Date Received: 2023-12-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This amazon store card ending with XXXX was opened in late XX/XX/XXXXXXXX in consideration of cashback it offers. The issuer closed it on XX/XX/XXXX. I set up auto payment after opening the account because typically I want to put the payment on autopilot and forget about it. I did make 2 additional payments ( {$3400.00} and {$3900.00} ) with a brokerage account ending with XXXX on XX/XX/XXXX and XX/XX/XXXX separately because I wanted to pay off some balance on this card and make more purchases on Amazon.com to take advantage of this card 's cashback feature during the XXXX XXXX deal XXXX. For unknown reasons, neither payment were not processed successfully ( I did have sufficient cash fund in my account at the time of making payment and I am open to showing the account history of my account ending with XXXX to show this. I do use this account for other credit cards ' payment as well ). I suspect that I might have set up inadvertently with a wrong account number and/or routing number, which caused the payment failure. As soon as I realized the issue, I set up payment with a checking account ending with XXXX and successfully paid off the entire balance of {$5900.00}. Nonetheless, the issuer closed my account with the reason of " high risk of failure to pay '', solely based on my two failed payments without considering my successful payment. Additionally, I have accumulated over {$130.00} cashback on this card which the issuer now refused to honor/give after closing the account. I think it is deceptive and unfair to refuse the cashback because I used this card due to the promised cashback ( I would not have used this store card if there was no promised cashback ), and the cashback was earned from legitimate transactions, and all balance from these transactions have been paid off in entirety.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
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 did not authorize this account and did not open this account. Please repair my credit report immediately. I have a sister with the same birthday who may have been compromised because she also had tax fraud from XXXX by an unknown person. I believe this is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went on my credit report and I have some. Unauthorized hard inquiries that I did not authorize. I called the company they say they didn't see where I applied for any loans, but didn't take it off my credit report.
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: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I couldn't seem to get ahead of my Amazon ( Synchrony ) and XXXX 's charge accounts as the balance never seemed to go down. It wasn't until I looked at the statement that I saw I was being charged XXXX XXXX interest. I had no idea that these accounts were Variable Interest and they had jacked it up this high. These companies hide this information in the statement which most people probably don't take the time to look at. And ... credit card and other credit companies always ask you to go paperless and IMO they do this to make it more likely you won't look at the statement online and see any rate changes they've made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have tried multiple times to make payments on my at home card through synchrony bank. Multiple times the payment shows as authorized and confirmed yet days or weeks later I get a notice saying the payment has been RETURNED, and no specific reason is given. It is not a funds issue as every time I have checked with my bank. Every single time. Even now as I try to make a payment through my account. I get through the process of linking a bank account, and when I try to authorize the payment, the website tells me I may not schedule a payment for the current date. Yet when I try to change the date of the payment, NOTHING WORKS. It wont let me select any other date, except for the current one, which by the way, I apparently cant make a payment on. All of this combined has led to what was originally a XXXX $ charge, to have reached nearly XXXX $ and counting, because I am not permitted to make a payment. This is actively destroying my credit and is going to hurt me for years. I have tried and tried and tried to make a payment, but every time there is an issue on their end. This is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84404
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 Synchrony bank sent me a letter claiming they couldn't extend to me the full amount of credit I requested in part because of a low credit score. I spoke to a manager on XX/XX/2023 at XXXXXXXX XXXX and she informed me that per herself and other managers, the credit score in my file was not the score they sent me in my denial letter. I can provide the letter. They wouldn't provide me additional information from my file/account and told me to contact XXXX which XXXX have already done and they were no help but to confirm that my credit score was indeed incorrect per the reported score in the letter. Neither was willing to help with the problem any further because they each claimed it was only something the other organization could handle. I can provide a copy of the letter referenced above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
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 filed a dispute with Synchrony for Lowe 's regarding window installation. Defective windows were installed in XXXX, and still attempting to get a resolution. The dispute was closed because " the store '' contacted me to resolve the issue. However, after contact with the store manager, XXXX, a resolution is still not complete. I am still waiting for Lowe 's to communicate with the manufacturer regarding the defective windows. There is no timeline, in the meantime, the windows do not fully close. Water comes into the house when raining, noise from wind throughout and the resolution is for me to cover my windows inside and out with plastic. When I called Synchrony today regarding the closed dispute, I was told that I can not dispute services once the services has been received as " we are a bank and not qualified to determine if the services are done correctly ''. I was told my only recourse is to work with the store, however long that may take, but that payments will resume on the balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Upon reviewing my consumer report I noticed several inquires on my report in which I did not authorize. There is a Security Freeze on my accounts which states the following ; " Before issuing credit, call me at XXXX. This process was not done.I was not called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: 1026.11 Treatment of credit balances ; account termination. Thank you for taking the time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a 100 % paid closed account as of XX/XX/2023 and would like to ask for consent of deletion of this hard inquiry to all three credit bureaus. My family has been a member of Sams Club for 13 years. During the pandemic, I was advised by a store associate to apply for a store credit card at my local Sams Club, I proceeded with the application and was approved for a store credit card. During the pandemic I fell sick to XXXX XXXX, spent weeks in the hospital and was laid off work. It became very difficult to maintain and keep up with credit card payments. The only negative inquiries tied to this account were a late payment in XXXX and XXXX of 2023. I have always been an exceptional customer of Sams Club, and this negative inquiry has made it extremely hard for my family to apply for new credit and receive higher approval chances for financing a new home. Please consider writing letter to delete this closed account from my credit report to XXXX, XXXX, and XXXX. I have always been a happy customer of Sams Club and I hope I can continue that relationship with you. Thanks! Kind Regards, : )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The entire current balance on my Synchrony CareCredit credit card consists of several deferred interest/ no interest promotional purchases, none of which are presently subject to interest charges. I have made no " regular '' transactions on account upon which interest would accrue. However my XXXX and XXXX statements each reflected spurious interest charges in the amounts {$5.00} and {$5.00}, respectively. On XX/XX/2023 I notified Synchrony of the billing error on this account via an initial mailed dispute letter ( copy attached ). On XX/XX/2023 I recevied a response letter from Synchrony apologizing for the errors and noting that the account was corrected ( copy attached ). My XXXX statement then reflected refund credits for the first and second interest charges in the amounts- {$5.00} and- {$5.00}. However, that statement also reflected another ( third ) interest charge in the amount {$5.00}. Additionally, my XXXX statement reflects a fourth interest charge in the amount {$5.00}. Again, none of these interest charges are valid because there are no transactions on account currently that are subject to interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A