Inquiries and Correspondence '', and I should receive a response in 1-2 billing cycles ( 30-60 days ). When I asked an Account Manager if I could speak with someone other than an Account Manager who is more senior, they initially said " no '', and after I pushed, they said I could request a call-back from an " Admin '', which should happen within 3-5 business days. When asked if I could call an Admin directly at a different time of day, I was informed that Admins have no set hours of availability, but there should be one available at XXXXXXXX XXXX EST the next day. However, they could not say until what time that person would be available. In short, Synchrony Bank made it extremely difficult to try to get a resolution to this problem. I believe this system is set up deliberately to make it highly likely that consumers will not realize their promotional period is about to end and they will be charged a large deferred interest fee, for at least XXXX reasons : 1. When opening an account, consumers are encouraged to enroll in e-billing and set up autopayments. 2. Autopayments default to an amount that does not pay off the full balance within the promotional period, and this is not explicitly disclosed to the customer. 3. Electronic billing does not provide any proactive notifications, but rather requires that the customer log in to their account and accesses a statement. No specific communication is sent notifying customers of the end of a promotional fee or of the deferred interest fee being charged. 4. Notifications of fees or promotional periods ending can only be set up proactively by customers at a different time than when the open the account and/or set up e-billing and automatic payments ( and their customer service people reached by phone can not guide you on how to set them up ). 5. They have a " no exceptions '' ( terms and conditions of all agreements must be followed and no changes to fees can be made ) customer service policy, while many other banks will work with customers to resolve credit card fee disputes if they are raised promptly and in good faith by the customer. 6. Their customer service people use deceptive language and have prepared, evasive answers to deal with complaints about their system guiding customers to end up with large interest fees even when they make all automatic payments on time, about proactive notifications of promotional balances ending not being provided, etc. Further they have an opaque, frustrating escalation process to make it extremely difficult to reach a person who can actually resolve a problem ( likely with the hope you will just give up ). Further, detailed terms and conditions ( which I requested from customer service ) for the credit account, enrolling in autopayments, and enrolling in e-billing are not available on the customer portal website ( XXXXsynchrony.com ) with statements and account balances. Rather they are only available on a separate site ( synchronyXXXX XXXX. When I asked to be emailed, I was told they can only send them by mail, and it will take around 60 days to receive them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with 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: The credit card company closed my credit and sent me new one. A handyman worked for me between XXXX - XXXX, XXXX which I paid him for what he did, but he took 2 month illegal break. He said he would be done in XXXX, but he only worked a few hours so only completed nearly 40 % of the work. Oddly Ive had to cancel and replace XXXX credit cards recently in last few months between XXXX - XXXX that he couldve easily picked the lock, found safe keys, and got into my safe. Every card he didnt have access to hasnt been canceled and replaced since hes been there which led me to one persons fraud and thats my old handyman. Therefore I put pad locks and alarm system since I had to ask for some things back already. I have his address from his sons whose XXXX drivers license if correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my Synchrony credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for Synchrony 's XXXX XXXX XXXX and the credit card opened with Synchrony on XX/XX/XXXX. I have attempted to collect this information from both Synchrony and XXXX XXXX XXXX on XX/XX/XXXX. Synchrony responded with not willing to provide the information. XXXX XXXXXXXX XXXX XXXX response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with XXXX XXXX XXXX on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used Synchrony 's XXXX XXXX XXXX to file two claims for payment protection due to being laid off during the covid pandemic due to lack of work. Those claims were made XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have been trying to fix my credit for years. I have paid lots of money to credit repair agencies and my credit is still an issue. As a regular consumer who doesnt understand how to fix my creditit becomes very overwhelming! I am trying to buy a house a call and even opening a simple checking account has become difficult. Due to circumstances I no longer have dates, amounts etc. I do know there are charge offs with balances and debt that has been on my credit report longer then XXXX yrs that continues to be sold to third party companies. Please help me gain my creditworthiness back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was interested in getting denture implants. I found a provider and applied for carecredit through synchrony bank. I decided to wait and did not get the XXXX XXXX XXXX But care credit is charging me as if I did. They are billing me nearly {$4000.00}. Many phone calls, emails later they will not correct this mistake. My credit has gone from excellent to poor. Credit card companies have cancelled my card and my own bank has decreased my available credit. I have been trying to correct this for over 8 months. Without acknowledging me I still recieve many phone calls emails and postage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I requested proof of inquiry and was told that don't have proof so I asked them to remove them and they said no
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: This unknown Retail Credit Card company named XXXX Synchrony Bank with a balance of {$1500.00} has been reported on my Credit report with XXXX and XXXX. Opened XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A