Date Received: 2024-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dates beginning middle of XX/XX/XXXX and then XX/XX/XXXX and XX/XX/XXXX I keep receiving calls from a Synchrony Bank ( robo call ) stating to call them at phoneXXXX I do not owe a debt. I do not have a credit card with them. I called them and was transferred to another number. I then talked with a man and stated I do not owe a debt. He said he would stop calling. But the calls keep coming. I have not received anything in writing stating I owe a debt ( because I don't ). I believe they are trying to scam me. I am a XXXXXXXX XXXX senior citizen. They called my before XXXX eastern time- about XXXX every time. Years ago I had a credit card with XXXX serviced by/under Synchrony Bank but do not now and all credit card bills were paid off. I do not appreciate them continuing to call me especially since I am in mourning about the passing of my older brother ( I was not the executor of his estate. ) I checked the internet and their number comes up as an online bank that scams people. Several people have had the same experience as I am having now ( robo calls then being transferred to another call, claims of owing money on a nonexistent credit card, etc. ) Please make them stop calling me. Thank-you very much 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: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had XXXX accounts with SYNCHRONY BANK. XXXX and ASHLEY HOME STORE. I paid off the XXXX in FULL in XXXX. It currently has no balance. I have had my hours cut from my job since XXXX. I paid the SYNCHRONY ASHLEY account {$66.00} on XXXX XXXX in a good faith effort to keep current on payments even though I do not know how I am going to pay my rent. Last night they just arbitrarily closed my account. I had a job interview with the courthouse last week. Employers check your credit as a criterion for hiring/employment. Despite my having paid my XXXX account with XXXX they are considering me a high risk. I have the intention of paying the rest of this ASHLEY HOME STORE account just as I did with the XXXX. My advance payments on the XXXX do not seem to count as a positive for my evaluation even though they are BOTH through SYNCHRONY. Closing the account has brought my score down to XXXX points. I will NOT be hired for a job with this issue. So it will CRIPPLE me financially because I will not be able to pay any bills if I can't get a job. No one contacts you to see if you can pay, the effort I did make on XXXX doesn't seem to make a difference. I just want the account to be reopened so it doesn't hurt my credit so I can get a job and continue making payments. The system is rigged against us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27104
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize them to run my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize them to run my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have been a holder of the Verizon credit card issued by Synchrony for over a year, diligently using it to pay my monthly Verizon account charges. According to the card 's terms, I am entitled to receive 2 % back in Verizon rewards on my payments. Despite having spent over {$5000.00} with the card, which should equate to more than {$100.00} in rewards, I have yet to receive any reward credits. I have attempted to resolve this issue by contacting customer service on two separate occasions, yet the matter remains unresolved. This situation not only fails to honor the advertised card benefits but also undermines the trust and value of using the card for Verizon payments. I am writing to formally request the immediate crediting of the overdue rewards to my account based on my past spending. Furthermore, I seek assurance that the rewards program will function correctly going forward, ensuring that I receive all entitled rewards promptly for future payments. This resolution is crucial for maintaining the integrity of the Verizon credit card program and the trust of its users.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84109
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I reviewed my account to find multiple {$41.00} late fees on my care credit account. I called the company to see what was going on. I was told that I had made multiple late payments that I was not aware of. I advised rep that I thought payments were due on the XXXX of each month only to be told that they are due on the XXXX of the month. I asked for the late fees to be waived and I would put account on autopay to avoid this issue. I was told no late fees could be waived because a late fee was waived back in XX/XX/2023!! I disagreed with the rep telling her this is the first time I had contacted care credit regarding this account which was opened in XX/XX/2023! Not only are they charging excessive fees but they are lying about removing late fees on accounts!! If they did it to me they are doing it to other customers... I was told today a late fee of {$30.00} was waived in XXXX but the late fees showing on my account are {$41.00} ... Rep also told me I could find where fee was waived on XXXX statement but I reviewed the statement and I saw nothing because they are lying!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Had fraud on my account where a new card was sent to two different addresses that were not mine. Company would not correct and closed my account for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: On XX/XX/2022, I went to the XXXX XXXX store at XXXX XXXX XXXX, XXXX XXXX, FL XXXX to purchase a Twin XL mattress and a base for it through a loan, the person who assisted me submitted the request and I obtained an approval of {$1000.00} with XXXX SYNCHRONY, then I began to look for what I needed accompanied by the salesperson who assisted me, to whom I specified on several occasions what I wanted ( Twin XL mattress and base of the same size ) the salesperson began to recommend and offered me a Twin, I told him NO because I needed a bed a little bigger like the Twin XL even though I had to pay the difference from what they approved me for, but the seller continued insisting that the one he was offering me was the same size as the one he was offering me. the one I ordered ( Twin XL ), to which I replied that if he assured me that it was the same size as what I ordered then there would be no problems and he told me that when the delivery arrived at my house that he would check that Everything was fine, and if it wasn't right, I would return it to the delivery at that time. I proceeded to make the purchase that totaled {$920.00}. The next day, XX/XX/2022, the delivery arrived, they asked me to sign before opening the package, when I opened it I immediately realized that it was not what I had ordered, it was very small, I noticed that it was not what the seller had left out. send me because I put it next to a Twin XL bed that I already had and the difference was clear and also the mattress was quite dirty not suitable for sale, I immediately called the delivery man who was still at the door of my house, I told him to took it and his response was that he couldn't do it, he recommended that I call the store and he left leaving the merchandise, I immediately called the store and no one wanted to give me explanations, I asked to speak with the salesperson who assisted me and supposedly he was not there, now that no one could help me in the store and they took a non-responsible attitude, realizing at that moment that they were scamming me, so I called the bank that granted me the loan ( loan that had not yet been paid, it was in process ) SYNCHRONY BANK, They told me that they were going to investigate, I kept calling the store daily to communicate with the seller and it was impossible, I contacted the store with the complaints department and according to them they could not help me, 15 days later I was able to communicate with the seller, and He told me that there was nothing to do but keep the merchandise because I had already signed and there was no return. According to him, he sold me a product without a return, but at the time of the sale he did not explain that clause to me, nor did he tell me that the merchandise It would arrive in poor condition, I again contacted SYNCHRONY BANK and filed the complaint, which they answered on XX/XX/2022, ruling in favor of the XXXX XXXX store because they provided a copy of the sales contract. where it says that the merchandise can be returned or exchanged for no reason, but at no time did they take my reasons into account : 1- They did not specify that point to me on the contrary, the seller told me that he could return it to the delivery and that was not the case. 2- They sent me a different product than the one I ordered and it was in poor condition ( very dirty, not suitable for sale ). 3- I requested the cancellation of the loan when they had not yet deposited the store. The merchandise is still in my house in a small closet, I never used it, you can pick it up at any time if you want, I hope that now you can help me, the way that store sells, I consider it to be a scam for the consumer, THANK YOU.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have a PayPal Synchrony Bank Mastercard. My account info was compromised so I called and they immediately shut down my account and sent me a new card with a new card number. All was well. I logged into my online account and all my history is gone. I can only see transactions since I got the new card number. It's as if it's a brand new card, with none of my years of history. With the exception that it shows that my account balance from the prior card carried over. And, now my payment is due in 10 days - I pay it off each month, and the balance is not small this month. Problem is, the statement associated with that payment went out with the old card number, so I can't access it online - since all the old info is gone. I didn't get a hard copy of it, since I was signed up for online statements. I called and they said that I'd never be able to access the old card 's info online, but they could snail mail me old statements, which will arrive within 7-14 business days ( my payment is due in 10 days ). I asked them to expedite me the statement or to postpone my payment due date so that I could see what I was being charged for before I make the payment. This is particularly important to me since my card number had been compromised and I don't know if there may be fraudulent charges. They said they can not do either of these things. I spoke with a supervisor and their supervisor and still nothing. Two other bits of information : 1 ) Prior to being told today that I would never be able to see the old credit card transactions online, I had called two prior times over the past a week or so. On both of those calls, they told me that information would transfer over and I'd be able to see the old card statements/transactions online and just to give it a couple days. That is quite different than what I was told on today 's call, where I spoke with three different people. 2 ) There is no way to contact this company electronically. You must call. And when calling, the automated system is awful. It can not understand my problem and it works very hard and takes up a lot of my time trying to avoid connecting me to a human.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have had this credit care for dental work done last XXXX ( 2023 ). I was paying XXXX a month. Every time I would make a payment it would say that I'm in the negatives. This card was approved for XXXX dollars, which was taken out all at once for XXXX XXXX. How is it that after a few payments on time my payments jumped XXXX a month. Those few payments I made never paid it out of the negatives. Now they have put this card on my credit report. I was supposed to have no interest up to six months. Now I am almost at XXXX dollars in the negatives when the max limit was XXXX dollars. The negative started with my first payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A