Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 I sent certified mail to all three credit reporting agencies and Synchrony Bank/Care Credit CEO XXXX XXXX and to Synchrony Bank/Care Credit ( XXXX XXXX XXXX XXXXXXXX ) dispute department. Stating Consumer Codes 15 U.S. Codes 1681s-2/ 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Responsibilities of furnishers of information to consumer. Synchrony Bank/Care Credit is reporting that the account is full paid/closed/charged off. I have requesting that this account be deleted from my credit report but is being denied. I WANT THIS ACCOUNT DELETED AS ALL OTHER CLOSED ACCOUNTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I opened a amazon credit card in XXXX and paid above the balance in full or above the required minimum and was never late with my payments. I received a letter on Saturday XX/XX/XXXX at XXXX XXXX stating that due to credit reports they are lowering my available credit by {$270.00}. This seemed odd to me and I reached out to the company for a further explanation, after dealing with incredibly rude smug customer service representatives they were unable or unwilling to provide any answers that I had and suggested that I review the agreement. So I did and I was able to figure out that they were able to justify a rate increase due to their own lowering of my available credit because of a credit reporting agency that i have never heard of and is reporting a significantly lower credit score than the other credit reporting agencies. I have had a decrease in credit usage and my income has increased in the past 6 months so it's extremely confusing how they can justify the decrease in credit, other than unchecked corporate greed of course.This seems extremely unethical at the very least and possibly illegal. This is extremely frustrating during the holidays and seems heartless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98144
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I was not aware that my promotional period was almost finished. It was hidden in my bank statement even though I was promised that my 18 month payment plan would line up perfectly. I asked for support and they told me there was nothing they can do, and that I shouldve read more carefully.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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 XXXX I applied for the Amazon store card with synchrony bank as they were offering a {$100.00} gift card in exchange. Not even a month later I get an email that showed a balance of $ XXXX despite the fact that I hadnt even received a physical card, nor had EVER used the credit card. I called synchrony immediately and was told they had a {$0.00} fraud liability policy and that she was going to file the dispute for me over the phone. I even got a follow up email from them. To my surprise one month later in XXXX, I got a bill for {$980.00}. I called, yet again and was told it could take up to 90 days. I was annoyed but agreed. In XXXX the 90 days had surpassed and I got a phone call asking to collect an overdue payment. I called once more, was transferred three times and when placed on hold for 15 minutes the call disconnected. No one ever tried to call me back. I called again last week finally reaching an account manager who claimed I only disputed {$100.00}. I was in tears. I had been calling them every few months and was told the claim was still being investigated just to have XXXX tell me theres no documentation of fraud. He was so beyond rude and threatened to hang up on me. He then asked me so which purchases are fraud? I told him i had no clue what this person purchased only that when i first called 6 months ago, I was told it was one {$400.00} and one {$500.00} purchase made. He then said theyd send me a statement so i could dispute the individual claims and I have received NOTHING. They claim to record the phone calls for training purposes so I asked him to review my phone calls that would solidify my claims and he laughed and said yeah, no. Synchrony bank is disgusting and looking at the other 488 complaints made in the last 6 months, pertaining to similar issues, they should be shut down. I worked so hard to raise my credit store and am STILL taking hits to my score today. I filed a claim with the XXXX and will be involving an attorney if this isnt resolved before the new year, Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2023-12-06
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: Charged too much interest
Consumer Complaint: I am writing to express my concerns and frustrations regarding my recent experience with the deferred interest program on my care credit card account. Firstly, I want to emphasize my commitment to maintaining a positive credit history and a good relationship with Synchrony Bank. I have been a loyal customer for several years and my high credit score is a testament to my responsible financial behavior. I am also grateful for the opportunity to finance my XXXX XXXX which has improved my life dramatically. Recently, I encountered unforeseen financial hardships that made it challenging for me to meet all my financial obligations on time and pay more than enough with minimum payment. I was trying to set up autopay enough to cover all before the deadline. I thought I was on track to pay early. However, after checking my statement today XXXX I see it expired on XX/XX/2003. I do not normally check the statement each month as I have autopay and am not worried about missed payment. However, I realized the balance was higher than I was used to seeing {$2000.00} that when I realized {$960.00} is deferred interest. I was certainly alarmed. Unfortunately, due to these circumstances, I missed the deadline for the deferred interest program on my credit card. My intention was to ensure that I paid at least the minimum amount to avoid incurring interest charges. I called and explained my situation and that I could take money out of my Health Savings to pay off what I owe. The account manager was not able to help since it was past the 30-day grace period. In addition to the financial difficulties, I also experienced intermittent internet access issues during this period. As a result, I was unable to consistently check my statements online to stay informed about the status of my account. I understand the importance of staying on top of my financial responsibilities, and I sincerely regret any oversight on my part. I would hope the Bank had other means to notify their valued customers, such as e-mail, text, or even a phone call. I would have paid it off to avoid interest. I kindly request understanding and assistance in reviewing my account. Given my longstanding relationship with Synchrony and my overall good credit history, I am hopeful that you can offer a resolution that is fair and considerate of my current situation. I would appreciate any possible accommodation, such as a reconsideration of the interest charges, a waiver of any deferred fees. I am committed to resolving this matter amicably and maintaining a positive relationship with Synchrony. Any attention or help with this issue is greatly appreciated, and I look forward to a favorable resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got an alert from XXXX XXXX stating that an account was closed recently. I logged in and saw that Synchrony closed my Discount Tire credit card. This account was opened XXXX with an {$800.00} credit limit. I was confused as I have NEVER been late, not once on my payments. I logged into my Synchrony account and the chat agent told me that it was due to a review of my credit report that management made the decision to close my account. The agent even acknowledged that I had never been late on my payments. I also pointed out that I have two other accounts with them that I have also remained in good standing with. She then told me that I was sent a digital letter from them. I did receive a notification about this correspondence on XXXX which required me to input my zip code to open. I did that and only received an error message with no other way to open the correspondence. I don't understand how they can do this if one is in good standing with their organization. I have never been late and this helps my credit when reporting that I am consistently making on-time payments. This should not be allowed to occur. I can understand closing a habitually delinquent account but to close an account that still has an over {$500.00} balance AND has been paid consistently on time should NEVER be allowed. I am not a risk for them based on my history and feel very victimized by this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was fraudulently charged for a XXXX mattress which every mattress has serial numbers this mattress is flat as a pancake without serial numbers to prove this is a XXXX mattress
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am writing to formally lodge a complaint concerning the handling of my recent account restriction issue. Despite multiple attempts to address the matter, I find the resolution process both inefficient and frustrating. The problem lies in a notification stating that a letter was sent to my previous address and returned undeliverable, subsequently leading to the restriction of my account. I acknowledge my oversight in updating my address promptly after moving, but the challenges faced in resolving this issue have been needlessly cumbersome. Numerous calls to the customer service have yielded sympathetic yet unhelpful responses. I was instructed to submit specific documents for account review, but my attempts to clarify which documents are required have been met with ambiguous responses. Moreover, the promised 24-hour response time for messages on the website has not been adhered to, leaving me in a state of uncertainty for two days. This situation is particularly distressing as it is the second time I am encountering such account-related complications. I expect a more efficient and customer-focused resolution process from a reputable institution such as Synchrony Bank . I appreciate your immediate attention to this formal complaint and trust that it will be addressed with the seriousness it deserves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have found a credit inquiry on XXXX and that inquiry is not mine 's. Sam 's Club never extended me no line of credit. I never did any business with them. I do not know why they are on there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
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 have a care credit card with Synchrony Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Synchrony and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called Synchrony again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Synchrony. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99205
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A