Date Received: 2023-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Telephone representatives that represent Synchrony Bank ( XXXX XXXX ) are refusing to give me access to my XXXX XXXX account so that I can make payments. After becoming ill ( and having to miss work for a time ) they locked my on-line account, and claimed a charge-off. I had already signed a prior contract to make payments of {$50.00} a month until the amount was paid off or caught up ; so they broke the contract, locked me out of my account; and as a result, my credit score is being negatively affected. I wish to have the account unblocked so that I can continue to get the account to a current state. They are engaged in unfair business practices.One should not have to argue to make payments on ones own account. The account is still active when they are claiming it's not. When I attempted to make a new account I received the message that I couldn't because their was already an account with my information. So they are actively lying. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28379
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Between XXXX of XXXXXXXX & Now ( XX/XX/ ), tried to secure a payoff amount to consolidate debt. Synchrony has refused to provide this amount to me or my lending institution. This delayed my attempt to close on the loan, so in order to continue with the process. Official letters were sent by an attorney, mailed certified 1st class XXXX, to Synchrony bank & they were instructed to pay them off & close both accounts. Now the accounts are still open ( with a balance of course ). They are harassing me daily, via email, phone calls & text messages. In an attempt to extort more money from me and to continue to charge me late fees in the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: We went to XXXX XXXX XXXX and purchased a bed on a credit card that we already had. A few days later we received a store CC in the mail. When I checked my credit report, they made a hard inquiry and my score was down XXXX points. We NEVER authorized a store CC nor any inquiries into our credit history. Creating a CC that was never asked for sure seems like fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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 purchased an item ( {$240.00} ) on XX/XX/2023 on XXXX which I did not receive. I paid additional ( {$14.00} ) for expedited shipping which includes signature on delivery. Items was shipped from XXXX ( I use expedited and signature on delivery generally, but specifically for all overseas deliveries ). Merchant admitted that items was shipped without the expedited shipping. Merchant did not refund either expedited shipping cost nor the cost of the item that was not delivered. Merchant 's delivery company states item was delivered, but there is no physical proof of delivery. I never took delivery of item. I filed a dispute and complaint with XXXX and then PayPal Credit ( Synchrony ) as that was the form of payment used. Synchrony dispute yielded a negative outcome and I am being held liable for charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: the company is a charge off company I believe they keep spoofing my phone number on two of my phones now what I was told it was for sam 's club and the company who bought their old accounts is portfoliorecov. I spoke with sames club who informed me I do not owe them anything. these charges occured after I had already cancled my card 3 months prior. they said I owed XXXX dollars so I paid them XXXX $ last month which was fraudulent and not even mine just to get them to stop calling me I have proof with my bank and they said they never got anything which is a lie.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We sold our old home and our Land Transfer company gave us checks to send out. We sent them out priority mail with tracking numbers. They received the checks for both QVC and Lowe 's to payoff accounts and close them. They didn't do so. When I couldn't get ahold of them I contacted the XXXX and notified them they hadn't paid off the accounts. They finally contacted me and said they actually had the checks but the checks didn't have account numbers. ( the womans name was XXXX ) She stated she was putting the account numbers on them and would post the checks immediately. The next day when I checked the accounts it stated the checks would be returned within 60 days due to no account on them. I have tried to contact them. Tried to chat with them. I have gotten mixed chats. 1. Never got the checks they are missing. 2. Checks are being returned. 3. We have the checks but have no accounts and have to hold for 60 days. So no one knows what they are doing but my payments are in default, my credit is going into the toilet and all the while they have the money to pay it all off. As I check into this company I find out they do this a lot. This is absolute rubbish and they really need to be stopped. I need my money or they need to pay off my accounts and close them so I don't have to ever deal with them again. This is an outrage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a Care Credit card for several years and made several large purchases on the card. I paid it off, on time, every time. I never missed a payment once. The problem arose when I stopped using the account that my autopay was scheduled to come out of. I used the app, and it had no way of changing the autopay account. I decided to just set a reminder in my phone and pay the bill manually from a different account every month. I never missed a payment ever. Then I started seeing an extra charge on my account, and I called to ask what it was. They were charging me for non payment of my bill, regardless of the fact that I had paid my bill on time, without fail every month!! Then they closed my account for missing too many payments!! I have not yet checked, but I assume that they have likely reported this to the credit bureaus as well. This is completely unfair and undeserving.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My accounts are with Synchrony Bank and they are Care Credit Card and Amazon XXXX card. Both have been active and used for many years. I was abruptly notified that both accounts were closed due to returned payments. I may hve been late on a few payment but promptly paid the the day after they were due. After hundreds of timely payments I may have been late on one or several payments over the last five years or so. In addition when my payment is late they assess me with a forty dollar late fee which I pay. My balances are not excessive and I have paid them hundreds in finance charges. I find the egregious as my Care Credit Account has a line of {$8000.00} and had used about {$3000.00} of it.So now I still owe the balances and continue to make make payments on time. I need the Care Credit line to pay some uncovered dental work.Do I have any recourse. They so aggravated me that I am tempted to stop paying them anymore and let the pursue me which will be unsuccessful since my only income is my Social Security benefit which is more than enough to satisfy all my finacial obbligations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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: Synchrony Bank allowed XXXX to charge {$7600.00} from my credit card closed account without my authorization, for furniture that I rejected because was broken and with assembly defects. I did not provide my signature on the delivery paperwork. I explicitly rejected the delivery and asked the delivery personnel to remove it from my house. I want to emphasize that the delivery was made in the middle of the night wich is unacceptable. I contacted the store to solve the problem and they didn't contact me on time. I contacted the bank and a customer service agent advised me to remove the furniture from my house. I did not accept the delivery, the delivery company left the furniture without my consent. I called many times to the bank and they confirmed me that I wouldn't be charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20877
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, i.e., the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. to the Following Companies XXXX ( XXXX XXXX ), XXXX XXXX, Synchrony Bank ( SYNCB/CARE CREDIT )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A