Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX has violated my rights. Furthermore ; 15 USC 1681 Section 602 States I have the right to privacy. Followed by 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for a purpose. I XXXX XXXX XXXX would like for this late payments to be removed immediately. Thank you!
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: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SYNCB/TJX DC Inquiry date XX/XX/2022 I did not authorize a hard pull of credit by this company on this date or at all. Due to this hard inquiry it is preventing me from doing things to this day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We have received multiple calls to voicemail ( about seven so far in a span of about three minutes ) from Synchrony Bank regarding a debt collection. We do not now, nor have we ever, done any business with Synchrony Bank. I've blocked their number ( XXXX ) XXXX using my phone service but am concerned that they will harass others using similar tactics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95124
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a payment of {$120.00} on XX/XX/23 and sent CareCredit a message requesting that my payment be applied to my non-promotional ( standard purchase ) balance first. They responded on XX/XX/23 with a message saying " In accordance with your recent request, we've applied your payment to your requested balance, effective today. Please allow up to 72 hours for the update to appear on your online account, and the adjustment will appear in the Promotional Summary section of your next billing statement. '' When I looked at my account a couple of weeks later, it looks like my standard purchase balance ( {$100.00} ) was not fully paid off ( still owe {$39.00} on that purchase ) as I requested and one of my promotional balances had increased from the original purchase amount of {$300.00} to {$350.00}. I called CareCredit customer service on XX/XX/23 and they told me that instead of allocating my full payment fully to my standard purchase balance ( as I requested and they promised ), there was an accounting error and my promotional balance was increased instead. This means that not only are they not using my money I sent them to pay off my balance, they are charging me more fraudulently. They said they would correct this error and then they told me that I was not allowed to request payment allocation by message, I had to call customer service. If this was the case, why did they send me a message on XX/XX/23 saying they would allocate my payment as promised? If I did not go into my account, I would not have found this error. Even though I called them on XX/XX/23, my account is still reflecting a standard purchase balance as of XX/XX/23 that was supposed to be paid off as of XX/XX/23, which means they are also charging me additional interest on that balance that was supposed to be paid off. This is fraud. They said it could take 2-3 billing cycles to correct this. Why??? So they can charge me additional interest that entire time? Other banks are able to reflect payments and corrections within 24-48 hours. I have documentation to support all of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize SYNCB/LOWES to run my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I am writing to seek your intervention regarding a dispute with Synchrony Bank concerning a Lowe 's credit card account. Synchrony Bank has initiated legal action against me, issuing a summons to court. However, they have failed to provide adequate verification or validation of the alleged debt as requested. In response to the summons, I sought to verify the legitimacy and accuracy of the claimed debt. The specific information requested from Synchrony Bank includes : Proof of the Debt : A request for the original contract or other documentation establishing my agreement and responsibility for this debt. Account Statements : A detailed breakdown of the claimed amount, inclusive of any fees or charges added. Licensing Information : Verification of Synchrony Bank 's license to collect debts in my state, including their license numbers and registered agent. Ownership of Debt : If the debt has been sold or transferred, I requested documentation establishing Synchrony Bank 's legal right to collect it. Detailed Calculation : An itemized calculation of the total amount owed, encompassing interest and any additional charges. Credit Report Entries : Clarification on how this account is being reported to credit bureaus, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Despite these requests, Synchrony Bank has not provided the necessary validation or verification of the debt. This lack of response raises concerns about the legitimacy and accuracy of the debt claim, especially in the context of the pending legal proceedings. At the time of receiving the summons related to the aforementioned debt, I was a resident of the State of Florida. However, I received the summons while temporarily visiting New York. Despite this, I took immediate and appropriate action to respond to the summons in a timely and proper manner, in accordance with legal requirements. My response was duly submitted to the Supreme Court XXXX XXXX XXXX, XXXX, New York. This detail is crucial as it pertains to jurisdictional matters and my legal standing in this case. It is important to note that my primary residence and state of legal residence during the period in question was Florida. I am now seeking the assistance of the CFPB to address this issue. Your intervention is crucial in ensuring that Synchrony Bank adheres to the legal standards for debt collection and reporting, as outlined in federal regulations and in safeguarding my consumer rights. Thank you for your attention to this matter. I am hopeful for a prompt and fair resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called to find out why my payment was taking so long to post after coming out of my bank and found out that posted but did reflect in my limit and they said that the past purchases went towards the amount of my XXXX payment. I stated that I had already made a payment of XXXX yo cover the initial payment and cover the interest charge bring my payment up to date. Then XXXX days later I payed XXXX toward the card.i told them that all the charges had already cleared and I should have XXXX available. They said no. XXXX XXXX angry and told them that they are ripping ne off and she stated that's how it works. So I hung up the phone in anger.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving repeated and unwanted telephone calls from representatives of Synchrony BankXXXX regarding an account that I have never owned or been associated with. These calls have become a source of harassment and inconvenience, and I am not the debtor in question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was offered a promotional no interest and fixed extended payments with Rooms to Go using Synchrony Bank credit card. On XX/XX/XXXX I made a purchase at RTG outlet in XXXX XXXX LA for a mattress and a chair. I was given an approximate amount that would be due of about XXXX and was told that I would receive the documents for billing from synchrony Bank in the mail. I never received a billing statement from synchrony but I downloaded the RTG app on my phone and made a payment of {$35.00} on XX/XX/XXXX. ( I was told the payments would start in XXXX but wanted to pay early since I only get paid once a month ) I received an email from RTG saying a payment was due so I made another payment of XXXX. On XX/XX/XXXX. ( I assumed that my prior payment was not enough to cover the XXXX fee ) In XXXX I still received nothing from synchrony bank but I noticed I was charged a fee of XXXX on XX/XX/XXXX and a late fee on XX/XX/XXXX of {$30.00}. The payment I made on XX/XX/XXXX for {$64.00} was supposed to be XXXX payment. I was confused as to why the monthly statement was higher than expected and why I was being charged interest and late fees. ( XXXX interest on XX/XX/XXXX ) When I contacted synchrony about the billing, I was told that only the mattress had been put on the promotional no interest/fixed payment plan and that I was supposed to be making two separate payments per month. I notified them that I had not received any statements and that this was not what I was told at the RTG store. I paid the total price of chair {$280.00} and was told that they would refund the late fees. They did refund the late fee of XXXX sept. XXXX and said they would send the billing statements. I notified them that i needed the due date to be on last or first day of month. I continued to pay using the app : XX/XX/XXXX {$34.00}. And on XXXX XXXX {$68.00}. On XX/XX/XXXX I noted a negative reflection on my credit report and went to app to see why my account balance and monthly payment was higher. I noted that they had charged a late fee of XXXX. In XXXX, XXXX. In XXXX, an interest fee of XXXX. In XXXX and was saying I owed another XXXX. Before XX/XX/XXXX. I paid the XXXX. And called synchrony bank. They said my due date was the XXXX and NOT the last day of month and therefore they could charge a late fee. They had not changed the due date as requested in my last phone contact and I still was not getting statements. I signed up to receive electronic statements in the future but requested all docs be sent by mail for dispute. I have made a payment Every month and sometimes twice a month. I have made 9 payments since XX/XX/XXXX when I made my purchase and should NOT be paying late fees since I have been trying to pay a month ahead. Also, a late fee that is in excess of what my monthly set fee is excessive and unfair. It goes against the credit card act of XXXX. I have again requested that ALL late fees be returned, that my due date is changed to one that is near my pay day, and that I am NOT charged interest since my promotional plan was fixed rate no interest. I also want my credit report to be changed to reflect on time payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39452
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A