Date Received: 2023-12-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: It started with Synchrony Bank ( Care Credit ), and their promotional payment option basically no interest if paid within a specific term. Which I didn't know about with this credit card in particular. When I continued to make payments on autopay I request billing statements I did not receive until I received all at same time. From statement closing date : XX/XX/XXXX to XX/XX/XXXX. These Billing statements showed I was charged in XXXX {$7.00} and on XX/XX/XXXX billing statement {$580.00} Interest charged in XXXX up to this point on XX/XX/XXXX statement states Total Interest charged in XXXX the amount of {$690.00} and I paid {$200.00}. in interest charges. I was involved at the time in a major project and I needed credit cards with no interest/for a term promotions. Again, Synchrony Bank XXXX XXXX XXXX XXXX gave me that option with this company and I demand as always paper statements. No sooner was I off the phone with Care Credit I get a notification from XXXX XXXX " Congratulation you are now paperless. ". Waiting for status with Care Credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
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: Public record information inaccurate
Consumer Complaint: on XXXX XXXX I called paypal asking them why they reported me 30 days late when i havw been making payments every month. I have the paypal app that i used to make payments every month sometimes i will even make twice amonth.I spoke to the supervisor Will of paypal and i explained my situation that I went by what the app will tell me to pay when i said that the app automatically took out that account that i was reffereing too, I went to my computer and I couldn't find the account. I called them back to resolve this problem they said that I couldnt resolve because I filed for bankrupcy, I told them I never filed for bankruptcy they wouldnt provide me with any information, I requested a copy of the supposely file records they said they cant provide me with that. I spoke with XXXX from bankruptcy dept. from paypal today XX/XX/2023 he gave me the lawyer that supposely i file bankruptcy with XXXX XXXX XXXX XXXX ) XXXX I called spoke with him and he didn't know anything about this claim. there was no record about any of this on my name. I really don't know what to do at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please see the attached Formal Complaint Against XXXX XXXX XXXX XXXX ( dba ) XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX ( dba ) in Virginia as XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Earlier this year, XXXX or so my card was compromised by someone who charged air fare, cruise ship charges, XXXX charges, etc. TjMaxx is the issuer of the card. I had been getting a lot of fraudulent transactions therefore they cancelled my card. Prior to this they kept issuing me new cards. Each time they were compromised even before I received the new card in the mail. I called their fraud department at which time I was told I was not responsible for the charges in question. They have never gotten back to me concerning there charges so I assumed all was taken care of by the fraud department. These charges were made In California, I havent left the state of Georgia in at least 3 years. Now I am being billed for these charges, after calling their fraud department, I have been put on hold for quite a few moments and the last time I stayed on hold status for over XXXX hour at which time I hung up. I do not owe these charges and do not want to continue this fight for collection.
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: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/2022 I applied for Care Credit card last XXXX XXXX XXXX was accepted. During that time, they had promotion that if you charged to the card {$1000.00} you will receive a gift card in the amount of {$100.00}. Account needed to be in good standing, which it was and it is still. My registration number was XXXX and it was done on XX/XX/. I charged to the account {$2500.00} I called them over 9 times asking where the gift card is. The representatives always were saying you need to wait longer, or information will come in the mail. One rep said that, they have a third-party provider that handles the gift card, and they will be contacting them. Nothing had come by email or mail. When I called today, I spoke with XXXX, and she told me that nothing had been recorded in my file. They hope that I will forget about this and never question it. Can you please help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60714
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, I received a letter sent by a XXXX lawyer named XXXX XXXX stating that through XXXX XXXX in XXXX, he located me as XXXX of XXXX of his client XXXX XXXX XXXX who died from XXXX in XXXX without a Will but left a XXXX account with XXXX XXXX XXXX XXXX He offered to make me the XXXX on XXXX XXXX 's account through legal procedure before the balance was being surrendered to the government abandoned property department on XXXX, XXXX, in exchange for his share plus donating XXXX XXXX to charity in memory of XXXX XXXX XXXX He also sent me the XXXX XXXX and XXXX XXXX certificate matching the balance. Prior to death, my grandfather mentioned he had a brother go to the XXXX before losing the contact, plus the decedent shared the same surname and nationality as well as the age would correspond to my XXXX cousin, supported by XXXX-issued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Case # XXXX presented by the lawyer, so I believed. Before transferring the estate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Branch Supervisor XXXX XXXX and the lawyer asked me to pay USD XXXX to their XXXX company " XXXX XXXX XXXX '' in XXXX with a XXXX account " for both parties ' security '', and promised me the XXXX fund would be returned to me after the XXXX-transfer was completed because " XXXX law and court mandate that estate be kept with integrity, whereby the XXXX fund can't be deducted from. '' I was given the XXXX company 's bank account details as below : Bank Name : XXXX Add. : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Routing Number : XXXX XXXX only : XXXX XXXX : XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone # : XXXX ( XXXX ) XXXX Before XXXX I called the above number, specifically asking the XXXX if they were an XXXX company working with the XXXX bank, and he confirmed " the XXXX fund will be returned to you after the XXXX transfer is completed. There's nothing to worry about. '' So I presented my bank Synchrony Bank with the above XXXX transfer details specifically naming the " XXXX XXXX XXXX XXXX XXXX ''. Despite that Synchrony Bank has XXXX transfer verification mechanism, the XXXX Transfer Department negligently failed to verify the receiving bank account not to be an XXXX or XXXX account, or at least the business " XXXX XXXX XXXX '' doesn't exist at all, and debited XXXX from my account on XXXX XXXX, XXXX. XXXX days after, I didn't hear back from any of the XXXX and XXXX parties. So I called XXXX Customer Service to report this XXXX fraud. A representative answered, unable to reveal an account holder 's identity for privacy, but repeatedly verified that the account holder who received the XXXX belonged to an individual, not an XXXX or business account at all. The company XXXX XXXX XXXX doesn't exist. XXXX XXXX XXXX XXXX also verified the lawyer and his law firm were fake, and the XXXX XXXX was fake, too. It's all fraud. I immediately notified my bank Synchrony Bank of this XXXX fraud on XXXX XXXX, XXXX and filed a XXXX XXXX Case # XXXX with my XXXX XXXX XXXX XXXX Department which was shared with Synchrony Bank. From the very beginning, Synchrony Bank has been very elusive and discouraging to me with regard to their so-called investigation : XXXX XXXX, XXXX, XXXX from XXXX Team called me trying to push me over to XXXX, then backed off after I told him that I had already contacted XXXX Customer Service of a scammer account holder, but they can't assist me as I'm not their customer. XXXX concluded the conversation by saying 'There 's no guarantee we can solve this and get your money back. '' without even giving me a case # or line of communication. And that was the only time somebody from Synchrony Bank has ever reached out to me regarding this XXXX fraud even though Law requires a timeline for the financial institution to update their customer about the status of their investigation into a fraud or scam. From XXXX XXXX through XXXX XXXX, XXXX, I called Synchrony Bank Customer Service XXXX times inquiring about the status of their investigation, always being told " still going on '' by the representative instead of directly someone from the XXXX XXXX actually conducting the investigation. XXXX XXXX, XXXX, I called Synchrony Bank Customer Service again as that's the only way you can reach them. When I questioned why the fraudsters still contacted me XXXX days after I reported this XXXX fraud with the same XXXX account details and same fraudulent business name if Synchrony Bank had contacted XXXX XXXX day when I reported this fraud, and expressed my serious doubt if Synchrony Bank had even really been investigating and tried to retrieve my funds from the fraudulent XXXX account holder, Account Supervisor XXXX repeatedly strong-armed me by asking me to 'understand " that it's my fault ( to be defrauded ) and then asked me to go ahead suing Synchrony Bank because its Policy prevents them from doing anything to help me. Synchrony Bank 's gross negligence, failure on control measures and compliance law, and non-existing customer support are abetting scammers and fraudsters roaming freely to harm law-abiding people!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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 when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: It appears the Synchrony has taken over Chevron credit cards. In so doing, I now must sign up for e-delivered statements in order to even see and download a statement on line. I can not believe a credit card company can do that. Plus, I didn't even get my paper copy of the statement this month and the only remedy is to request a duplicate paper statement. Talk about trying to force customers to e-delivery.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84037
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a Venmo credit card with Synchrony Bank in XXXX of XXXX. I have made purchases and payments since then. On XX/XX/XXXX of XXXX, I made a payment for the balance in full ( amount - {$3000.00} ). This payment has been placed on a 14 day hold which I find to be extremely excessive when compared with TILA payment hold requirements. The reason for the hold they state : the account is less than 6 months old and they wish to verify that the funds clear. The funds cleared my XXXX checking account instantly. I notified asynchrony banks customer service department and escalated twice to a manager to have the hold removed. I was told there is no way to remove the hold, and that I would have to wait 14 days for my available credit to be updated. Their solution was for me to apply for a credit line increase which sounds like predatory lending under UDAP and UDAAP. There is no reason to hold an electronic payment 14 days simply because my account is newI have no history of delinquency and no returned payments and therefore my available credit should be immediately ( within 48 hours ) be reflected. Synchrony claims there is no way to manually remove the hold, which I interpret as a lie or an extremely poorly designed process which in either case violates TILA, UDAP, and/or UDAP as well as other consumer protection regulations that may not be cited in this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: When I set up this account, I paid it on time every month, shortly after, I set it up for auto payments from my XXXX account. A few months ago I decided to keep some of my bills separate for better budgeting. I soon decided that I wanted to pay my Rooms to Go account from my XXXX XXXX account. I did forget to switch this auto-pay, however, their system is outdated. In XXXX I received a text from Synchrony Bank stating that payment didnt go through, of course it didnt, I didnt have the funds in that account so I logged in and paid it from my XXXX XXXX account XXXX no issues there. XXXX, the same thing, a text saying it didnt go through only this time the account says no payment due. So I pushed a payment through as a one-time payment for the {$170.00}. Two days later I got the same text and the account says the same thing, no payment due at this time. I thought something went wrong so I submitted the payment again. The next week I received another text, only to find that when I logged into my account, it was closed! I didnt close the account, I didnt even receive a customer service phone call in regards to the account being closed. When I called and spoke to a manager, I was put through to the rudest woman, and I could not believe even held that title at a company, just awful and I wish for someone to hear the recording. She didnt care about the situation, she said they closed the account for dishonorable payments, even though they were paid! To make matters worse, out of anger I transferred the full amount to one of my credit card accounts, only to find out a few days later that I had overpaid because of the texts that I kept receiving from them and they didnt even have the decency to return the money to me. I had to ask for it back, I wonder if I hadnt, how long would they have kept it permanently? The icing on the cake was that I have 3 other accounts with Synchrony Bank, in which they all followed the leader and lowered my credit lines, which then made my XXXX XXXX credit card follow suit and they lowered my credit line as well, dropping my credit over XXXX points and just yesterday I was denied the small business loan that I have been working towards and can not at this time open my new business in XXXX as expected and the franchise is not to pleased with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A