Date Received: 2023-12-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I currently have a PayPal account issued by Synchrony Bank and I have in the past disputed incorrect activity on the account. I had several deferred interest purchases that became due on XX/XX/XXXX, XXXX the purchases originated on XX/XX/, and had a 6-month deferral period. the amount in question are the following amounts ( {$1700.00} ) ( {$370.00} ). The problem is the amount of interest charged on the purchases and the recorded balances that changed ( increased ) on the XX/XX/XXXX closing date. I would like a comprehensive review of the charges to remedy the problem with this account. Your prompt respon3se will be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: So I noticed charges and late fee on my Amazon Synchronicity card. I called them straight away and said it wasnt me. After investigating, they said I have to Pay even though I never received the item. Asked for investigation again, no results. After I contacted Amazon store and they erased the charge and assured me there is {$0.00} balance on my account and I wont be charged a late fee. Synchronicity Credit Card though still charged me a late fee, messed up my credit score and when i called them again, reluctantly agreed to look into the non existing charged. Then they continue to harass me via phone and email. The charge was about {$40.00} and the late fee another {$35.00} or so. All for non existing charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: For the past XXXX months, Synchrony Bank holder of the XXXX credit card has been charging me interest despite the fact that Ive been paying my new balance in full. I have a promotional balance thats on deferred interest. I auto pay $ XXXX mo to cover that purchase. I then paid an additional $ XXXX month to cover the new charges on my card that are slightly under the {$45.00}. I have to call XXXX every month to have my auto pay reallocated to the promotion. When they do this, they put generic charges on my card and then credit them. However, because the reallocation is done in that manner, its always wrong and XXXX charged interest and I have to fight with them to have the fee reversed. In XXXX, I had a {$20.00} charge and the payment was due in XXXX. I called to make the payment and ask to have the {$65.00} reallocated. I was told I had to pay {$95.00} to ensure that I was not charged interest in XXXX ( On my XXXX XXXX ). I told them that I did not make $ XXXX of new payments so I did not have to pay $ XXXX on top of the {$65.00} of auto pay that they already took. I was told that in order to avoid interest, I had to pay that. I refused!! I only made a new purchase of $ XXXX and that I was not going to pay $ XXXX on top of the {$65.00} that they already have. They are purposely charging interest that is not owed. And then there is a fight to get it reversed. They need to stop stealing from the consumer!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-12-05
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have an Amazon Store Card that has a XXXX balance and 2 months in a row they continue to tell me I have a balance due. Called Amazon in XXXX and they confirmed I owed nothing and gave me a {$20.00} Gift card. Again, In XXXX, Received a payment due email when nothing was due. Called Amazon and they said they would clear it up again. Not sure how many people are not paying attention and paying when they shouldn't!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
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: Fraudulent charges were made to two Synchrony home cards from XXXX XXXX in XXXX, NY. Both cards originate from the Synchrony company and were used to make large purchases at the XXXX XXXX store over two months. Once I closed one card they then used another card to make further purchases. These two cards have never been out of my possession or used physically at any store location to make any purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 131XX
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: 2023-12-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a XXXX XXXX XXXX card with card number XXXX with associated with my XXXX XXXX XXXX XXXX account # XXXX. By the XX/XX/2023 monthly statement, I have earned total XXXX XXXX XXXX. However, the XXXX XXXX XXXX XXXX, which is financing by Synchrony Bank, refuses to transfer my earned XXXX XXXX to my XXXX XXXX account # XXXX. I have been contacted the credit card company by phone calls and by Messages for a number of times and asked them to transfer my earned XXXX XXXX to my XXXX XXXX account. Upon to today, my XXXX XXXX account # XXXX still shows XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02445
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been charged over a XXXX dollars in two months interest. They refused to help and the methods used by the company were atrocious. I was offered this card while my pet was on his deathbed. I thought the card was like any other, but it is not. They say they have the legal rights to charge me as much interest as they want. The card is care credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93703
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today, XXXX XXXX, I called Synchrony Bank about two payments I made on XXXX XXXX, XXXX ( {$110.00} ) and XXXX XXXX, XXXX ( {$120.00} ) in error. I asked for a payment reversal for the {$110.00} as two payments were made for the same month in error. The representative processed the request and advised that I will be receiving a check in the mail in about 2-3 weeks. My original payments were NOT submitted via checks but as ACHs. Both payments cleared my bank as ACHs. I asked the rep why it would be a check since I'm calling within the 5 banking days of the error being noticed and within XXXX guidelines. They said checks has always been their policy and no such regulation exists and the return can not be handled via ACH. The rep even reached out to their Recon specialist and this information was relayed back to me- there is no such policy/regulation and the payment can not be returned via ACH. The check is the only option. This is incorrect information about XXXX and it appears Synchrony Bank has been informing their consumers incorrect information when it comes to this type of error. According to several bank sites, articles and XXXX reversals must occur within 5 business days of the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have attempted to dispute inaccurate items on my credit report. I have provided sufficient evidence showing that the item is fraud. 1. Synchrony Bank- submitted documents proving fraud occurred 2. XXXX- was never given the option to dispute purchase. XXXX did not allow me to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Original 6 month deferred interest payments on CARECREDIT/SYNCHRONY BANK account XX/XX/ for XXXX work for {$11000.00}. I set up 'auto-pay ' plan for monthly payments of {$1000.00} starting XX/XX/. All statements were sent on line. This was connected with my SAMSCLUB/SYNCHRONY BANK statements on line. I made 6 'Auto-Payment ' of {$1000.00}. through my XXXXXXXX XXXX Account. When my Sam 's Club Card was 'reported as scammed ' in XXXX, my on line statements were 'frozen ' ... I was unable to access information on ALL of the SYNCHRONY Bank accounts. This resulted in my being charged " Interest '' of {$1300.00} on XXXX when I didn't have access to my accounts on line... where all reporting was done. I didn't receive any notice of this at that time! Then, on XXXX I was charged another {$140.00} interest, before I was able to pay the Balance In Full. When I called Customer Service, they said I should have know the 'Contract ' language and there was no recourse to waive interest charges. I feel this was unfair and left me no other choice but to contact Consumer Financial Protection Bureau for help! As a XXXX ( XXXX yrs. old ), on limited income, this is a extremely hardship to have interest continued to be added on an account I wanted to pay off as I was expecting to do. Thank You for your assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A